How and where on earth do you currency contained by US Savings bonds?
Question:
Answers:
You can take any bond to any us dune and cash it within. You just hold to be the owner or the benificiary on the bond, and it has to be elder than 6 months
Just go to the wall. Cashed one the other day/
Take them to any Bank, they will handle it for you.Nuf Said
At the mound. You usually have to continue 'til they mature to get hold of their full amount (usually a couple of years after purchase) but you can get their buying price if you turn them surrounded by early. Example, a $100 bond is bought for $50, if you currency it early you'll find $50 rather than $100. Don't forget they're also taxable, you hold to report them as miscellaneous income on your next rates return. Just bring them to a teller and ask for relief cashing them in, they'll enjoy you sign them and give you bread.
As long as the bonds are yours, take them contained by to your bank, next to proper I.D., and a teller will assist you cash them surrounded by.
What is the required credit ranking to achieve an approval for a mortgage?
Question:
For a conventional mortgage, what should your credit score be? How low can it budge for an aproval on a conventional mortgage?
Answers:
it depends on the lender. My parents just bought a home trhough countrywide and when they be doing the contract the man stated that the will not let you do a contract if your ranking is not at least 600. The difficult the score he better the interets rate but in attendance are people who will lend you at beneath 600. Also FHA go more on your end 12 months of pay histiry that your credit gain. All depends on the lender
i would think you could capture one with a bleak rate with a 620 but you obligation at least a 700 to win a good rate
I know that near may be mortgages that take lower than 620 scores- but you clear more for them. You can get a pre-approval epistle where your credit is checked and later you will know how much of a mortgage you qualify for. I can refer you to someone.
500 - 800
the higher your credit ranking the better the interest rate that you will be able to catch.
For more information on credit scores jump to http://www.how-is-your-credit.info/...
How do you procure rid of credit problems that are more than 7yrs elderly?
Question:
My credit SUCKS because of some problems I had beside credit cards about 7yrs ago and it haunt me today. I always thought after 7yrs they could not try to collect.
Answers:
Well, you could walk to the 3 major bureaus on splash (transunion, Equifax and Experian) of which your entitled to a free credit report annually and dispute them all. The likelihood are that the older ones will not enjoy the paperwork to back it up. However, near is no statue of limitations un the FCRA for debt. As long as the companies keep updating the information to the bureaus next they have the right to hold on to trying to collect the debt.
The 7 years is from the date of last amusement.
Was there any movement on these debts? Did you contact them or attempt to pay?
If so, this starts the 7 years over.
keep on three more years and they will automaticly come off your store
It also depends on what state you live in,, jump to search and put surrounded by statue of limitations, you will find your state and also explains date of last contact.if you nose-dive into the guide lines then they are harassing you
You thought incorrectly. They can attempt to collect until the hours of daylight you die, and then they can hound your estate as very well.
The statute of limitations on debt collection (which vary from state to state) ONLY apply to the propensity to seek a official judgment to collect the debt. However, the expired SOL does not cause the debt go away.
Furthermore, the credit card firm may flog your debt to an outside collection agency for pennies on the dollar. When that happens, your seven year credit folder love affair starts all over again.
Get prized tips on bad credit from http://moneymentor.cashmatter.info... . It's a immensely useful website.
Any proposal on paying rotten student loans promptly?
Question:
Answers:
A second part-time assignment whose revenue goes strictly to shrink the debt until it is gone.
this is about the singular one i can offer: dont filch out any!
go penniless
landscaping companys foot alot
get a full time position as a landscaper over the summer
ull probably make around $7000 contained by 2 months
Yes, I got a second available job that is seasonal. It help to get those suckers compensated off because you never know when you will be out of work. You could be let go, become ill or win in a vehicle accident and coming up near the money for that loan (which never goes away even contained by bankruptcy) can really screw you up. On the other hand, working 7 days a week simply eats into your life span.
Get a good career!!
No really- make sure you won't be penalize for paying it off untimely. My husbands student loan is 8 yrs old and we still reward $87/mo because to pay it stale early would cost THOUSANDS of dollars Do your research- internet bill retribution is free-slightly inconvienient to still be paying but its worth the thousands!!
Just make extra payments. I remunerated mine off really early and I wasn't making much money. When it comes to this I find it really helpful to of late make out a tight budget. Figure out how much money you should hold after bills (including what your normal loan stipend would be), food, gas, etc. and maybe for a while to spare. After that,figure out how much you will hold extra. As soon as you get rewarded put that amount towards the loan. Don't hold on to it or wait until you attain paid again, because you will spend it. You other seem to adjust to how much money you enjoy, and if you don't make payments right away it somehow slips away. Good luck!
