How to get a bank loan in 18 years

Modern reality is such that young people want to stop depending on their parents as soon as possible, for example, they do not want to take money to buy a new phone. And some young men and girls are even trying to open their small business. Yours have always needed money, but not always there, where to take them. Is it possible to take a loan in a bank of 18-year-old?

As practice shows, most banks establish the minimum age for the borrower - 21 years. Nevertheless, some of them are already beginning to issue loans to borrowers, starting from 18 years. At the same time, it is necessary to be prepared that the interest rate on loans from 18 years will be significantly higher than for standard loans from 21 years - so banks are trying to minimize their risks. Almost all banks issue youth loans only if there is a guarantor from a borrower. It may be any adult person who will act as a guarantor of the return of the loan.

In order to take a loan, you need to find such a bank. The list of banks is not particularly large, but from the suggested below you can choose the most suitable you. Rosselkhozbank issues loans to 1 million rubles at a rate of 12, 5 - 18%. The rate will depend on the term of the loan, which can be from 6 months to 5 years. If the eighteen-year-old borrower wants to get the amount within 300 thousand rubles, he needs to enlist the support of one guarantor. If more than 300 thousand rubles - two guarantors.

Sberbank of Russia also issues loans from 18 years, ranging from 45 thousand rubles and ending with 1 million rubles without guarantors. The interest rate also ranges from 16.9 to 23.9% and the Bank requires the implementation of some conditions: official work experience at least one year and the availability of income references during work.

"Ji Mani Bank" issues loans to 500 thousand, starting from 18 years. The bank does not require guarantors and certificates of income, but he lays their risks to a percentage rate that can reach 49.9%. At the same time, only a girl can be an eighteen-year-old borrower, you will wait for you to wait until they are 21 years old.

Under the minimum percentage in any bank, you can get the minimum amount, usually about 30,000 rubles. Get the same amount and at the same time significantly reduce interest rate, if you offer real estate as collateral. A young man may well be an apartment or a house that parents or grandmother have issued on him.

It turns out that in 18 years it is quite possible to take a loan. Competition in the credit services market forces many banks to go on the credit lines not too reliable for them, which lending from 18 years. Do not be lazy to explore the official websites of all banks located in your settlement. Surely you will find several banks that give loans from 18 years. Apply for all credit organizations. After receiving several positive answers, choose yourself that bank that will issue you a loan on favorable conditions for you.