What Is a Short Sale and How Does It Work?
A short sale occurs when a homeowner sells their property for less than what they owe on their mortgage. For sellers, it’s a way to avoid foreclosure if they can no longer afford their mortgage payments. For buyers, it’s a chance to purchase a home at a discount. Learn more about short sales and what they mean for both homebuyers and sellers.
Key takeaways
- A short sale transaction can help homeowners avoid foreclosure.
- Buyers may qualify to purchase a short sale property for less than its market value.
- It can take up to six months to complete a short sale.
What is a short sale in real estate?
A short sale is when a homeowner sells their home for a price that falls “short” of the outstanding loan amount owed to their mortgage lender. The lender uses the proceeds to cover the majority of the borrower’s mortgage balance when the house is sold. In some cases, the lender may forgive the remaining debt (known as the “deficiency”). Short sales can take up to six months to close.
A seller may consider a short sale if:
→ They are upside-down on their mortgage, can no longer afford their monthly payments and wish to avoid foreclosure.
A buyer may consider a short sale if:
→ They want to buy a home for a (potentially) lower price and are willing to deal with a longer closing process.
Short sales can occur when a homeowner is either behind on their mortgage payments or underwater on their mortgage, meaning they owe more on the loan than their home is worth. Though not as common as they were during the Great Recession of 2008, short sales do still occur.
One of the main drawbacks for homeowners is that they typically must wait two to four years after a short sale before buying another home with a conventional loan or FHA loan, while there often isn’t a waiting period for VA loans. However, your individual waiting period will vary depending on your credit history and lender.
Let’s say you owe $350,000 on your mortgage. Your lender agrees to a short sale, and because home prices have dropped since you bought the home, you’re unable to find a buyer who will pay more than $275,000.$350,000 – $275,000 = $75,000.
Your deficiency is $75,000. The lender will either forgive this amount or require you to pay the balance.
Short sale vs. foreclosure
Both short sales and foreclosures involve a homeowner losing their property. However, a short sale is often seen as preferable to foreclosure for the following reasons:
- The homeowner voluntarily initiates a short sale, while the lender initiates a foreclosure
- All or most of your mortgage debt will be paid off from the short sale proceeds, and your lender may forgive the remaining amount
- A short sale may have a less severe impact on your credit score than a foreclosure
- You may have a shorter waiting period for buying a home after a short sale than buying a home after foreclosure
How does a short sale work for sellers?
Here’s what the short sale process may look like for homeowners:
- Submit a short sale application to your lender. If you’re a homeowner considering a short sale, the first step is to contact your lender for approval. You’ll likely need to provide proof of financial hardship, including bank statements or a termination notice from your employer.
- List your home for sale. Hire a real estate agent to list your home in the multiple listing service (MLS) database. Ideally, you’ll want to work with an agent who is experienced in short sales.
- Send offers to your lender. As the homeowner, you’re responsible for selling the property. However, the lender handles negotiations and must sign off on any purchase offers you receive.
- Complete the sale. After you receive an offer (and the lender approves it), the closing process begins. You won’t receive any money from your home sale, and you may still owe a balance to your lender.
Short sale pros and cons for sellers
Pros | Cons |
---|---|
You can buy a home for less than its market value. | The process can take several months to complete. |
Sellers are more likely to offer concessions to speed up the sale. | You won’t be able to negotiate repair costs because short sales are sold “as-is.” |
Short sale homes may require fewer repairs than foreclosure properties. | It can be challenging to find an experienced real estate agent. |
Short sale homes may have less competition than regular home sales. | Short sales aren’t always cheaper than regular home sales. |
How does a short sale work for buyers?
If you’re interested in buying a short sale home, here’s what the process may look like:
- Get a mortgage preapproval. Lenders will want to see that you’re financially prepared to buy the property. Securing a mortgage preapproval can help demonstrate your seriousness as a buyer and strengthen your offer.
- Find a home. Start by searching online for “preforeclosure” homes in your area. Some real estate marketplace websites offer filters that allow you to specifically search for these types of properties. In addition, working with a real estate agent who specializes in the short sale market can be helpful.
- Make an offer. When you find a home you’re interested in, submit an offer just as you would with a traditional home sale. Be sure to include your preapproval letter with your offer.
- Do your due diligence. Before officially buying the property, you’ll want to do your research to ensure it’s a good investment. This may involve a title search to ensure there are no liens on the home, and an inspection to learn more about the property’s condition.
- Close on the home. If all goes well, the lender will accept your offer, and you’ll enter the closing process. Similar to a traditional home sale, you can expect to pay closing costs.
Short sale pros and cons for buyers
OPE ID | Institution Name | City | Country | Status |
---|---|---|---|---|
4240100 | American University of Antigua College of Medicine | Coolidge | ANTIGUA | Eligible |
4182900 | Universidad Blas Pascal | Cordoba | ARGENTINA | Deferment Only |
4131000 | American University of Armenia | Yerevan | ARMENIA | Deferment Only |
3136300 | Australian Catholic University | North Sydney | AUSTRALIA | Deferment Only |
1058800 | Australian National University | Canberra | AUSTRALIA | Eligible |
3590300 | Avondale College | Cooranbong | AUSTRALIA | Deferment Only |
3095400 | Bond University | Gold Coast | AUSTRALIA | Eligible |
3140400 | Charles Darwin University | Darwin | AUSTRALIA | Deferment Only |
2591800 | Curtin University of Technology | Bentley | AUSTRALIA | Deferment Only |
3096900 | Deakin University | Geelong | AUSTRALIA | Deferment Only |
3140300 | Edith Cowan University | Perth | AUSTRALIA | Deferment Only |
1109100 | Flinders University | Bedford Park | AUSTRALIA | Eligible |
3104800 | Griffith University | Brisbane | AUSTRALIA | Deferment Only |
1220600 | James Cook University | Townsville | AUSTRALIA | Eligible |
3096100 | La Trobe University | Melbourne | AUSTRALIA | Deferment Only |
1068100 | Macquarie University | North Ryde | AUSTRALIA | Eligible |
1091400 | Monash University | Clayton | AUSTRALIA | Eligible |
2579600 | Murdoch University | Murdoch Perth | AUSTRALIA | Eligible |
3140500 | Queensland University of Technology | Brisbane | AUSTRALIA | Deferment Only |
3095000 | Royal Melbourne Institute of Technology | Melbourne | AUSTRALIA | Deferment Only |
3140600 | Southern Cross University | East Lismore | AUSTRALIA | Deferment Only |
3140700 | Swinburne University of Technology | Hawthorn | AUSTRALIA | Deferment Only |
3100000 | University of Adelaide (The) | Adelaide | AUSTRALIA | Deferment Only |
3091500 | University of Canberra | Bruce | AUSTRALIA | Deferment Only |
850500 | University of Melbourne | Melbourne | AUSTRALIA | Eligible |
867000 | University of New South Wales (The) | UNSW, Sydney | AUSTRALIA | Eligible |
2623200 | University of Newcastle (The) | Callaghan | AUSTRALIA | Deferment Only |
3850400 | University of Notre Dame Australia (The) | Fremantle | AUSTRALIA | Deferment Only |
1069200 | University of Queensland (The) | Brisbane | AUSTRALIA | Eligible |
2181000 | University of South Australia | Adelaide | AUSTRALIA | Deferment Only |
3141000 | University of Southern Queensland | Toowoomba Queensland | AUSTRALIA | Deferment Only |
3067200 | University of Sydney | The University of Sydney | AUSTRALIA | Eligible |
3150400 | University of Technology Sydney | Ultimo | AUSTRALIA | Eligible |
1109400 | University of Western Australia (The) | Perth | AUSTRALIA | Eligible |
3097100 | University of Western Sydney | Werrington | AUSTRALIA | Deferment Only |
3091400 | University of Wollongong | Wollongong | AUSTRALIA | Eligible |
3097300 | Victoria University | Melbourne | AUSTRALIA | Deferment Only |
