Prêt étudiant: comment emprunter jusqu'à 20 000 euros sans garant ?

Student loan: how to borrow up to 20 thousand euros without a guarantor?

There are tricks to allow students to get a loan without a guarantor. Many banks offer loans of up to 20,000 euros.

Several tricks allow students to get a loan from the bank without a guarantor. The amount can be up to 20,000 euros. MCE TV tells you everything from A to Z!

More use of loans

Every year, thousands of students have to find ways to finance their studies. In fact, it is very expensive and not everyone can afford it.

So some do small jobs to be able to pay for their studies. But sometimes this is not enough. This is how some do bank loans. These loans allow them Financing tuition fees and rent. But also shopping and transportation costs.

This is a real payment for students, who must repay it within 5 years after the end of their studies. but how ? exist Many options to do.

For example, students can choose to make their monthly payments once the credit is opened. This option may be applicable if The student is in a work-study program and therefore receives a wage.

All students can benefit from it. All you have to do is stay in France for five years, and Obtaining a diploma or was selected for the competition of French higher education. Next, you need a student card or school certificate to prove your status.

But getting these popular loans quickly becomes complicated. Therefore, banks offer a student loan without a guarantor and up to 20,000 euros. MCE TV tells you more!

How to borrow without a guarantor while you are a student?

The start of the school year is slowly approaching. Therefore, some students are looking for a loan that will allow them to finance their studies. Only, not everyone has a guarantor to reassure the banks and thus release the loan.

Therefore, some banks offer Student loan with government guarantee, allowing you to borrow up to 20,000 euros. In fact, since 2008, the state guarantees, Through BPI France, loans to thousands of students.

In 2021, about 16,000 loans were guaranteed by the state, twice as much as in 2020. For 2022, the total envelope allocated to banks amounted to about 450 million euros. At the end of May, 4,800 loans had already been granted.

But how does it work? It’s actually quite simple. These loans, which can be up to €20,000, have a partial or total grace period of two years to a maximum of 10 years. The student must also be under 28 years old. Finally, it must be French or from an EEA country.

If all of these conditions are in effect, then all you have to do is go to one of the banks that offer this type of student loan. There is, in a non-exhaustive way, Crédit Mutuel, CIC or Caisse d’Epargne.

Therefore, each bank decides according to these criteria whether to accept or not. If this is the case, the lending bank sets the credit rate. He then directs BPI France to guarantee student loans granted by partner banks.

These loans are facilitated by the state and granted throughout the year. So the student can Apply for a loan from January 1 to December 31.

But beware, there are a limited number of loans granted. It is better to do this in advance!

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