Loan programs for students in Russian banks are extremely rare. But nevertheless they are. The reasons why banks do not favor students are rooted in the lack of regular income, as well as a credit history.
It is necessary
- - passport;
- - student ticket;
- - certificate of the amount of the scholarship;
- - certificate from the place of work.
Instructions
Step 1
In most banks, the minimum age limit for obtaining a loan is 21-23 years, i.e. credits are only available to undergraduate students. And at the same time, it is required to confirm their own incomes, which are often irregular among students. But there are also exceptions. For example, Sberbank offers young people aged 18 and over to apply for a credit card or consumer loan. A credit card allows you to get a credit limit in the amount of 3 to 200 thousand rubles. You will need to pay 750 rubles for the card. per year for maintenance, and for using a loan (outside the grace period of 55 days) - 24% per annum. You will need to confirm your own income with a certificate of the amount of the scholarship and / or salary documents in the form of 2-NDFL / bank form. Sberbank also offers to arrange a loan
"Respect for success" in the amount of up to 1.5 million rubles. At the same time, for borrowers over 21 years old and taking an amount of less than 750 thousand rubles. no parental surety is required.
Step 2
In general, consumer loans for students are extremely rare, but there are credit card programs. So, at Tinkoff Bank, students aged 21 and older can get a MasterCard Platinum card. Proof of income is not required to receive it. The card has an interest-free crediting period of up to 55 days for payments for goods and services by bank transfer. The maximum credit limit is 300 thousand rubles.
Step 3
You can also apply for a Student Credit Card at Orient Express Bank. It is available to university students aged 19 and over. The credit limit on the card is quite small - up to 20 thousand rubles.
Step 4
The Bank of Moscow has a special credit card for students aged 19 and older - Ice. Proof of income is not required to receive it. You only need to provide a passport and a certificate from the institute or student ID. The credit limit on the card is limited (from 10 thousand rubles). But if the student is able to confirm his income for the last 6 months, he can be increased to 300 thousand rubles.
Step 5
Access to consumer loans is open to students with a steady source of income, which they can document. Such loans, in particular, are issued to young people from 18 years old by MKB, Modern Commercial Bank, Ji Money Bank, MTS-Bank.