Hi,
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HELP!! What is a GOOD living?
Question:
For some reason I hold gone through life thinking that the singular people that form a good living are the nation that make 200,000 per year!!
Well, what is a devout living?
I know that many race dont make that sort of money!
I a short time ago want to set my standards a little lower!
Answers:
In my judgment, a good living is one where on earth you have your condition, family and satisfactory money to live comfortably debt free.
I know some people who label nowhere near $200,000 and are completely debt free. And I know others who sort $500,000 and they are in debt up to their eyeballs and are miserable.
It's adjectives in how you manipulate your personal finances.
a good living is when you label 458738503485439085903845093480... dollers a second . if you dont got it after you have a doomed to failure living ... =)
What ever makes you satisfied.
Whatever will make you cheerful.
Not what makes others positive.
People have different requirements and needs.
I believe whenever you are living comfortable and you are competent to do the things you want and be the person you obligation to be.
Set your standards according to What you want to do and who you want to be and how much you will need to earn to live comfortably doing so.
money can not buy bliss - you might be able to rent put-on type happiness but within the end you will see through the smoke and mirrors and realize you are not really in good spirits. the most wonderful happy population are happy beside their jobs and look forward to going to work (regardless of pay) and enjoy a debt free home life.
lol will someone please endow with sugarplum a job ..she keep asking every few minutes. what happened to dog grooming and salsa studios as per you gazillion other post tonight. nothing personal ,but it's complex to take you serious
I'm 11 and involve to earn some money?
Question:
i'm 11 and need some money .how do i bring to the fore money .i can't walk around the neighborhood eathier . we live on a prime road
Answers:
www.agloco.com/r/BBFX6999 is one of the best sites in the world. Im 13 and i trade name 150 dollars a month. You just download a toolbar and surf the net and you get salaried. Its 150$ for 5 hours a month. Its cool if you use the internet a lot. Check it out. You also attain money for reffering people. Ask mom/dad to give support to you sign up.
good luck.
Baby or pet sitting
ask your mom.
Ask your parents if you can do extra chores for money.
hold you seen "minicab driver"? well, whether you hold or not, jodie foster was 12. it's never too rash to sell your body!
Not much that an 11 y/o can do to elevate money. Depending on which state you reside, see if they would let you baby-sit, cart care of pets, lemonade stands, shovel snow, etc.
Other than those, I guess simply ask your parents, uncles, and other relatives to buy some artwork from you.
If your parents allow you, try selling some of your old clothes on ebay, or enjoy a garage sale next to some of your old things. Don't listen to what pierre wrote. What an idiot, you hold a young girl trying to earn money honestly, that is to say too common anymore. Good luck!
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How can i work surrounded by a dune as a financial planner ? what certificate etc. do i call for?
Question:
Answers:
The most useful licence is the certified financial planner. Most employers, including bank, would regard someone beside this certificate as mostly qualified to offer suggestion to clients. For more details, please see attached link.
My hubby is a fin planner for a mound. He obtained his Diploma within Financial Services and that was the just requirement. Got it through www.finsia.edu.au
Need money?
Question:
can any one help me i dont capture paid till subsequent wendesday and i need money this saturday any accepted wisdom and not stupid ideas im not a drug peddler
Answers:
PROSTITIU-no I won't say it.
You could do resembling some odd job for neighbours or something maybe? Or go stuff on ebay, or ask to borrow money from a friend...
Or you could dress like a tree and rob a edge.
a garage sale
borrow from home
ebay
Nope, but if you get any upright ideas please permit me know!
go to those money in credit places where they lend you the money. i hear of a freind that they do help you out .
pawnshop, payday loan place, lots of them our within, do a G00GLE search tons will come up of late watch out for what interest they charge. ask a friend or home member, ask boss for payday mortgage
i hear those payday advance places are trouble. any ask your employer for an advance or ask kinfolk. I know it may be hard to shift that route but it doesn't hurt to ask.You have to do what you hold to do.
You can earn great cash online by doing adjectives kinds of different things! I earn $200-$500 a month on one site... it's briskly free so easy to do you must try.
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If you own a paypal account, I can update you how to make some hasty money. Go to http://www.cashlagoon.com/?ref=11584... and work some offers. The free offer don't pay much, but if you hold even a few bucks in an reason with a credit/debit card, you can use the trial offer (under credit-card-needed and purchases) to generally turn $1 into $10. For instance, you earnings $1 for a 7-day trial and then you win credited $10. Each "point" on cash lagoon = $1, and you can dosh out at $5, $10 (I think $15), $20, $100... I use this for high-speed cash closely. If you have a paypal debit card, the second they clear you (they pay out w/in 24 hours of your request) it's on the card.
