For those who want to know about which bank gives credit from 18 years of age

Surely many will agree that in young years money is especially needed, because it is at this life stage that a person looks for himself and prepares a platform to realize himself in the future. It is clear that all this requires a fairly serious financial investment, which not everyone has. Where, for example, can I borrow money for higher education? And this is not all the items of expenditure of young guys and girls. Clothing, food, entertainment - they pay special attention to all this. The first thing that comes to mind is to borrow from relatives or acquaintances.

And what if they are not rich too? The only thing left is to borrow money from the bank. However, this is not as easy as it seems. First of all, you need to find out which bank gives a loan from 18 years of age. As practice shows, not all the above-mentioned financial institutions positively solve the issue by learning that the borrower is an ordinary student. And yet, gradually the situation for students in higher education is changing for the better, because at this age many of them are employed and have a stable salary.

Considering the question of which bank gives a loan from the age of 18, it should be noted that the conditions of its provision for young people will not differ from the standard ones.

Lows of credit

Of course, when money is needed urgently, people agree to any requirements for their return. Is it worth it? Or maybe it's better to wait a bit and find something more suitable? Let's understand.

So, the young man found out for himself, which bank gives a loan from 18 years. Having rejoiced in this, he turns to the financial structure, whose employees explain that he can not count on a large amount of money (a maximum of 50 thousand rubles), while the interest rate on the loan is not that small. Obabilovka? Yes, unfortunately, this is so, and the young man can not change anything here: he either agrees to such a proposal, or not. But, agreeing, remember: you will have to pay the bills.

Who offers the most favorable conditions

Let's define with what bank gives credit from 18 years with the most favorable conditions?

Experts recommend, first of all, to get acquainted with the proposals of Sberbank, VTB-24, Raiffeisen Bank, Tinkoff and Privatbank. It should be noted that the first two financial institutions do not have a well-developed loan program - they issue money on individual terms. If we talk about Privatbank, then this structure can provide a loan of 150 thousand rubles for 4 years, subject to 35% per annum.

With special care should be considered the offer of the bank "Tinkoff", which offers only 12.5% per annum. However, at such a low interest rate can hide a whole arsenal of commissions, which it significantly raise.

Documentation

So, what of the documents will it take for a financial institution to approve a loan (cash) from 18 years of age?

It should be noted that in view of the huge competition in the market, each financial structure does its best to fill the list of its customers.

Despite the fact that loans from the age of 18 banks do not give out very willingly, most of them have simplified the process of making the necessary paper for this. If earlier it was necessary to document the solvency of the borrower, now it is enough to present a passport. At the same time, it is necessary to make a reservation that the aforesaid is true for cases when the size of the loan is not too large (up to 30 thousand rubles). If you intend to issue a loan from a bank for a larger amount, it may require you to provide a certificate of income or find guarantors.

Credit offers

Let us analyze the most common proposals for the issuance of borrowed funds. Where can I get a loan from 18 years of age? There are several variants, and its specific features. Study our mini-review in order not to lose with a choice. so...

"Rosselkhozbank"

This financial institution allows you to issue a loan to persons who have reached the age of majority of up to 1 million rubles. It should be noted that the loan period can vary from six months to five years. The minimum interest rate is set at 12.5% per annum, and the maximum - at 18% per annum, at the same time it depends on the time period for which you took the money in debt. To provide a loan in the amount of up to 300 thousand rubles you need to find a surety.

Sberbank

The aforementioned financial structure conducts a fairly strict selection of borrowers, and the chances of obtaining money in debt for students are relatively small. Young people who applied to Sberbank for a loan, must necessarily find guarantors, and this should be relatives. It will also require a certificate of income not only of the borrower, but also of the guarantors. The amount of borrowed funds can be up to 3 million rubles. They will have to return in 5 years. The minimum interest rate is 16.5% per annum, the maximum - 24.5% per annum.

GE Money Bank

This bank issues a loan of up to half a million rubles to persons from 18 years of age. It will be necessary to return this money after 5 years.

The minimum interest rate is 19.9% per annum, the maximum interest rate is 24.5% per annum. Only girls can apply for such a loan. Yes, these are the limitations.

"Russian standard"

This banking institution issued a credit card "Student" specially for young people. Maximum can be obtained up to 150 thousand rubles, subject to 29% per annum.

By the way, there is a grace period. To issue the above banking product, a young person must submit a certificate of scholarship or the amount of salary.

Conclusion

Of course, a huge number of boys and girls are puzzled over where to get a loan. 18 years is not a reason to give up such an opportunity, especially in a situation where money is needed as air. However, you should seriously analyze your financial potential and calculate in advance whether you will be able to make timely payments on the loan. If not, then this idea should be abandoned, so as not to fall into debt bondage.