Current youth problem of shortage of funds has recently been solved very simply.Previously, many banks issued loans to a borrower reaches 25 years of age.Now this rod is reduced, and credit facilities will be ready in 18 years.Currently, banks offer a variety of youth credit, which is characterized by not too high a sum, but it is enough to buy a new phone or a stylish blouse.Usually banks offer a variety of programs such as the design of the loan on the credit card.Almost all credit cards are united by one important feature - they present a grace period in which funds can be removed before putting the card without an overpayment of interest.Also, almost all of the cards are very low annual rates.
Youth credit card
Sberbank of Russia became the first financial institution holding the money to ensure the future of our youth.It was he who first realized the benefits of the enterprise, to the same conditions for granting such loans he had.Who can get a credit card?Sberbank of Russia is happy to provide its services to any citizen of the Russian Federation.However, each program has its pros and cons.All necessary information concerning such institutions as Sberbank of Russia (credit cards, and other conditions.) Can be found on all kinds of information resources.And you can go to the nearest branch, where the bank's employees will answer all your questions.But, in principle, the terms of the loan are the same in many institutions.Still, pay attention to some nuances.
How to get credit card?Sberbank of Russia put forward the simplest terms
To obtain such a loan the borrower's age must be between 18 and 30 years old.In addition, it is imperative to provide information on incomes, supporting the customer's solvency.To this end, young people do not necessarily have an official place of work, you need only go to the dean's office and get a certificate of the assessment required for the scholarship period.This will guarantee the return of loan funds to the bank.
card is valid for three years, after which it can be either dropped, or order a new one.In the case of timely repayment of debt, the bank may raise the credit limit or somehow different to reward the borrower.Such encouragement could be a gold credit card of Sberbank of Russia with high limit and low interest, it is made on expiry of the usual credit cards.Card limit does not exceed 200 000, but for a start, as a rule, provide a loan of 3,000 rubles.It all depends on the size of the scholarship - for students - and the level of income - for a person older than 24 years.Annual interest rate - 24% plus 750 rubles per card service per year.But there is a positive thing - a grace period (50 days).
We make credit card.Sberbank of Russia: advantages
This type of program is especially good when you have to pay in boutiques and supermarkets, because the Commission in such a calculation is not charged.While the withdrawal of bank credit funds from ATMs is usually accompanied by a 3% commission.Youth loan ever really helps poor students, and the bank in any case derives its interest, albeit low.Therefore, after Sberbank many commercial banking institutions have also launched a line of credit cards designed exclusively for young people.With today's diversity, young people no longer have to manage alone Sberbank.They can choose the best option and order a card you like in the financial institution.
