The need to take out money on credit can arise as early as eighteen years old. However, not all banks are ready to meet yesterday's schoolchildren halfway. Therefore, you need to know how you can increase your chances of getting a loan.
Instructions
Step 1
Find out in which banks give loans from 18 years old. In many large financial institutions, for example, Sberbank, the minimum borrower age is 21 years. However, most small commodity loans are provided by banks and eighteen year olds. Rosselkhozbank, Tinkoff Credit Systems and Petrokommerts Bank can be cited as examples of banks loyal to a young age of borrowers. You can get information about the requirements of a particular bank on its website, in the section for future clients. You can also call the bank's call center and find out about everything from the operator.
Step 2
To obtain a loan, you must be employed. If you do not work, then you can only get some types of loans, for example, educational (with the involvement of parents as co-borrowers).
Step 3
Prepare the necessary documents for obtaining a loan. In addition to your passport, get a certified copy of your work record book and income statement at your place of work. It is advisable for a man to show his military ID, as banks are afraid to issue loans to people who can be taken into the army at any time. It should contain notes about unfitness for service or formally received deferrals.
Step 4
Come to the selected bank with all the documents and fill out the loan application form. In it, indicate your passport details, place of work and salary level. Try to impress the loan officer as an adult and responsible person. Upon approval of your application, conclude a lending agreement with the bank, having previously carefully studied its text.