3460300 | Katholische Hochschule ITI | Trumau | AUSTRIA | Eligible |
2246000 | Ross University, School of Medicine | St. Michael | BARBADOS | Eligible |
4233300 | Antwerp Management School | Antwerp | BELGIUM | Deferment Only |
768100 | College of Europe | Brugge | BELGIUM | Deferment Only |
4245300 | Ghent University | Gent | BELGIUM | Deferment Only |
667100 | Katholieke Universiteit Leuven | Leuven | BELGIUM | Deferment Only |
838900 | Université de Liège | Liege | BELGIUM | Deferment Only |
837800 | Universiteit Antwerpen | Antwerp | BELGIUM | Deferment Only |
3105100 | Von Karman Inst For Fluid Dynamics | Rhode | BELGIUM | Deferment Only |
4222700 | University Sarajevo School of Science and Technology | Sarajevo | BOSNIA-HERCEGOVINA | Deferment Only |
3764300 | St. Matthew's University School of Medicine | Grand Cayman | BRITISH WEST INDIES | Eligible |
3442300 | American University in Bulgaria | Blagoevgrad | BULGARIA | Eligible |
844900 | Acadia University | Wolfville | CANADA | Eligible |
1221100 | Algonquin College of Applied Arts & Technology | Ottawa | CANADA | Deferment Only |
4156700 | Ambrose University | Calgary | CANADA | Eligible |
4123100 | Atlantic School of Theology | Halifax | CANADA | Deferment Only |
685200 | Bishop's University | Sherbroke | CANADA | Eligible |
942100 | Brandon University | Brandon | CANADA | Eligible |
1172200 | Briercrest College and Seminary | Caronport | CANADA | Eligible |
925200 | Brock University | St Catharines | CANADA | Eligible |
3335400 | Burman University | Lacombe | CANADA | Eligible |
2116600 | Canadian Memorial Chiropractic College | North York | CANADA | Eligible |
3644400 | Canadian Mennonite University | Winnipeg | CANADA | Deferment Only |
3674400 | Canadian Southern Baptist Seminary | Cochrane | CANADA | Deferment Only |
3711300 | Capilano University | North Vancouver | CANADA | Deferment Only |
836800 | Carleton University | Ottawa | CANADA | Eligible |
2201100 | Columbia Bible College | Abbotsford | CANADA | Eligible |
836500 | Concordia University | Montreal | CANADA | Eligible |
2593800 | Concordia University of Edmonton | Edmonton | CANADA | Eligible |
3847300 | Crandall University | Moncton | CANADA | Eligible |
683800 | Dalhousie University | Halifax | CANADA | Eligible |
4239200 | École nationale de cirque - National Circus School | Montreal | CANADA | Deferment Only |
2338800 | Emily Carr University of Art and Design | Vancouver | CANADA | Deferment Only |
3420300 | Holland College | Charlottetown | CANADA | Eligible |
2184600 | Institute for Christian Studies | Toronto | CANADA | Deferment Only |
3273300 | Institute of Naturopathic Education and Research | Toronto | CANADA | Eligible |
2611900 | King's University (The) | Edmonton | CANADA | Eligible |
2102100 | Kingswood University | Sussex | CANADA | Eligible |
3332500 | Kwantlen Polytechnic University | Surrey | CANADA | Deferment Only |
667700 | McGill University | Montreal | CANADA | Eligible |
4122700 | McMaster Divinity College | Hamilton | CANADA | Deferment Only |
685300 | McMaster University | Hamilton | CANADA | Eligible |
969800 | Medicine Hat College | Medicine Hat | CANADA | Deferment Only |
950000 | Memorial University of Newfoundland | St John's | CANADA | Eligible |
950300 | Mount Allison University | Sackville | CANADA | Eligible |
836300 | Mount Saint Vincent University | Halifax | CANADA | Eligible |
3560400 | Niagara College | Welland | CANADA | Deferment Only |
1012300 | Nova Scotia College of Art & Design | Halifax | CANADA | Deferment Only |
2095800 | Ontario College of Art and Design | Toronto | CANADA | Deferment Only |
3846300 | Pacific Life Bible College | Surrey | CANADA | Eligible |
2167000 | Prairie Bible Institute | Three Hills | CANADA | Deferment Only |
1227400 | Providence University College and Theological Seminary | Otterburne | CANADA | Eligible |
667900 | Queen's University at Kingston | Kingston | CANADA | Eligible |
4075300 | Quest University Canada | Squamish | CANADA | Eligible |
2354700 | Red Deer College | Red Deer | CANADA | Deferment Only |
3348500 | Redeemer University College | Ancaster | CANADA | Eligible |
1067500 | Regent College | Vancouver | CANADA | Eligible |
1072000 | Ryerson University | Toronto | CANADA | Eligible |
836400 | Saint Mary's University | Halifax | CANADA | Eligible |
1022100 | Saint Paul University | Ottawa | CANADA | Eligible |
2577200 | Salvation Army William and Catherine Booth University | Winnipeg | CANADA | Eligible |
1045800 | Sheridan College | Oakville | CANADA | Deferment Only |
844400 | Simon Fraser University | Burnaby | CANADA | Eligible |
668200 | St Thomas University | Fredericton | CANADA | Eligible |
668100 | St. Francis Xavier University | Antigonish | CANADA | Eligible |
3339300 | St. Stephen's University | St. Stephen | CANADA | Eligible |
950500 | Trent University | Peterborough | CANADA | Deferment Only |
948600 | Trinity Western University | Langley | CANADA | Eligible |
2216400 | Tyndale University | Toronto | CANADA | Eligible |
836600 | Universite de Montreal | Montreal | CANADA | Eligible |
683700 | Universite Laval | Quebec | CANADA | Eligible |
836200 | University of Alberta (The) | Edmonton | CANADA | Eligible |
836900 | University of British Columbia | Vancouver | CANADA | Eligible |
787400 | University of Calgary | Calgary | CANADA | Eligible |
668300 | University of Guelph | Guelph | CANADA | Eligible |
950100 | University of King's College | Halifax | CANADA | Eligible |
1070300 | University of Lethbridge | Lethbridge | CANADA | Deferment Only |
668400 | University of Manitoba | Winnipeg | CANADA | Eligible |
668500 | University of New Brunswick (The) | Fredericton | CANADA | Eligible |
3613300 | University of Northern British Columbia | Prince George | CANADA | Eligible |
4217300 | University of Ontario Institute of Technology | Oshawa | CANADA | Deferment Only |
668600 | University of Ottawa | Ottawa | CANADA | Eligible |
936700 | University of Prince Edward Island | Charlottetown | CANADA | Eligible |
844800 | University of Regina | Regina | CANADA | Deferment Only |
2219200 | University of Saskatchewan | Saskatoon | CANADA | Deferment Only |
668800 | University of Toronto | Toronto | CANADA | Eligible |
837000 | University of Victoria | Victoria | CANADA | Eligible |
852600 | University of Waterloo | Waterloo | CANADA | Eligible |
844600 | University of Western Ontario (The) | London | CANADA | Eligible |
668900 | University of Windsor | Windsor | CANADA | Eligible |
814800 | University of Winnipeg (The) | Winnipeg | CANADA | Eligible |
3078300 | Vancouver School of Theology | Vancouver | CANADA | Eligible |
858200 | Wilfrid Laurier University | Waterloo | CANADA | Eligible |
767900 | York University | Toronto | CANADA | Eligible |
4288700 | Colegio Mayor de Nuestra Senora del Rosario | Bogota | COLOMBIA | Deferment Only |
4288800 | Corporacion Universitaria Minuto de Dios- UNIMINUTO | Bogota | COLOMBIA | Deferment Only |
4288500 | Institucion Universitaria Colombo Americana UNICA | Bogota D.C. | COLOMBIA | Deferment Only |
4288600 | Pontificia Universidad Javeriana | Bogota D.C. | COLOMBIA | Deferment Only |
4289400 | Universidad Catolica de Colombia | Bogota | COLOMBIA | Deferment Only |
4156900 | Universidad de la Sabana | Chia | COLOMBIA | Deferment Only |
2250100 | Universidad De Los Andes (University of the Andes) | Bogota | COLOMBIA | Deferment Only |
4289200 | Universidad del Norte | Barranquilla | COLOMBIA | Deferment Only |
4289300 | Universidad Icesi | Cali | COLOMBIA | Deferment Only |
4288300 | Universidad Sergio Arboleda | Bogota | COLOMBIA | Deferment Only |
4252500 | Universidad Autonoma De Centro America | San Jose | COSTA RICA | Deferment Only |
3653400 | Universidad de Iberoamérica | San Jose | COSTA RICA | Eligible |
3993500 | Anglo-americka vysoka skola, z.u. | Prague | CZECH REPUBLIC | Deferment Only |
3386300 | Charles University in Prague, Faculty of Medicine in Hradec | Hradec Kralove 1 | CZECH REPUBLIC | Deferment Only |
3300400 | Charles University, First Faculty of Medicine | Prague 2 | CZECH REPUBLIC | Eligible |
4228500 | Czech University of Life Sciences | Prague | CZECH REPUBLIC | Deferment Only |
3565300 | Masarykova Univerzita | Brno | CZECH REPUBLIC | Eligible |
1122600 | Aarhus University | Aarhus C | DENMARK | Eligible |
3873300 | Copenhagen Business School | Frederiksberg | DENMARK | Eligible |
669000 | University of Copenhagen | Copenhagen | DENMARK | Eligible |
1281100 | Instituto Tecnologico de Santo Domingo | Santo Domingo | DOMINICAN REPUBLIC | Eligible |
1280200 | Pontificia Universidad Catolica Madre y Maestra | Santiago | DOMINICAN REPUBLIC | Eligible |
3334300 | Universidad Católica Nordestana | San Francisco de Macoris | DOMINICAN REPUBLIC | Eligible |
