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Sooner or later most of us will be in a situation where we as students just do not have any money – either because we have just got our first job or because we have to move. It is therefore not abnormal that young people today use the opportunity to borrow money in order to make everything work together.

However, there is much to think about and many considerations to be made when borrowing for the first time. Not only do you need to get the best and cheapest loan, but also make sure you have the means to repay the loan every month.

But don’t worry. We see no reason to make things more complicated than they need to be if you have considered taking a loan as a young person. We look at how you should relate when you first borrow a loan.

You can easily borrow as young

Although it can no doubt be harder to take out a loan if you have just become an adult, there are still several different options when you want to borrow a loan. As a student, your cheapest choice will most likely be a SU loan that you will first have to pay back when you finish your education. An SU loan gives you a fixed amount each month, but it is, however, a prerequisite that you already receive the regular SU rate.
Besides the SU loan, there are many other options depending on which provider you choose of course. In any case, you must first and foremost find out how much you need to borrow. There is no need to borrow more than most necessary, as you would simply depend on a lot of interest in the future. More importantly, you make sure you have the economy to pay off the loan every month. A late payment can result in a fine, but if you miss your monthly payments, it can have a big impact on you – and unfortunately, not all young people discover this in time.

You can borrow it for that

There are many myths about loans, and it’s a shame. There are many allegations that say that one must absolutely document what the loan is to be used for. This is usually the case only if you choose to take out a loan in a bank. If, on the other hand, you find a good offer for a loan on the web, you can easily refrain from specifying what you need to borrow – in the vast majority of cases you can still expect that you are not even asked to provide it. So even though a bank loan is a bit cheaper in most situations, you get more freedom when you borrow online.

Remember to look at interest rates

When you have to start borrowing, there are many things to keep track of, and it is easy to be overwhelmed and forget to read all the small items written in small print. However, we cannot emphasize the importance enough by thoroughly familiarizing himself with his loan contract so that you are exactly aware of what you are going to do.

How do you find the cheapest loan? The easiest way to do this is to use one of the many tools available online for free. These tools are usually called loan calculators and give you a complete list of all loans where you are likely to be granted the loan immediately. Here you can also see the total price of each loan, so you are aware of how much you need to spend.

The most important thing to look for is the interest rates. All loans come with interest, so if we take the consumer loan as an example, it is important that you find out the exact interest rate on consumer loans . The provider is obliged to inform you of all the costs of each loan, so once you have found the loan with the lowest interest rate, you can usually be sure that you have also found the cheapest loan.

Record a loan with an interest-free period

As with credit cards, today you will find some loan providers that offer loans with an interest-free period. This period can range from anywhere from 1 to 9 months, sometimes longer. The interest-free period basically means that you do not have to pay interest on the loan. This almost always results in a much cheaper loan. However, you must still make sure that the interest rates are not towering in the period when you have to pay interest on the loan.

Although it is rare, it is thus possible to find a loan with an interest-free period that is actually more expensive than an ordinary loan with interest – simply because the interest rates are so high when the interest-free period is over.

No credit rating? No problem

If you have just become an adult, you are likely to have no credit report yet. Although this may make it harder for you to start a loan at first, it’s a great start and it’s important that you make sensible choices from now on!

There are many things that can improve your credit rating, and most actions do not require you much. Did you know, for example, that you can improve your report by simply voting when there is a choice? Other ways to build a credit rating are by creating a mobile subscriber that you pay on time. To make sure you get a good credit rating, it is extremely important that you pay off all the bills on time – as it will otherwise appear on your report.

However, if you struggle to get your credit report on the track, don’t worry. It may take some time. In the meantime, we recommend that you examine whether you are eligible for SU where your credit report is not considered.

What are Eni Employees Loans?

Loans to Employees of ENI are forms of Funding reserved for employees of this company who are assessed as Para-public Employees . Thanks to the agreements that apply, they can apply for a subsidized loan, lowering interest and obtaining more liquidity.

Available Loan forms are:

• Personal Loan
• Employee loans
• Delegation of Payment
• Mortgages

What are Para-public Employees? What advantages do the Loans to Employees of ENI have?

Para-public Employees are workers belonging to Private Companies that are held in a certain percentage by the State. As for Loans, ENI Employees have practically the same benefits as Public and State Employees. The Loan will also be payable to Employees hired by a few months with a permanent employment contract, also have the right by law to obtain a Salary Fifth Transfer and in some cases, also the Loan with Payment Delegation (depends on the employer of work that may not accept a second payroll deduction).

What is the Cession of the Fifth? What is the Payment Delegation?

The Cessione del Quinto is a special form of non-finalized Personal Loan reserved for Employees (Ministerial, Public and Private) and Pensioners (former Public or Private Employees).

A fundamental characteristic that differentiates the assignment of the Fifth from the other technical forms of Loan is the particular repayment method, which provides for the direct involvement of the Employer / Pension in the payment to the bank providing salary / pension shares withheld from the customer on a monthly basis. In order to increase the net payable to the customer, the Delegation of Payment is assimilated to the assignment of the fifth, a type of loan that can be granted only to employees of the Ministry, Public and Private.

The assignment of the fifth is a right of the employee to whom the employer can not object . Instead the Delegation of Payment requires the consent of the employer . Summarizing, with the transfer of the fifth you can commit your monthly salary with a maximum payment of 20% and with the Payment Delegation you can take advantage of another installment of 20% of salary. For a total of 40% of the net salary. In this way, large sums of cash can be obtained (also with current mortgages or reports as bad payers).

In Bulgaria, the most widespread form of micro-credit is borrowing from relatives, relatives and friends. While at first glance this is the safest option, it hides a bunch of underwater stones that you believe, you do not want to go to the surface.

Why borrowing from a relative is not preferable

Relationships

One of the things we risk ruining when we want, for example, 300 leva borrowed from a friend or relative is our friendship and even a family relationship.

Of course, this is not a mandatory scenario, but there are not one and two cases where such a sum ruins 10, 20, that 30 years of friendly relations, including exacerbating relations with relatives.

Service service

Do not forget that while you do not pay your relative’s money for the money when you ask him to lend you, then you owe a service. When someone helps another person for free, it makes sense to return the gesture.

However, this service may be far more salty than predicted and you realize that we are right that a borrowing from a relative is not a good idea.

Everyone has plans

Among the unpleasant aspects of looking for urgent money from acquaintances, relatives and relatives is that you can spoil their financial plans. In this way, you are also attracted by other people who are also beginning to feel the negative effect. Sooner or later, this leads to confrontation due to the exacerbated situation.

Moral Debt

Your relatives can provide you with the necessary means, but often this is not something they do willingly, but rather perceive it as a duty to you as relatives.

Systematic abuse of a demand for money borrowed slowly and slowly can cool your relationship with a person, and he is already associating you with a financial burden rather than a happiness to see you. The sense of tact and approach here can always save the situation at a critical moment.

Opportunities

With the help of credit organizations such as CashCredit, you can now get online credit within minutes, at very advantageous terms.

Why bother others with their problems? Why should your parents think that you can not do it yourself, but just ask them for money? Handle yourself to the problem and prove yourself as a responsible person, not a motherfucker.

Do you want to be self-sufficient? Do not you want to pray to relatives and relatives? Do you have the dignity you hold on? CashCredit is for people like you – courageous, decent and self-sufficient, who solve their problems by themselves.