I'm sure many will agree that the early years are particularly needed the money because it is at this stage of life a person seeks himself and prepares a platform to realize themselves in the future.It is clear that all this requires a fairly significant financial investment that not everyone has.Where, for example, take the money for higher education?And that's not all expenditure young boys and girls.Clothing, food, entertainment - all that they pay special attention to.The first thing that comes to mind is to borrow from relatives or friends.
And what if they, too, are not rich?Only one thing - to borrow money in the bank.However, this is not as easy as it seems.First of all you need to know which bank gives a loan to 18 years.As practice shows, not all of the above financial institutions positively solve the issue, recognizing that the borrower - a regular student.Nevertheless, the situation is gradually changing for the students of universities for the better, because at this age, many of them get a job and have a stable salary.
considering the question of what the bank gives a loan to 18 years, it should be noted that the conditions of his youth will not be any different from the standard.
Cons lending
Of course, when the money is needed urgently, the people agree to any demands for their return.Should we do it?Or, perhaps, it is better to suffer a little bit and find something more suitable?Let's deal.
So, the young man found out for myself what the bank gives a loan to 18 years.Relieved that he goes to the financial structure, whose staff explained that a large sum of money, he can not count (up to 50 thousand rubles), while the interest rate on the loan - not so small.Obiralovka?Yes, unfortunately, it is so, and the young man to change anything here can not: he either agrees to the proposal or not.But, you, remember: you would pay the bills.
who offers the most favorable terms
Let's define with what the bank gives a loan to 18 years, with the most favorable conditions?
experts recommend, first of all, to get acquainted with the proposals of the Savings Bank, "VTB 24", "Raiffeisen Bank", "Tinkoff" and "Privatbank".It should be noted that the first two financial institutions have well-designed programs of the loan - they give money to individual conditions.If we talk about "Privatbank", this structure can provide a loan in the amount of 150 thousand rubles for 4 years, subject to 35% per annum.
Special care should be considered an offer of the bank "Tinkoff", which offers a total of 12.5% per annum.However, for such a low interest rate may be hiding an arsenal of commissions that it will raise significantly.
Documents
So, what of the documents required to the financial institution approved credit (cash) with 18 years?
should be noted that due to the huge competition in the market, each financial structure makes every effort to add to the list of its customers.
Although loans with 18 banks issue too readily, most of them still has simplified the process of obtaining necessary for this market.Whereas previously it was necessary to document the solvency of the borrower, now it is enough to present a passport.However, it is necessary to mention that the above is true for cases where the loan size is not too large (up to 30 thousand rubles).If you intend to arrange a bank loan for a larger amount, it may require you to provide information on income or to find guarantors.
Credit offers
analyze the most common proposals for the issuance of debt.Where can I get credit for 18 years?Several options and ukazhdogo its features.Explore our mini-review in order to not to lose a goal.So ...
"Rosselkhozbank"
This allows the financial institution to issue credit to persons who have reached the age of up to 1 million rubles.It should be noted that the term of the loan can range from six months to five years.The minimum interest rate is set at 12.5% per annum, and the maximum - 18% per annum, while it depends on for how long you took the money in debt.For a loan in the amount of 300 thousand rubles to find a co-signer.
Savings
above financial structure was sufficiently rigorous selection of borrowers, and the chances of getting into debt for students is relatively small.Young people who turned to the Savings Bank for loan, should be required to find a guarantor, and this should be related.You will also need a certificate of income is not only the borrower but also the guarantors.The size of borrowings may be up to 3 million rubles.They will have to return in 5 years.The minimum interest rate of 16.5% per annum, the maximum - 24.5% per annum.
GE Money Bank
The bank shall issue to persons 18 years of a loan of up to half a million rubles.Return the money will need to be at the end of 5 years.
minimum interest rate of 19.9% per annum, the maximum - 24.5% per annum.Making such a loan can only girls.Yes, there are limitations.
"Russian Standard"
This banking institution specifically for young people issued a credit card "Student."The maximum you can get up to 150 thousand rubles, subject to 29% per annum.
By the way, there are a grace period.For the issuance of the above-mentioned banking product young person must submit a certificate of scholarship or salary.
Conclusion Of course, a huge part of young people are scratching their heads over where to take the credit.18 years - is not a reason to abandon such a possibility, especially in a situation where money is necessary as air.However, you should seriously review your financial capacity and calculate in advance whether you can make timely payments on the loan.If not, from this idea should be avoided, not to get into debt bondage.