1097700 | Universidad Central del Este | San Pedro de Macoris | DOMINICAN REPUBLIC | Eligible |
2351800 | Universidad Iberoamericana (UNIBE) | Santo Dimingo | DOMINICAN REPUBLIC | Eligible |
503400 | American University In Cairo (The) | New Cairo | EGYPT | Eligible |
3435300 | Anglia Ruskin University | Chelmsford | ENGLAND | Eligible |
3589400 | Arts University Bournemouth | Poole | ENGLAND | Eligible |
1225800 | Aston University | Birmingham | ENGLAND | Eligible |
3533300 | Bath Spa University | Bath | ENGLAND | Eligible |
1221500 | Birmingham City University | Birmingham | ENGLAND | Eligible |
3350300 | Bournemouth University | Poole | ENGLAND | Eligible |
1079400 | Bristol Old Vic Theatre School | Bristol | ENGLAND | Eligible |
1178000 | Brunel University London | Middlesex | ENGLAND | Eligible |
4295000 | Buckinghamshire New University | High Wycombe | ENGLAND | Eligible |
869300 | City, University of London | London | ENGLAND | Eligible |
4238100 | Cliff College | Calver | ENGLAND | Eligible |
1049300 | Cranfield University | Bedford | ENGLAND | Eligible |
2310500 | De Montfort University | Leicester | ENGLAND | Eligible |
4252200 | Edge Hill University | Ormskirk | ENGLAND | Eligible |
3859400 | Falmouth University | Falmouth | ENGLAND | Eligible |
1176500 | Goldsmiths College - University of London | London | ENGLAND | Eligible |
2196700 | Guildhall School of Music & Drama | London | ENGLAND | Eligible |
4279500 | Hartpury University | Hartpury | ENGLAND | Eligible |
4180700 | Heythrop College, University of London | London | ENGLAND | Deferment Only |
1156700 | Imperial College London | London | ENGLAND | Eligible |
908500 | King's College London | London | ENGLAND | Eligible |
1081600 | Kingston University | Kingston Upon Thames | ENGLAND | Eligible |
4262300 | Leeds Arts University | Leeds | ENGLAND | Eligible |
3501400 | Leeds Beckett University | Leeds | ENGLAND | Eligible |
4115900 | Liverpool Hope University | Liverpool | ENGLAND | Eligible |
3287300 | Liverpool Institute for Performing Arts (The) | Liverpool | ENGLAND | Eligible |
3580300 | Liverpool John Moores University | Liverpool | ENGLAND | Eligible |
2108600 | London Academy of Music & Dramatic Art | London | ENGLAND | Eligible |
4134200 | London Contemporary Dance School | London | ENGLAND | Eligible |
1057400 | London Film School | London | ENGLAND | Eligible |
2235300 | London Metropolitan University | London | ENGLAND | Eligible |
3352300 | London South Bank University | London | ENGLAND | Eligible |
845800 | Loughborough University | Loughborough | ENGLAND | Eligible |
3033300 | Manchester Metropolitan University (The) | Manchester | ENGLAND | Eligible |
2180500 | Middlesex University | London | ENGLAND | Eligible |
2496700 | National Film & Television School | Beaconsfield, Bucks | ENGLAND | Eligible |
3770300 | Nazarene Theological College | Manchester | ENGLAND | Eligible |
4076300 | Newcastle College | Newcastle upon Tyne | ENGLAND | Deferment Only |
4282900 | Northern School of Contemporary Dance | Leeds | ENGLAND | Eligible |
4244500 | Norwich University of the Arts | Norwich | ENGLAND | Eligible |
3092500 | Nottingham Trent University | Nottingham | ENGLAND | Eligible |
2087900 | Oxford Brookes University | Headington | ENGLAND | Eligible |
669700 | Queen Mary University of London | London | ENGLAND | Eligible |
4253500 | Ravensbourne University London | London | ENGLAND | Eligible |
1059400 | Richmond, The American International University in London | London | ENGLAND | Eligible |
2101900 | Roehampton University | London | ENGLAND | Eligible |
3807300 | Rose Bruford College of Theatre and Performance | Sidcup | ENGLAND | Eligible |
1176400 | Royal Academy of Music | London | ENGLAND | Eligible |
4181800 | Royal Agricultural University | Cirencester | ENGLAND | Deferment Only |
1008900 | Royal Central School of Speech and Drama (The) | London | ENGLAND | Eligible |
942300 | Royal College of Art | London | ENGLAND | Eligible |
1233500 | Royal College of Music | London | ENGLAND | Eligible |
2320500 | Royal Northern College of Music | Manchester | ENGLAND | Eligible |
3824300 | Royal Veterinary College (The), University of London | London | ENGLAND | Eligible |
2561600 | Solent University | Southampton | ENGLAND | Eligible |
2266600 | St George's Hospital Medical School | London | ENGLAND | Eligible |
4143700 | St Mary's University, Twickenham | Twickenham London | ENGLAND | Eligible |
4275700 | Staffordshire University | Stoke-on-Trent | ENGLAND | Eligible |
1052000 | Trinity Laban Conservatoire of Music and Dance | Greenwich | ENGLAND | Eligible |
4212900 | University College Birmingham | Birmingham | ENGLAND | Eligible |
2338900 | University for the Creative Arts | Farnham | ENGLAND | Eligible |
1167900 | University of Bath | Bath | ENGLAND | Eligible |
890800 | University of Birmingham (The) | Birmingham | ENGLAND | Eligible |
1219800 | University of Bradford | Bradford | ENGLAND | Eligible |
3517300 | University of Brighton | Brighton | ENGLAND | Eligible |
763200 | University of Bristol | Bristol | ENGLAND | Eligible |
3012700 | University of Buckingham | Buckingham | ENGLAND | Eligible |
403000 | University of Cambridge | Cambridge | ENGLAND | Eligible |
2207300 | University of Cambridge - Christ's College | Cambridge | ENGLAND | Eligible |
1033200 | University of Cambridge - Clare College | Cambridge | ENGLAND | Eligible |
2271700 | University of Cambridge - Clare Hall | Cambridge | ENGLAND | Eligible |
2167400 | University of Cambridge - Corpus Christi College | Cambridge | ENGLAND | Eligible |
2052400 | University of Cambridge - Darwin College | Cambridge | ENGLAND | Eligible |
685000 | University of Cambridge - Downing College | Cambridge | ENGLAND | Eligible |
2186100 | University of Cambridge - Emmanuel College | Cambridge | ENGLAND | Eligible |
992700 | University of Cambridge - Fitzwilliam College | Cambridge | ENGLAND | Eligible |
1210100 | University of Cambridge - Girton College | Cambridge | ENGLAND | Eligible |
1230200 | University of Cambridge - Gonville & Caius College | Cambridge | ENGLAND | Eligible |
2142000 | University of Cambridge - Homerton College | Cambridge | ENGLAND | Eligible |
2232100 | University of Cambridge - Hughes Hall | Cambridge | ENGLAND | Eligible |
2296300 | University of Cambridge - Jesus College | Cambridge | ENGLAND | Eligible |
2177700 | University of Cambridge - King's College | Cambridge | ENGLAND | Eligible |
2116700 | University of Cambridge - Lucy Cavendish College | Cambridge | ENGLAND | Eligible |
2186000 | University of Cambridge - Magdalene College | Cambridge | ENGLAND | Eligible |
2272200 | University of Cambridge - Murray Edwards College | Cambridge | ENGLAND | Eligible |
2087400 | University of Cambridge - Newnham College | Cambridge | ENGLAND | Eligible |
669100 | University of Cambridge - Pembroke College | Cambridge | ENGLAND | Eligible |
1175800 | University of Cambridge - Peterhouse | Cambridge | ENGLAND | Eligible |
2082400 | University of Cambridge - Queen's College | Cambridge | ENGLAND | Eligible |
2212300 | University of Cambridge - Robinson College | Cambridge | ENGLAND | Eligible |
1283900 | University of Cambridge - Saint John's College | Cambridge | ENGLAND | Eligible |
3494400 | University of Cambridge - Selwyn College | Cambridge | ENGLAND | Eligible |
2133400 | University of Cambridge - Sidney Sussex College | Cambridge | ENGLAND | Eligible |
2094400 | University of Cambridge - St Edmund's College | Cambridge | ENGLAND | Eligible |
3492400 | University of Cambridge - St. Catharine's College | Cambridge | ENGLAND | Eligible |
1207500 | University of Cambridge - Trinity College | Cambridge | ENGLAND | Eligible |
2335100 | University of Cambridge - Trinity Hall | Cambridge | ENGLAND | Eligible |
2083400 | University of Cambridge - Wolfson College | Cambridge | ENGLAND | Eligible |
1019000 | University of Cambridge Churchill College | Cambridge | ENGLAND | Eligible |
3515300 | University of Central Lancashire | Lancashire | ENGLAND | Eligible |
4170900 | University of Chester | Chester | ENGLAND | Eligible |
3694300 | University of Chichester | Chichester | ENGLAND | Eligible |
3728300 | University of Derby | Derby | ENGLAND | Eligible |
858700 | University of Durham | Durham | ENGLAND | Eligible |
1091500 | University of East Anglia | Norwich | ENGLAND | Eligible |
3045000 | University of East London | London | ENGLAND | Eligible |
868700 | University of Essex | Colchester | ENGLAND | Eligible |
944200 | University of Exeter | Exeter | ENGLAND | Eligible |
3619300 | University of Greenwich | London | ENGLAND | Eligible |
1052500 | University of Hertfordshire | Hatfield | ENGLAND | Eligible |
