2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Actual problem of lack of funds for young people has recently been solved very simply.
Previously, many banks issued loans only when the borrower reached the age of 25. Now this bar has been lowered, and credit funds can be obtained as early as 18 years old. At the moment, various banks offer a youth loan, which is characterized by a not too high amount, but it is quite enough to buy a new phone or a stylish blouse. Typically, banks offer such a type of program as a loan on credit cards. Almost all credit cards have one important property in common - they have a grace period during which previously withdrawn funds can be put on the card without overpayment for interest. Also, almost all cards have very low annual rates.
Youth credit cards
Sberbank of Russia has become the first financial institution to undertake to ensure the financial future of our youth. It was he who first understood the benefits of this enterprise, besides, he had all the conditions for providing such loans. Who can get credit cards? Sberbank of Russia will be happy to provide itsservices to any citizen of the Russian Federation. But each program has its pros and cons. All the necessary information regarding an institution such as Sberbank of Russia (credit cards, conditions, etc.) can be found on various information resources. And you can go to the nearest branch, where bank employees will answer all your questions. But, in principle, the conditions for obtaining a loan are the same in many institutions. And yet, let's pay attention to some nuances.
How to get credit cards? Sberbank of Russia puts forward the simplest conditions
To obtain such a loan, the age of the borrower must be from 18 to 30 years. In addition, a prerequisite is the provision of income statements confirming the client's solvency. For this, young people do not need to have an official place of work, they just need to go to the dean's office and take a certificate of scholarships for the required period. This will be a guarantee of the return of credit funds to the bank.
The card is valid for three years, after which you can either throw it away or order a new one. In case of timely repayment of debts, the bank may raise the credit limit or reward the borrower in some other way. Such an incentive can be a gold credit card of Sberbank of Russia with a high limit and low interest, it is issued after the expiration of a regular credit card. The card limit does not exceed 200,000 rubles, but for starters, as a rule, they provide a loan of 3,000 rubles. It all depends on the amount of the scholarship.- for students - and on the level of income - for a person over 24 years old. Annual interest rate - 24% plus 750 rubles for servicing the card per year. But there is also a positive point - a grace period for repayment (50 days).
We issue credit cards. Sberbank of Russia: benefits
This type of program is especially good when you have to pay in boutiques and supermarkets, because there are no commissions for such payment. While the withdrawal of bank credit funds through ATMs is usually accompanied by a commission of 3%. A youth loan really helps the eternally poor students, and the bank in any case receives its interest, even if it is not high. Therefore, after Sberbank, many commercial banking structures also launched lines of credit cards intended exclusively for young people. Thanks to today's diversity, young people no longer have to make do with Sberbank alone. They can choose the best option and order a card from the financial institution they like.
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