Students are a risk category of citizens for banks, as well as pensioners, unemployed, and unofficially working citizens. Not all banks go to such a deal, as students in most cases do not have stable work and respectively income.
In our article we will tell you how to take a loan, without having work.
This will protect the lender, but will not always be beneficial for the student, since the high interest rate involves a high monthly payment, which may be unbearable for a non-working student.
Therefore, the student should count on a small loan in the area of 100 thousand rubles. This approach is observed in almost every bank.
The bank is much easier to refuse a student’s loan than to go to risks. Because most of the students expects only a scholarship when the question concerns the loan payment. And in this case, a good credit history will be a useful tool. The bank will be easier to appreciate the solvency and conscientiousness of the student’s client, and the chance of obtaining a positive decision is much higher.
He who does not want to take microloans can make a credit card with a small limit. This will contribute to the positive credit rating if there are no debts on such a map, and the student will actively use it.
There is no universal solution in this matter. Banks are individually suitable for this issue, so each of them creates its own terms and puts out the requirements for such clients.
Despite the high risks, trying to try everything. To do this, contact the bank and leave the application, then provide all the necessary documents. In case the student receives a scholarship or other type of income, it is worth indicating this in the application for a loan.
It is possible that the student has real estate: a room or share in an apartment or house. She, in turn, can be the subject of pledge, which is very appreciated by banks. So the risks of banks are reduced, and the student gets the opportunity to get the desired amount of funds.
You can get a loan to a student without income, but banks are more inclined to solvent customers.
If you have any problems with obtaining a loan, you can refer to the credit broker, which, in turn, will help get a loan, even without confirmation of income.