1297800 | University of Huddersfield (The) | Huddersfield | ENGLAND | Eligible |
891000 | University of Hull | Hull | ENGLAND | Eligible |
3029400 | University of Keele | Keele | ENGLAND | Eligible |
866500 | University of Kent | Canterbury | ENGLAND | Eligible |
944400 | University of Lancaster | Lancaster | ENGLAND | Eligible |
669200 | University of Leeds | Leeds | ENGLAND | Eligible |
2229100 | University of Leicester | Leicester | ENGLAND | Eligible |
3684400 | University of Lincoln | Lincoln | ENGLAND | Eligible |
924900 | University of Liverpool (The) | Liverpool | ENGLAND | Eligible |
2095500 | University of London - London Business School | London | ENGLAND | Eligible |
669300 | University of London - London School of Economics & | London | ENGLAND | Eligible |
2210000 | University of London - London School of Hygiene & Tropical | London | ENGLAND | Eligible |
908600 | University of London - Royal Holloway | Egham | ENGLAND | Eligible |
669600 | University of London - School of Advanced Study | London | ENGLAND | Eligible |
669400 | University of London - School of Oriental & African Studies | London | ENGLAND | Eligible |
2120000 | University of London - The Courtauld Institute of Art | London | ENGLAND | Eligible |
669500 | University of London - University College London | London | ENGLAND | Eligible |
908400 | University of London, Birkbeck | London | ENGLAND | Eligible |
1213600 | University of Manchester (The) | Manchester | ENGLAND | Eligible |
846000 | University of Newcastle upon Tyne | Newcastle upon Tyne | ENGLAND | Eligible |
3029500 | University of Northumbria at Newcastle | Newcastle Upon Tyne | ENGLAND | Eligible |
892000 | University of Nottingham | Nottingham | ENGLAND | Eligible |
839400 | University of Oxford | Oxford | ENGLAND | Eligible |
1009000 | University of Oxford - Balliol College | Oxford | ENGLAND | Eligible |
2271900 | University of Oxford - Blackfriars | Oxford | ENGLAND | Eligible |
1107200 | University of Oxford - Brasenose College | Oxford | ENGLAND | Eligible |
2271800 | University of Oxford - Campion Hall | Oxford | ENGLAND | Eligible |
1107100 | University of Oxford - Christ Church College | Oxford | ENGLAND | Eligible |
1008800 | University of Oxford - Corpus Christi College | Oxford | ENGLAND | Eligible |
1107000 | University of Oxford - Exeter College | Oxford | ENGLAND | Eligible |
3492300 | University of Oxford - Green Templeton College | Oxford | ENGLAND | Eligible |
3494600 | University of Oxford - Harris Manchester College | Oxford | ENGLAND | Eligible |
1106900 | University of Oxford - Hertford College | Oxford | ENGLAND | Eligible |
1106800 | University of Oxford - Jesus College | Oxford | ENGLAND | Eligible |
1106700 | University of Oxford - Keble College | Oxford | ENGLAND | Eligible |
1105500 | University of Oxford - Lady Margaret Hall | Oxford | ENGLAND | Eligible |
1276500 | University of Oxford - Linacre College | Oxford | ENGLAND | Eligible |
1106600 | University of Oxford - Lincoln College | Oxford | ENGLAND | Eligible |
1086600 | University of Oxford - Magdalen College | Oxford | ENGLAND | Eligible |
1183800 | University of Oxford - Mansfield College | Oxford | ENGLAND | Eligible |
1106500 | University of Oxford - Merton College | Oxford | ENGLAND | Eligible |
1106400 | University of Oxford - New College | Oxford | ENGLAND | Eligible |
1106300 | University of Oxford - Nuffield College | Oxford | ENGLAND | Eligible |
1106200 | University of Oxford - Oriel College | Oxford | ENGLAND | Eligible |
1106100 | University of Oxford - Pembroke College | Oxford | ENGLAND | Eligible |
1106000 | University of Oxford - Queen's College | Oxford | ENGLAND | Eligible |
1220100 | University of Oxford - Regent's Park College | Oxford | ENGLAND | Eligible |
1098000 | University of Oxford - Somerville College | Oxford | ENGLAND | Eligible |
1105400 | University of Oxford - St Anne's College | Oxford | ENGLAND | Eligible |
1105900 | University of Oxford - St Antony's College | Oxford | ENGLAND | Eligible |
3494500 | University of Oxford - St Benet's Hall | Oxford | ENGLAND | Eligible |
963400 | University of Oxford - St Catherine's College | Oxford | ENGLAND | Eligible |
1105800 | University of Oxford - St Edmund Hall | Oxford | ENGLAND | Eligible |
1105300 | University of Oxford - St Hilda's College | Oxford | ENGLAND | Eligible |
1094200 | University of Oxford - St Hugh's College | Oxford | ENGLAND | Eligible |
1086700 | University of Oxford - St John's College | Oxford | ENGLAND | Eligible |
1008700 | University of Oxford - St Peter's College | Oxford | ENGLAND | Eligible |
1105700 | University of Oxford - Trinity College | Oxford | ENGLAND | Eligible |
1105600 | University of Oxford - University College | Oxford | ENGLAND | Eligible |
1099900 | University of Oxford - Wadham College | Oxford | ENGLAND | Eligible |
1227500 | University of Oxford - Wolfson College | Oxford | ENGLAND | Eligible |
1078900 | University of Oxford - Worcester College | Oxford | ENGLAND | Eligible |
2183500 | University of Oxford - Wycliffe Hall | Oxford | ENGLAND | Eligible |
4227300 | University of Oxford-St. Stephen's House | Oxford | ENGLAND | Eligible |
2352100 | University of Plymouth | Plymouth | ENGLAND | Eligible |
2115900 | University of Portsmouth | Portsmouth | ENGLAND | Eligible |
1014300 | University of Reading | Reading | ENGLAND | Eligible |
900600 | University of Salford (The) | Salford | ENGLAND | Eligible |
839800 | University of Sheffield (The) | Sheffield | ENGLAND | Eligible |
839900 | University of Southampton | Southampton | ENGLAND | Eligible |
3507300 | University of Sunderland | Sunderland | ENGLAND | Eligible |
986000 | University of Surrey | Guildford | ENGLAND | Eligible |
669900 | University of Sussex | Brighton | ENGLAND | Eligible |
3473300 | University of the Arts London | London | ENGLAND | Eligible |
2194800 | University of the West of England, Bristol | Bristol | ENGLAND | Eligible |
838000 | University of Warwick | Coventry | ENGLAND | Eligible |
3945300 | University of West London (The) | Ealing | ENGLAND | Eligible |
2195100 | University of Westminster | London | ENGLAND | Eligible |
2149700 | University of Winchester (The) | Winchester | ENGLAND | Eligible |
3085100 | University of Wolverhampton | Wolverhampton | ENGLAND | Eligible |
4128600 | University of Worcester | Worcester | ENGLAND | Eligible |
670000 | University of York | York | ENGLAND | Eligible |
4032300 | York St John University | York | ENGLAND | Eligible |
1123000 | Sibelius Academy | Helsinki | FINLAND | Deferment Only |
3085000 | University of Turku (Turun yliopisto) | Turku | FINLAND | Deferment Only |
4278200 | American Business School of Paris | Paris | FRANCE | Deferment Only |
3816400 | American Graduate School in Paris | Paris | FRANCE | Eligible |
788100 | American University of Paris | Paris | FRANCE | Eligible |
2293400 | Ecole des Hautes Etudes Commerciales | Jouy-En-Josas | FRANCE | Eligible |
4116300 | EDHEC Business School | Roubaix Cedex 1 | FRANCE | Eligible |
3095900 | ESSEC Business School | Cergy-Pontoise Cedex | FRANCE | Eligible |
3594300 | Grenoble Ecole de Management | Grenoble | FRANCE | Eligible |
1047200 | INSEAD | Fontainebleau | FRANCE | Eligible |
3820300 | Institut d'Economie Scientifique et de Gestion | Lille | FRANCE | Deferment Only |
1059900 | Institut D'Etudes Politiques De Paris | Paris | FRANCE | Eligible |
3897400 | International Space University | Illkirch-Graffenstaden | FRANCE | Eligible |
3682300 | Kedge Business School | Talence | FRANCE | Deferment Only |
4159800 | Rennes School of Business | Rennes | FRANCE | Eligible |
2354800 | Universite Paris 1 Panthéon-Sorbonne | 75231 Paris Cedex 05 | FRANCE | Deferment Only |
4266200 | Universite Toulouse 1 Capitole | Toulouse | FRANCE | Deferment Only |
3043800 | Akademie der Bildenden Künste München | Munchen | GERMANY | Deferment Only |
3056900 | Akademie der Bildenden Künste Nürnberg | Nurnberg | GERMANY | Deferment Only |
2147900 | Albert-Ludwigs-Universitat Freiburg im Breisgau | Freiburg/Breisgau | GERMANY | Deferment Only |
3037800 | Alice Salomon Hochschule Berlin | Berlin | GERMANY | Deferment Only |
3056700 | Augustana-Hochschule Neuendettelsau | Neuendettelsau | GERMANY | Deferment Only |
3119300 | Bauhaus Universitat Weimar | Weimar | GERMANY | Deferment Only |
3050300 | Bergische Universität Wuppertal | Wuppertal | GERMANY | Deferment Only |
3054500 | Beuth Hochschule für Technik Berlin | Berlin | GERMANY | Deferment Only |
3311900 | Brandenburgische Technische Universitat Cottbus- | Cottbus | GERMANY | Deferment Only |
4009900 | Bucerius Law School - Hochschule fur Rechtswissenschaft | Hamburg | GERMANY | Deferment Only |
3117700 | Burg Giebichenstein Kunsthochschule Halle | Halle | GERMANY | Deferment Only |
