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Sperm Banking Loans

It often happens that the male patient’s state of health does not allow taking of male seminal fluid directly on the day of the IVF procedure. In this case, doctors resort to the freezing of sperm using cryotechnology.

      Today, semen cryopreservation (also known as sperm cryobanking or sperm banking) allows solving this problem and many others. Scientists around the world unanimously declare that it is possible to freeze male sex cells without causing them harm.

      If not to go into details, then we can say that the cryopreservation of sperm is a special method of preserving the male biomaterial (spermatozoa), during which there is an instant freezing, storage and defrosting of the male germ cells.

      The effectiveness of cryotechnology for storing sperm is confirmed by the fact that throughout the world, a huge number of women have been fertilized by defrosted germ cells.

What is a sperm banking loan?

      Sperm banking loan is a personal loan used to pay for semen cryopreservation. In pursuit of a career, men completely forget about the boundaries of health, and when finally there is time to start a family – the moment is already lost. That is why sperm banking in time is a wonderful solution of the problem. And if you do not have enough money, a sperm banking loan will help you in this case.

How much does sperm banking cost?

      The total cost of semen cryopreservation depends on your medical office, the number of collections you want to make, and any additional tests you may need. Here are the approximate prices:

  • Consultation for sperm banking. Consultations usually cost from 100 to 160 dollars, depending on the clinic.
  • Sperm analysis. You can expect to pay between 150 and 175 dollars per sample. Medical professionals usually recommend freezing at least two samples if you are undergoing chemotherapy or radiation therapy. Often there are six samples, more if you have a low sperm count.
  • Sperm freezing. It usually costs around 200 dollars, although sperm banks often combine sperm analysis, freezing and washing.
  • Blood tests. Sperm banks usually charge between 150 and 200 dollars for a blood test. It usually covers HIV, syphilis, and hepatitis B and C.
  • Storage. You will need to pay from 50 to 80 dollars per month for storage or about 500 dollars per year. Frozen sperm can fertilize an egg after more than 10 years of storage.
  • Defrosting. Sperm thawing can cost from 25 to 75 dollars.

How can you pay for sperm banking?

      You can take out a personal loan to pay for sperm banking. Personal loan is a type of loan that you can find in almost every credit institution.

      Personal loans can be targeted and general.

      Targeted loan is granted for certain personal needs, for example, sperm cryopreservation. It has its own features:

  • Issued funds cannot be spent on anything other than a service for which a loan is taken. The bank, as a rule, transfers funds to the account of the organization where the service is purchased. If the money is handed out to the customer, the bank requires confirmation of the targeted expenditure of funds.
  • The bank has the right to request a guarantee or to provide money on the security of property, this applies to expensive loans.
  • For a bank, a targeted loan is the most reliable form of lending; therefore, such a loan is granted more often than others. In due time, the bank will check both the reliability of the payer and the organization that provides the service. If the organization is convicted of fraud or other offenses, the bank will refuse to loan.
  • If the money is withdrawn in any way and spent for other purposes, the client is subject to penalties, which means repaying the loan early or paying a penalty.

Personal general loan, as the name implies, is granted by the bank regardless of what you decided to spend the money on. In this case:

  • When filling out a loan application form, the bank asks to indicate how the borrower plans to use the funds, but does not control spending.
  • The amount is transferred to the card and is not limited to the scope of purchases, or the money is given out to the client without any conditions, except for the time of the debt repayment.

      The bank also wins a high interest rate. So, when signing the contract, it may turn out that the final rate is higher by 2-3% than the initially stated rate. Thus, the bank compensates for the client’s refusal to insure a loan and puts the borrower to a choice – insurance or interest rate.

Who should consider sperm banking?

      Most often, the procedure for freezing sperm is needed in one of the following cases:

      1. A man for certain reasons does not have the opportunity to be physically present in the clinic on the day of the procedure of artificial insemination. In this case, the delivery of the ejaculate with its subsequent freezing is carried out in advance.

      2. When a spermogram is taken, a man has any problems: low sperm motility, insufficient number or significant deviations in morphology (structure). In this case, the man has to donate the ejaculate at least 2-3 times over the course of several weeks in order for the doctors to have the opportunity to select “high-quality” spermatozoa from the material provided for subsequent fertilization.

      3. The patient has a treatment with chemotherapy drugs for oncological ailments or a serious surgical operation on the genitals that may lead to disruptions in the reproductive system in the future.

      4. A man is planning the birth of long-awaited offspring in the future and wants to insure himself against loss of fertility in case of various injuries and diseases.      Numerous studies have shown that male sperm cells are much better than, for example, eggs, endure the process of freezing and thawing and at the same time do not lose their functional qualities. Cryopreservation of sperm is the certainty that no life circumstances can affect the ability of a man to acquire a long-awaited heir in the future.

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