3046500 | Carl von Ossietzky Universitat Oldenburg | Oldenburg | GERMANY | Deferment Only |
2238900 | Christian Albrechts Universitat zu Kiel | Kiel | GERMANY | Deferment Only |
3048800 | Deutsche Hochschule fur Verwaltungswissenschaften | Speyer | GERMANY | Deferment Only |
1225100 | Deutsche Sporthochschule Koln | Koln | GERMANY | Deferment Only |
4196200 | Duale Hochschule Baden-Württemberg | Stuttgart | GERMANY | Deferment Only |
3049300 | Eberhard-Karls-Universitat-Tubingen | Tubingen | GERMANY | Deferment Only |
4015700 | EBS Universität für Wirtschaft und Recht | Wiesbaden | GERMANY | Deferment Only |
3117900 | Ernst-Abbe-Hochschule Jena-University of Applied Sciences | Jena | GERMANY | Deferment Only |
3086100 | Ernst-Moritz-Arndt Universitat Greifswald | Greifswald | GERMANY | Deferment Only |
4176500 | ESMT European School of Management and Technology | Berlin | GERMANY | Eligible |
3041900 | Europa-Universität Flensburg | Flensburg | GERMANY | Deferment Only |
3121700 | Europa-Universitat Viadrina Frankfurt(Oder) | Frankfurt(Oder) | GERMANY | Deferment Only |
3040700 | Evangelische Fachhochschule Darmstadt | Darmstadt | GERMANY | Deferment Only |
3055000 | Evangelische Fachhochschule Rheinland-Westfalen Lippe | Bochum | GERMANY | Deferment Only |
3054700 | Evangelische Hochschule Berlin | Berlin | GERMANY | Deferment Only |
3053800 | Evangelische Hochschule Freiburg, staatlich anerkannte | Freiburg | GERMANY | Deferment Only |
3046000 | Evangelische Hochschule für soziale Arbeit und Diakonie | Hamburg | GERMANY | Deferment Only |
4016400 | Evangelische Hochschule Ludwigsburg, Hochschule für | Ludwigsburg | GERMANY | Deferment Only |
3044300 | Evangelische Hochschule Nurnberg | Nurnberg | GERMANY | Deferment Only |
3037000 | Fachhochschule Aachen | Aachen | GERMANY | Deferment Only |
3054900 | Fachhochschule Bielefeld | Bielfeld | GERMANY | Deferment Only |
3041000 | Fachhochschule Dortmund | Dortmund | GERMANY | Deferment Only |
3117600 | Fachhochschule Erfurt | Erfurt | GERMANY | Deferment Only |
3048400 | Fachhochschule Kiel | Kiel | GERMANY | Deferment Only |
3056100 | Fachhochschule Lubeck | Lubeck | GERMANY | Deferment Only |
3044200 | Fachhochschule Munster | Munster | GERMANY | Deferment Only |
3118700 | Fachhochschule Potsdam | Potsdam | GERMANY | Deferment Only |
3119100 | Fachhochschule Stralsund | Stralsund | GERMANY | Deferment Only |
3060100 | Fachhochschule Südwestfalen | Iserlohn | GERMANY | Deferment Only |
3117800 | Fachhochschule Westkuste Hochschule für Wirtschaft und | Heide | GERMANY | Deferment Only |
3045700 | Fernuniversitat in Hagen | Hagen | GERMANY | Deferment Only |
3118800 | Filmuniversität Babelsberg Konrad Wolf | Potsdam | GERMANY | Deferment Only |
3057300 | Folkwang Universität der Künste | Essen | GERMANY | Deferment Only |
4015300 | Frankfurt School of Finance & Management gGmbH | Frankfurt am Main | GERMANY | Eligible |
3058100 | Frankfurt University of Applied Sciences | Frankfurt | GERMANY | Deferment Only |
949000 | Freie Universitat Berlin | Berlin | GERMANY | Deferment Only |
838100 | Friedrich-Alexander-Universitat Erlangen-Nurnberg | Erlangen | GERMANY | Deferment Only |
3086800 | Friedrich-Schiller-Universitat Jena | Jena | GERMANY | Deferment Only |
845500 | Georg-August Universitat Gottingen | Gottingen | GERMANY | Deferment Only |
2283300 | Goethe-Universität Frankfurt am Main | Frankfurt | GERMANY | Deferment Only |
3044900 | Gottfried Wilhelm Leibniz Universität Hannover | Hannover | GERMANY | Deferment Only |
1084000 | Heinrich-Heine-Universitat Dusseldorf | Dusseldorf | GERMANY | Deferment Only |
3058900 | Helmut-Schmidt-Universität/Universität der Bundeswehr | Hamburg | GERMANY | Deferment Only |
4128700 | Hertie School | Berlin | GERMANY | Eligible |
3818300 | HHL Leipzig Graduate School of Management | Leipzig | GERMANY | Eligible |
3056200 | Hochschule Mannheim | Mannheim | GERMANY | Deferment Only |
3037100 | Hochschule Aalen - Technik und Wirtschaft | Aalen | GERMANY | Deferment Only |
3048700 | Hochschule Albstadt-Sigmaringen | Sigmaringen | GERMANY | Deferment Only |
3118200 | Hochschule Anhalt | Kothen | GERMANY | Deferment Only |
3054800 | Hochschule Biberach | Biberach | GERMANY | Deferment Only |
3039200 | Hochschule Bochum - University of Applied Sciences | Bochum | GERMANY | Deferment Only |
3312800 | Hochschule Bonn-Rhein-Sieg, University of Applied Sciences | Sankt Augustin | GERMANY | Deferment Only |
3050000 | Hochschule Braunschweig/Wolfenbüttel, Ostfalia | Wolfenbuttel | GERMANY | Deferment Only |
3055200 | Hochschule Bremen | Bremen | GERMANY | Deferment Only |
3055300 | Hochschule Bremerhaven | Bremerhaven | GERMANY | Deferment Only |
3039800 | Hochschule Darmstadt | Darmstadt | GERMANY | Deferment Only |
3313000 | Hochschule der Bildenden Kunste Saar | Saarbrucken | GERMANY | Deferment Only |
3049000 | Hochschule der Medien Stuttgart | Stuttgart | GERMANY | Deferment Only |
3041100 | Hochschule Dusseldorf | Dusseldorf | GERMANY | Deferment Only |
3057400 | Hochschule Emden/Leer | Emden | GERMANY | Deferment Only |
3057600 | Hochschule Esslingen | Esslingen | GERMANY | Deferment Only |
3043400 | Hochschule Fulda - University of Applied Sciences | Fulda | GERMANY | Deferment Only |
3047700 | Hochschule für angewandte Wissenschaft und Kunst, | Hildesheim | GERMANY | Deferment Only |
3037300 | Hochschule für angewandte Wissenschaften - | Augsburg | GERMANY | Deferment Only |
3311400 | Hochschule für angewandte Wissenschaften - | Ansbach | GERMANY | Deferment Only |
4015500 | Hochschule für angewandte Wissenschaften - | Aschaffenburg | GERMANY | Deferment Only |
3058200 | Hochschule für angewandte Wissenschaften - | Rosenheim | GERMANY | Deferment Only |
3058500 | Hochschule für angewandte Wissenschaften - | Freising | GERMANY | Deferment Only |
3055400 | Hochschule für angewandte Wissenschaften Coburg | Coburg | GERMANY | Deferment Only |
3060200 | Hochschule für angewandte Wissenschaften | Wurzburg | GERMANY | Deferment Only |
2303000 | Hochschule fur Angewandte Wissenschaften Hamburg | Hamburg | GERMANY | Deferment Only |
3312200 | Hochschule für Angewandte Wissenschaften Hof | Hof | GERMANY | Deferment Only |
3048300 | Hochschule für angewandte Wissenschaften Kempten | Kempten | GERMANY | Deferment Only |
3043600 | Hochschule für angewandte Wissenschaften München | Munchen | GERMANY | Deferment Only |
4017800 | Hochschule für angewandte Wissenschaften Neu-Ulm | Neu-Ulm | GERMANY | Deferment Only |
3039400 | Hochschule Fur Bildende Kunste Braunschwieg | Braunschweig | GERMANY | Deferment Only |
4007400 | Hochschule fur Bildende Kunste Dresden | Dresden | GERMANY | Deferment Only |
3044600 | Hochschule für Bildende Künste Hamburg | Hamburg | GERMANY | Deferment Only |
3312900 | Hochschule fur Forstwirtschaft Rottenburg | Rottenburg | GERMANY | Deferment Only |
3046300 | Hochschule Fur Gestaltung - Offenbach | Offenbach | GERMANY | Deferment Only |
3048500 | Hochschule Fur Gestaltung Schwäbisch Gmünd | Schwabisch-Gmund | GERMANY | Deferment Only |
4200800 | Hochschule für Gesundheit - University of Applied Sciences | Bochum | GERMANY | Deferment Only |
4008000 | Hochschule fur Grafik und Buchkunst Leipzig | Leipzig | GERMANY | Deferment Only |
4015900 | Hochschule fur Judische Studien Heidelberg | Heidelberg | GERMANY | Deferment Only |
3117400 | Hochschule für Künste Bremen | Bremen | GERMANY | Deferment Only |
3312100 | Hochschule fur Musik 'Carl Maria von Weber' Dresden | Dresden | GERMANY | Deferment Only |
3055500 | Hochschule für Musik Detmold | Detmold | GERMANY | Deferment Only |
3119400 | Hochschule für Musik 'Franz Liszt' Weimar | Weimar | GERMANY | Deferment Only |
3121300 | Hochschule fur Musik 'Hanns Eisler' Berlin | Berlin | GERMANY | Deferment Only |
3048200 | Hochschule Fur Musik Karlsruhe | Karlsruhe | GERMANY | Deferment Only |
4018300 | Hochschule für Musik Nürnberg | Nurnberg | GERMANY | Deferment Only |
3047400 | Hochschule für Musik Saar | Saarbrucken | GERMANY | Deferment Only |
1072300 | Hochschule für Musik und Darstellende Kunst Frankfurt | Frankfurt | GERMANY | Deferment Only |
3055700 | Hochschule für Musik und Tanz Köln | Koln | GERMANY | Deferment Only |
3122100 | Hochschule fur Musik und Theater 'Felix Mendelssohn | Leipzig | GERMANY | Deferment Only |
3044700 | Hochschule Fur Musik Und Theater Hamburg | Hamburg | GERMANY | Deferment Only |
3044000 | Hochschule Fur Musik und Theater Munchen | Munchen | GERMANY | Deferment Only |
4009800 | Hochschule fur Musik und Theater Rostock | Rostock | GERMANY | Deferment Only |
3050200 | Hochschule Fur Musik Wurzburg | Wurzburg | GERMANY | Deferment Only |
3059200 | Hochschule für Musik, Theater und Medien Hannover | Hannover | GERMANY | Deferment Only |
3121600 | Hochschule für Nachhaltige Entwicklung Eberswalde | Eberswalde | GERMANY | Deferment Only |
3056300 | Hochschule Fur Philosophie | Munchen | GERMANY | Deferment Only |
3311600 | Hochschule für Schauspielkunst 'Ernst Busch' | Berlin | GERMANY | Deferment Only |
3058800 | Hochschule Fur Technik- Stuttgart | Stuttgart | GERMANY | Deferment Only |
3117200 | Hochschule für Technik und Wirtschaft Berlin | Berlin | GERMANY | Deferment Only |
3047300 | Hochschule für Technik und Wirtschaft des Saarlandes | Saarbrucken | GERMANY | Deferment Only |
3121500 | Hochschule fur Technik und Wirtschaft Dresden (FH) | Dresden | GERMANY | Deferment Only |
3122000 | Hochschule fur Technik, Wirtschaft und Kultur Leipzig | Leipzig | GERMANY | Deferment Only |
3046400 | Hochschule für Technik, Wirtschaft und Medien Offenburg | Offenburg | GERMANY | Deferment Only |
3054600 | Hochschule für Wirtschaft und Recht Berlin | Berlin | GERMANY | Deferment Only |
3044400 | Hochschule für Wirtschaft und Umwelt - Nürtingen- | Nürtingen | GERMANY | Deferment Only |
3043500 | Hochschule Furtwangen - Informatik, Technik, Wirtschaft, | Furtwangen | GERMANY | Deferment Only |
4198200 | Hochschule Hamm-Lippstadt | Hamm | GERMANY | Deferment Only |
3045100 | Hochschule Hannover | Hannover | GERMANY | Deferment Only |
3122300 | Hochschule Harz, Hochschule für angewandte | Wernigerode | GERMANY | Deferment Only |
3047600 | Hochschule Heilbronn, Technik, Wirtschaft, Informatik | Heilbronn | GERMANY | Deferment Only |
3312400 | Hochschule Kaiserslautern (University of Applied Sciences) | Kaiserslautern | GERMANY | Deferment Only |
3048000 | Hochschule Karlsruhe - Technik und Wirtschaft | Karlsruhe | GERMANY | Deferment Only |
3312500 | Hochschule Koblenz | Koblenz | GERMANY | Deferment Only |
3037700 | Hochschule Konstanz Technik, Wirtschaft und Gestaltung | Konstanz | GERMANY | Deferment Only |
3055900 | Hochschule Landshut-Hochschule für angewandte | Landshut | GERMANY | Deferment Only |
3312600 | Hochschule Ludwigshafen am Rhein | Ludwigshafen | GERMANY | Deferment Only |
3122200 | Hochschule Magdeburg-Stendal | Magdeburg | GERMANY | Deferment Only |
3312700 | Hochschule Mainz | Mainz | GERMANY | Deferment Only |
3118400 | Hochschule Merseburg | Merseburg | GERMANY | Deferment Only |
3118500 | Hochschule Mittweida, University of Applied Sciences | Mittweida | GERMANY | Deferment Only |
3118600 | Hochschule Neubrandenburg - University of Applied | Neubrandenburg | GERMANY | Deferment Only |
3037900 | Hochschule Niederrhein | Krefeld | GERMANY | Deferment Only |
4018600 | Hochschule Nordhausen | Nordhausen | GERMANY | Deferment Only |
3057500 | Hochschule Osnabrück | Osnabruck | GERMANY | Deferment Only |
3038100 | Hochschule Ostwestfalen-Lippe | Lemgo | GERMANY | Deferment Only |
3046800 | Hochschule Pforzheim - Gestaltung, Technik, Wirtschaft und | Pforzheim | GERMANY | Deferment Only |
3049700 | Hochschule Ravensburg-Weingarten | Weingarten | GERMANY | Deferment Only |
3047100 | Hochschule Reutlingen, Hochschule für Technik- Wirtschaft- | Reutlingen | GERMANY | Deferment Only |
3049800 | Hochschule RheinMain, RheinMain University of Applied | Wiesbaden | GERMANY | Deferment Only |
4196600 | Hochschule Rhein-Waal - University of Applied Sciences | Kleve | GERMANY | Deferment Only |
4196500 | Hochschule Ruhr West- University of Applied Sciences | Mülheim | GERMANY | Deferment Only |
3118900 | Hochschule Schmalkalden | Schmalkalden | GERMANY | Deferment Only |
3313100 | Hochschule Trier - Trier University of Applied Sciences | Trier | GERMANY | Deferment Only |
3049400 | Hochschule Ulm Technik, Informatik und Medien | Ulm | GERMANY | Deferment Only |
3313300 | Hochschule Wismar - University of Applied Sciences: | Wismar | GERMANY | Deferment Only |
3313400 | Hochschule Worms, University of Applied Sciences | Worms | GERMANY | Deferment Only |
3313500 | Hochschule Zittau/Gorlitz | Zittau | GERMANY | Deferment Only |
3042000 | Hoschschule Flensburg | Flensburg | GERMANY | Deferment Only |
3085900 | Humboldt-Universitat Zu Berlin | Berlin | GERMANY | Deferment Only |
4010600 | Jacobs University Bremen | Bremen | GERMANY | Deferment Only |
4195800 | Jade Hochschule Wilhelmshaven/Oldenburg/Elsfleth | Wilhelmshaven | GERMANY | Deferment Only |
1059800 | Johannnes Gutenberg-Universität Mainz | Mainz | GERMANY | Deferment Only |
942700 | Julius-Maximilians-Universität Würzburg | Wurzburg | GERMANY | Deferment Only |
3045500 | Justus Liebig Universitat Gieben | Giessen | GERMANY | Deferment Only |
1079600 | Karlsruher Institut für Technologie | Karlsruhe | GERMANY | Deferment Only |
3040300 | Katholische Fachhochschule Mainz | Mainz | GERMANY | Deferment Only |
3042300 | Katholische Hochschule Freiburg, staatlich anerkannte | Freiburg | GERMANY | Deferment Only |
4008600 | Katholische Hochschule für Sozialwesen Berlin (KHSB) - | Berlin | GERMANY | Deferment Only |
3037400 | Katholische Hochschule Nordrhein-Westfalen - Catholic | Koln | GERMANY | Deferment Only |
3043700 | Katholische Stiftungsfachhochschule München | Munchen | GERMANY | Deferment Only |
3041300 | Katholische Universität Eichstätt - Ingolstadt | Eichstatt | GERMANY | Deferment Only |
3060300 | Kirchliche Hochschule Wuppertal/Bethel - - (Hochschule für | Wuppertal | GERMANY | Deferment Only |
3055600 | Kunstakademie Düsseldorf | Dusseldorf | GERMANY | Deferment Only |
3056500 | Kunstakademie Munster Hochschule fur Bildende Kunste | Munster | GERMANY | Deferment Only |
3118100 | Kunsthochschule fur Medien Koln | Koln | GERMANY | Deferment Only |
3039100 | Leuphana Universität Lüneburg | Luneburg | GERMANY | Deferment Only |
839200 | Ludwig-Maximilians-Universitat Munchen | Munchen | GERMANY | Deferment Only |
3057200 | Lutherische Theologische - Hochschule Oberursel | Oberursel | GERMANY | Deferment Only |
3086200 | Martin-Luther-Universitat Halle-Wittenberg | Halle | GERMANY | Deferment Only |
3044800 | Medizinische Hochschule Hannover | Hannover | GERMANY | Deferment Only |
3038900 | Musikhochschule Lübeck | Lubeck | GERMANY | Deferment Only |
4010300 | Muthesius Kunsthochschule | Kiel | GERMANY | Deferment Only |
3311300 | Ostbayeriche Technische Hochschule Amber-Weiden | Amberg | GERMANY | Deferment Only |
3047000 | Ostbayerische Technische Hochschule Regensburg | Regensburg | GERMANY | Deferment Only |
2493200 | Otto-Friedrich-Universitat Bamberg | Bamberg | GERMANY | Deferment Only |
3118300 | Otto-von-Guericke-Universitat Magdeburg | Magdeburg | GERMANY | Deferment Only |
3042200 | Pädagogische Hochschule Freiburg | Freiburg/Breisgau | GERMANY | Deferment Only |
3045200 | Padagogische Hochschule Heidelberg | Heidelberg | GERMANY | Deferment Only |
3047900 | Padagogische Hochschule Karlsruhe | Karlsruhe | GERMANY | Deferment Only |
3038300 | Padagogische Hochschule Ludwigsburg | Ludwigsburg | GERMANY | Deferment Only |
3047500 | Padagogische Hochschule Schwabisch-Gmund | Schwabisch-Gmund | GERMANY | Deferment Only |
3049600 | Padagogische Hochschule- Weingarten | Weingarten | GERMANY | Deferment Only |
4007300 | Palucca Schule Dresden - Hochschule fur Tanz | Dresden | GERMANY | Deferment Only |
684100 | Philipps-Universität Marburg | Marburg | GERMANY | Deferment Only |
3058300 | Philosophisch-Theologische Hochschule Sankt Georgen | Frankfurt | GERMANY | Deferment Only |
3038700 | Rheinische Friedrich-Wilhelms-Universität Bonn | Bonn | GERMANY | Deferment Only |
3037600 | Rheinisch-Westfalische Technische Hochschule Aachen | Aachen | GERMANY | Deferment Only |
4011600 | Robert-Schumann-Hochschule Dusseldorf | Dusseldorf | GERMANY | Deferment Only |
3038600 | Ruhr-Universitat Bochum | Bochum | GERMANY | Deferment Only |
670300 | Ruprecht-Karls-Universitat Heidelberg | Heidelberg | GERMANY | Deferment Only |
3059400 | SRH Hochschule Heidelberg - Staatlich anerkannte | Heidelberg | GERMANY | Deferment Only |
3048100 | Staatliche Akademie der Bildenden Künste Karlsruhe | Karlsruhe | GERMANY | Deferment Only |
3049200 | Staatliche Akademie der Bildenden Künste Stuttgart | Stuttgart | GERMANY | Deferment Only |
3042100 | Staatliche Hochschule für Bildende Künste (Städelschule) | Frankfurt | GERMANY | Deferment Only |
3118000 | Staatliche Hochschule fur Gestaltung Karlsruhe | Karlsruhe | GERMANY | Deferment Only |
1059100 | Staatliche Hochschule Fur Musik Freiburg im Breisgau | Freiburg/Breisgau | GERMANY | Deferment Only |
3059000 | Staatliche Hochschule für Musik Trossingen | Trossingen | GERMANY | Deferment Only |
3040600 | Staatliche Hochschule für Musik und Darstellende Kunst | Mannheim | GERMANY | Deferment Only |
3119200 | Staatliche Hochschule für Musik und Darstellende Kunst | Stuttgart | GERMANY | Deferment Only |
2229400 | Stiftung Tierarztliche Hochschule Hannover | Hannover | GERMANY | Deferment Only |
3039300 | Technische Fachhochschule Georg Agricola | Bochum | GERMANY | Deferment Only |
3311800 | Technische Hochschule Bingen | Bingen | GERMANY | Deferment Only |
3117300 | Technische Hochschule Brandenburg | Brandenburg | GERMANY | Deferment Only |
3312000 | Technische Hochschule Deggendorf | Deggendorf | GERMANY | Deferment Only |
3312300 | Technische Hochschule Ingolstadt | Ingolstadt | GERMANY | Deferment Only |
2310600 | Technische Hochschule Koln | Koln | GERMANY | Deferment Only |
3045600 | Technische Hochschule Mittelhessen - THM | Giessen | GERMANY | Deferment Only |
3056800 | Technische Hochschule Nürnberg Georg Simon Ohm | Nurnberg | GERMANY | Deferment Only |
3313200 | Technische Hochschule Wildau | Wildau | GERMANY | Deferment Only |
3086000 | Technische Universitat Bergakademie Freiberg | Freiberg | GERMANY | Deferment Only |
914100 | Technische Universitat Berlin | Berlin | GERMANY | Deferment Only |
3038800 | Technische Universität Carolo-Wilhelmina zu Braunschweig | Braunschweig | GERMANY | Deferment Only |
3086600 | Technische Universitat Chemnitz | Chemnitz | GERMANY | Deferment Only |
3039600 | Technische Universitat Clausthal | Clausthal-Zellerfeld | GERMANY | Deferment Only |
3039700 | Technische Universität Darmstadt | Darmstadt | GERMANY | Deferment Only |
3040900 | Technische Universitat Dortmund | Dortmund | GERMANY | Deferment Only |
3086500 | Technische Universitat Dresden | Dresden | GERMANY | Deferment Only |
3045800 | Technische Universitat Hamburg Harburg | Hamburg | GERMANY | Deferment Only |
3121900 | Technische Universitat Ilmenau | Ilmenau | GERMANY | Deferment Only |
3047800 | Technische Universitat Kaiserslautern | Kaiserslautern | GERMANY | Deferment Only |
2129800 | Technische Universitat Munchen | Munchen | GERMANY | Deferment Only |
3058700 | Theologische Fakultat Fulda | Fulda | GERMANY | Deferment Only |
3057900 | Theologische Fakultat Paderborn | Paderborn | GERMANY | Deferment Only |
3059300 | Theologische Fakultat Trier | Trier | GERMANY | Deferment Only |
3036700 | Universitat Augsburg | Augsburg | GERMANY | Deferment Only |
3036800 | Universität Bayreuth | Bayreuth | GERMANY | Deferment Only |
2238400 | Universität Bielefeld | Bielefeld | GERMANY | Deferment Only |
3039000 | Universität Bremen | Bremen | GERMANY | Deferment Only |
3056400 | Universität Der Bundeswehr - München | Neubiberg | GERMANY | Deferment Only |
2544100 | Universität der Künste Berlin | Berlin | GERMANY | Deferment Only |
2272300 | Universität des Saarlandes | Saarbrucken | GERMANY | Deferment Only |
3041600 | Universität Duisburg-Essen | Essen | GERMANY | Deferment Only |
3117500 | Universität Erfurt | Erfurt | GERMANY | Deferment Only |
838500 | Universität Hamburg | Hamburg | GERMANY | Deferment Only |
3059800 | Universität Hildesheim | Hildesheim | GERMANY | Deferment Only |
3048900 | Universität Hohenheim | Stuttgart | GERMANY | Deferment Only |
3060500 | Universität Kassel | Kassel | GERMANY | Deferment Only |
3040100 | Universität Koblenz-Landau | Mainz | GERMANY | Deferment Only |
1213200 | Universität Konstanz | Konstanz | GERMANY | Deferment Only |
3086300 | Universität Leipzig | Leipzig | GERMANY | Deferment Only |
2331800 | Universität Mannheim | Mannheim | GERMANY | Deferment Only |
3046600 | Universität Osnabruck | Osnabruck | GERMANY | Deferment Only |
3046700 | Universität Paderborn | Paderborn | GERMANY | Deferment Only |
2293500 | Universität Passau | Passau | GERMANY | Deferment Only |
3105800 | Universität Potsdam | Potsdam | GERMANY | Deferment Only |
2226900 | Universität Regensburg | Regensburg | GERMANY | Deferment Only |
3086400 | Universität Rostock | Rostock | GERMANY | Deferment Only |
2181800 | Universität Siegen | Siegen | GERMANY | Deferment Only |
2095300 | Universität Stuttgart | Stuttgart | GERMANY | Deferment Only |
1235300 | Universität Trier | Trier | GERMANY | Deferment Only |
2218600 | Universität Ulm | Ulm | GERMANY | Deferment Only |
3049500 | Universität Vechta | Vechta | GERMANY | Deferment Only |
1233400 | Universität zu Köln | Koln | GERMANY | Deferment Only |
3056000 | Universität zu Lübeck | Lubeck | GERMANY | Deferment Only |
3311700 | Weißensee Kunsthochschule Berlin | Berlin | GERMANY | Deferment Only |
3121800 | Westfälische Hochschule Gelsenkirchen, Bocholt, | Gelsenkirchen | GERMANY | Deferment Only |
858100 | Westfalische Wilhelms - Universität Munster | Munster | GERMANY | Deferment Only |
3119500 | Westsachsische Hochschule Zwickau | Zwickau | GERMANY | Deferment Only |
3060700 | WHU - Otto Beisheim School of Management | Vallendar | GERMANY | Deferment Only |
4168000 | American College of Greece (The) | Aghia Paraskevi | GREECE | Eligible |
2233300 | St. George's University, School of Medicine | St George's University | GRENADA | Eligible |
3974300 | St. George's University, School of Veterinary Medicine | St.George's | GRENADA | Eligible |
1222500 | University of Szeged Albert Szent-Gyorgyi Med. & | Szeged | HUNGARY | Deferment Only |
4021400 | American College, Dublin Limited (The) | Dublin 2 | IRELAND | Eligible |
2611700 | Dublin City University | Dublin 9 | IRELAND | Eligible |
4241200 | Mary Immaculate College | Limerick | IRELAND | Eligible |
1276600 | National University of Ireland, Galway | Galway | IRELAND | Eligible |
1079700 | National University of Ireland, Maynooth | Maynooth | IRELAND | Eligible |
770500 | Royal College of Surgeons in Ireland | Dublin | IRELAND | Eligible |
4261000 | Technological University of the Shannon: Midlands Midwest | Limerick | IRELAND | Eligible |
670400 | University College Cork | Cork | IRELAND | Eligible |
1018800 | University College Dublin, National University of Ireland, | Dublin 4 | IRELAND | Eligible |
684200 | University of Dublin Trinity College | Dublin 2 | IRELAND | Eligible |
3084300 | University of Limerick | Castletroy | IRELAND | Eligible |
914300 | Bar-Ilan University | Ramat-Gan | ISRAEL | Eligible |
2094100 | Ben-Gurion University of the Negev | Beer-Sheva | ISRAEL | Eligible |
2263900 | David Shapell College of Jewish Studies | Jerusalem | ISRAEL | Deferment Only |
401200 | Hebrew University of Jerusalem (The) | Jerusalem | ISRAEL | Eligible |
2196800 | Neve Yerushalayim College for Women | Han Nof | ISRAEL | Deferment Only |
2250200 | Pardes Inst of Jewish Studies | Jerusalem | ISRAEL | Deferment Only |
4070300 | Raphael Recanati International School, The Interdisciplinary | Herzliya | ISRAEL | Eligible |
942800 | Technion-Israel Institute of Technology | Haifa | ISRAEL | Eligible |
837300 | Tel Aviv University | Ramat-Aviv | ISRAEL | Eligible |
2229600 | Tel Aviv University Sackler School of Medicine | Tel Aviv | ISRAEL | Eligible |
1045600 | University of Haifa | Haifa | ISRAEL | Eligible |
2153800 | WUJS Institute | Arad | ISRAEL | Deferment Only |
3380400 | Yeshiva of the United Synagogue of Conservative Judaism | Jerusalem | ISRAEL | Deferment Only |
3102500 | American University Of Rome | Rome | ITALY | Eligible |
2225700 | European University Institute | San Domenico di Fiesole | ITALY | Deferment Only |
3329300 | John Cabot University | Rome | ITALY | Eligible |
990600 | North American College | Rome | ITALY | Deferment Only |
1104400 | Pontificia Universita San Tommaso | Rome | ITALY | Deferment Only |
3078700 | Universita Commerciale Luigi Bocconi | Milano | ITALY | Eligible |
4139100 | Universita degli Studi di Scienze Gastronomiche | Fr. Pollenzo - Bra | ITALY | Eligible |
851200 | University of the West Indies, Mona Campus The | Kingston | JAMAICA | Eligible |
4228700 | Graduate School of Management, GLOBIS University | Tokyo | JAPAN | Deferment Only |
2596900 | Nagoya University School of Law | Nagoya | JAPAN | Deferment Only |
4244400 | Tohoku University | Sendai | JAPAN | Deferment Only |
3410300 | Tokyo Metropolitan University | Hachioji-shi | JAPAN | Deferment Only |
932000 | Waseda University | Tokyo | JAPAN | Deferment Only |
837100 | American University of Beirut | Beirut | LEBANON | Eligible |
4113300 | Lebanese American University | Beirut | LEBANON | Eligible |
2053300 | Centro De Estudios Universitarios Xochicalco | Ensenada | MEXICO | Eligible |
4183900 | CETYS Universidad | Mexicali | MEXICO | Eligible |
671000 | Fundación Universidad de las Américas Puebla | San Andrés Cholula | MEXICO | Eligible |
1041800 | Instituto Tecnologico y de Estudios Superiores de | Monterrey | MEXICO | Eligible |
814700 | Universidad Autonoma de Guadalajara | Guadalajara | MEXICO | Eligible |
1230100 | Universidad Autonoma De Tamaulipas Facultad De | Tampico | MEXICO | Deferment Only |
1093800 | Universidad de Guanajuato | Guanajuato | MEXICO | Deferment Only |
3776500 | Universidad De La Salle Bajio, A.C. | Leon | MEXICO | Eligible |
1067600 | Universidad de Monterrey | San Pedro Garza Garcia | MEXICO | Eligible |
3365400 | Auckland University of Technology | Auckland | NEW ZEALAND | Deferment Only |
1315300 | Massey University | Palmerston North | NEW ZEALAND | Eligible |
4085400 | New Zealand College of Chiropractic | Mt Wellington | NEW ZEALAND | Eligible |
1242100 | University of Auckland (The) | Auckland | NEW ZEALAND | Eligible |
2225300 | University of Canterbury | Christchurch | NEW ZEALAND | Deferment Only |
2156800 | University of Otago | Dunedin | NEW ZEALAND | Eligible |
3727400 | University of Waikato (The) | Hamilton | NEW ZEALAND | Deferment Only |
1207800 | Victoria University of Wellington | Wellington | NEW ZEALAND | Eligible |
2273600 | Queen's University of Belfast (The) | Belfast | NORTHERN IRELAND | Eligible |
2588000 | University of Ulster | Coleraine | NORTHERN IRELAND | Eligible |
1083800 | University of Bergen (UiB) | Bergen | NORWAY | Deferment Only |
839300 | University of Oslo | Oslo | NORWAY | Deferment Only |
3101600 | Asian Institute of Management | Makati City | PHILIPPINES | Deferment Only |
3597300 | Jagiellonian University | Krakow | POLAND | Eligible |
1222300 | Jagiellonian University Medical College | Krakow | POLAND | Eligible |
3784300 | Medical University of Bialystok | Bialystok | POLAND | Eligible |
3333300 | Medical University of Lublin | Lublin | POLAND | Eligible |
4227400 | Uniwersytet Warminsko-Mazurski w Olsztynie | Olsztyn | POLAND | Deferment Only |
3674300 | Abertay University | Dundee | SCOTLAND | Eligible |
3418400 | Edinburgh Napier University | Edinburgh | SCOTLAND | Eligible |
3342300 | Glasgow Caledonian University | Glasgow | SCOTLAND | Eligible |
2545700 | Glasgow School of Art | Glasgow | SCOTLAND | Eligible |
2273900 | Heriot-Watt University | Edinburgh | SCOTLAND | Eligible |
3829300 | International Christian College | Glasgow | SCOTLAND | Deferment Only |
3349400 | Queen Margaret University, Edinburgh | Edinburgh | SCOTLAND | Eligible |
3102800 | Robert Gordon University | Aberdeen | SCOTLAND | Eligible |
3088700 | Royal Conservatoire of Scotland | Glasgow | SCOTLAND | Eligible |
936800 | University of Aberdeen | Aberdeen | SCOTLAND | Eligible |
1086400 | University of Dundee | Dundee | SCOTLAND | Eligible |
683900 | University of Edinburgh | Edinburgh | SCOTLAND | Eligible |
838300 | University of Glasgow | Glasgow | SCOTLAND | Eligible |
846100 | University of Saint Andrews | Saint Andrews | SCOTLAND | Eligible |
1022800 | University of Stirling | Stirling | SCOTLAND | Eligible |
980800 | University of Strathclyde, Glasgow | Glasgow | SCOTLAND | Eligible |
4230700 | University of the Highlands and Islands | Inverness | SCOTLAND | Eligible |
4259500 | University of the West of Scotland | Paisley | SCOTLAND | Eligible |
1008400 | University of Cape Town | Cape Town, 8001 | SOUTH AFRICA | Eligible |
1121400 | University of the Witwatersrand | Johannesburg | SOUTH AFRICA | Eligible |
2493000 | Escuela Superior de Administracion y Direccion De | Barcelona | SPAIN | Deferment Only |
1254000 | Universidad de Navarra | Pamplona | SPAIN | Eligible |
4160900 | Universidad Politecnica de Valencia | Valencia | SPAIN | Deferment Only |
4247500 | Universidad Pontificia Comillas | Madrid | SPAIN | Deferment Only |
3601300 | Universitat Jaume I de Castello (UJI) | Castellon de la Plana | SPAIN | Deferment Only |
3900300 | Medical University of the Americas | St. James Parish | ST. KITTS-NEVIS | Eligible |
2277900 | Ross University School of Veterinary Medicine | Basseterre | ST. KITTS-NEVIS | Eligible |
2244400 | American University of the Caribbean | Cupecoy | ST. MAARTEN | Eligible |
4182800 | Jonkoping University | Jonkoping | SWEDEN | Deferment Only |
988800 | Karolinska Institutet | Stockholm | SWEDEN | Deferment Only |
3274300 | Kungliga Tekniska hogskolan, KTH | Stockholm | SWEDEN | Deferment Only |
1006700 | Lund University | Lund | SWEDEN | Eligible |
671300 | Uppsala University | Uppsala | SWEDEN | Eligible |
1209600 | Ecole Hoteliere de Lausanne | Lausanne 25 | SWITZERLAND | Eligible |
4026300 | École Polytechnique Fédérale de Lausanne (EPFL) | Lausanne | SWITZERLAND | Deferment Only |
1168300 | Franklin University Switzerland | Sorengo | SWITZERLAND | Eligible |
4251800 | Graduate Institute of International and Development | Geneva | SWITZERLAND | Eligible |
937300 | Swiss Federal Institute of Technology Zurich | Zurich | SWITZERLAND | Deferment Only |
946700 | University of Fribourg | Fribourg | SWITZERLAND | Deferment Only |
4144600 | University of St. Gallen (HSG) | St. Gallen | SWITZERLAND | Deferment Only |
2529300 | Chulalongkorn University | Bangkok | THAILAND | Deferment Only |
4192300 | Payap University | Chiang Mai | THAILAND | Deferment Only |
869200 | Leiden University | Leiden | THE NETHERLANDS | Deferment Only |
2276700 | Nyenrode Business Universiteit | Breukelen | THE NETHERLANDS | Deferment Only |
3780300 | Saba University School of Medicine | The Bottom | THE NETHERLANDS | Eligible |
4257100 | Universiteit Maastricht | Maastricht | THE NETHERLANDS | Eligible |
2209500 | Universiteit Utrecht | Utrecht | THE NETHERLANDS | Eligible |
837700 | Universiteit Van Amsterdam | Amsterdam | THE NETHERLANDS | Eligible |
837600 | Vrije Universiteit Amsterdam | Amsterdam | THE NETHERLANDS | Eligible |
845200 | Aberystwyth University | Aberystwyth | WALES | Eligible |
1058900 | Bangor University | Gwynedd | WALES | Eligible |
3377300 | Cardiff Metropolitan University | Cardiff | WALES | Eligible |
1015700 | Cardiff University | Cardiff | WALES | Eligible |
3478300 | Royal Welsh College of Music and Drama | Cardiff | WALES | Eligible |
858600 | Swansea University | Swansea | WALES | Eligible |
3547300 | University of South Wales | Pontypridd | WALES | Eligible |
1234100 | University of Wales Trinity Saint David | Carmarthen | WALES | Eligible |
Is a short sale right for you?
For sellers
A short sale may be worth considering if you’re upside-down on your mortgage, struggling to make your payments and don’t qualify for a loan modification or forbearance. However, if you have equity in your home, selling it through traditional means is typically the better option, since it allows you to walk away with proceeds from the sale.
For buyers
Short sales can be appealing because they may offer an opportunity to buy a property at a lower price. Further, sellers are usually highly motivated to sell in these situations, which could lead to favorable terms or concessions.
Whether you’re a buyer or seller, it’s important to assess your specific situation and needs and understand the benefits and risks of short sales before making a decision.
Short sale alternatives
A short sale isn’t the only option for homeowners struggling to make their payments. Some alternatives to consider include:
→ Loan modification. If you’re struggling with your mortgage payments, consider negotiating a loan modification with your lender. This may involve reducing your mortgage rate or extending your loan term to make your payments more manageable. Contact your lender to learn more about this option.
→ Refinancing. Replacing your existing mortgage with one that has better terms can help make your monthly payments more affordable. However, it can be challenging to qualify for a refinance if you’re already past-due on payments.
→ Deed in lieu of foreclosure. Another way to avoid foreclosure is to voluntarily transfer your home’s title to the lender — this is known as a deed in lieu of foreclosure. In exchange for handing the property over amicably, the lender releases you from your mortgage obligations. A deed-in-lieu will still damage your credit, but the impact isn’t as severe as a foreclosure.
Frequently asked questions
It depends on the lender. Once a bank receives an offer on a home, it can take several months for them to make a decision. When deciding whether to approve a short sale, a lender will review your financial situation to confirm that you’re unable to repay your mortgage.
A short sale can typically take anywhere from three to six months. The extended timeline may be due to the more in-depth negotiation and approval process, especially if you have a second mortgage.
A short sale can negatively affect your credit, though the exact impact depends on your overall credit history. Your mortgage account will show as “settled” on your credit report, and this mark can stay on your credit for up to seven years.
You may still owe money after a short sale. In some cases, the lender may take legal action against you to collect the remaining balance — this is called a deficiency judgment. Some states, including California and Nevada, prohibit deficiency judgments after short sales in specific circumstances.