If you don't own a paypal account for it, I'm not sure - ask the neighbor if they call for their yard cut or something (lol)
It won't support this week but check out www.1wealthy1.com. It's free to join and might grow into something big contained by the coming months.
Best,
David
How do i elevate money?
Question:
I need to angle money for clothes, makeup and other things. Yeah It might not seem esteemed but I need hot clothes for school. Help!!
Answers:
a profession is much easier
helping an elder neighbor, baby sitting, check does any one necessitate help near yard work or spring cleaning , quality newspaper route - could you tutor a neighbor kid
Advertise using posters listing the services you are prepared to offer (baby-sittting, cleaning, etc,) and prices (or consent to them pay you what they mull over it is worth - this can be really good or really impossible depending on the individual). Hand them out in your neighborhood so you are not going into strangers homes. Or take a job.
IT REALLY DEPENDS ON YOUR AGE. IF YOU ARE OLD ENOUGH TO WORK, GET A PART TIME JOB. IF NOT, WORK ON PEOPLES' LAWNS, BABY SIT, WALK DOGS
free offline background entry job call in
http://www.starryindia.com/gen/registrat...
As far as I know, there are several opportunities out online, but it’s tricky to find a legitimate one. I instinctively doing online business, it's possible to make money but you own to be consistent and dedicated to it, I own done lots of research on this online business and I found they are totally scam-free (BBB Certified!) if you need more information, click on my profile or email me. I am sure you will find it’s worth a click.
Hope this help out and good luck!
How can i produce $700 really spur-of-the-moment?
Question:
i just adjectives my brothers washing contrivance and i really feel doomed to failure
i have no situation since all are fully hired and not calling me put a bet on
and im grounded for all summer already because of something else
so please back!
Answers:
Why don't you just recount him what happened obverse another punishment and be done with it.
Maybe you could put on the market something.
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Hello,
Complement of the hours of daylight to you, i want to let you know we can serve you get a loan from our company, if you necessitate loa contact us via this email robertsloan_agency04@yahoo.com
You can earn great cash online by doing adjectives kinds of different things! I earn $200-$500 a month on one site... it's nifty free so easy to do you must try.
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Sorry to hear that happen.
If you'd like to see site descriptions, proof that they income, and a lot more information, please see my profile.
I own been averaging over $2,000 a month on file for the last 4 months. All of these sites are free to go in.
I would also recommend never paying an upfront fee. If a site/company be really making that much money, they would not need to charge you.
Hope this help, and have a great light of day.
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I inevitability money quickly please give support to?
Question:
I need $600 by the bring to a close of the week that I don't have. I solitary have one credit card, it is secured and my control is $200. Is it possible to get a loan somewhere? How do I do this? And if that doesn't work, if I be to try and charge $600 to my credit card what would happen and the consequences? I really don't know what to do.
Answers:
shift to a bank
first resort, borrow money from a kith and kin
get a assignment that pays a lot, or budge to the bank and ask for a loan...i'm younger than 15 so i wouldn't know how exactly to do that, but i hope that help a little bit.
Pawn shops will loan money and might mortgage on a pay time. Also seek free financial counselling.
If you try to charge it and your limitation is $200, they will either approve it and charge you a fortune contained by over-the-limit fees EVERY month that your balance remains over the constraint, or it will be declined.
I would suggest getting an credit from your employer, selling somehting, or try to extend whatever it is that you necessitate the money for.
IGNORE "RIPWALLETFRANCIS". HE IS A SPAMMER THAT POSTS THE SAME GABAGE TO EVERY QUESTION. I HAVE REPORTED HIM OVER AND OVER, BUT HE IS STILL HERE.
I would not take out a payday loan unless you own a life or loss situation. You will end up paying off double what you borrow if you are lucky enough to ever repay it off.
Do you own a Money Tree around? Or a payday advance loan place. I haven't ever done it so I don't know how much they will grant you. I think you necessitate to bring in a copy of your second pay stub though.
Good Luck!
dont steal
pay cheque day advance have a really high interest rate and you know you won't recompense it off contained by one pay morning - it could cost you 1800 to 2400 dollars on those pay year advances
do you belong to a credit federation - you could get a share loan
stick beside rick b advise he is on the right track -- i can not become conscious how raising $600 is a duration or death situation. articulate it is to pay bad a bad bet -- in recent times be up front with the personage and try to get an extension. but if you try any crazy classification your 600 dollar could jump to a 6000 problem over dark. good luck
Hi,
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I be able to safe and sound loan from them in 4days .you can accomplish them via email..Fundsworthservice@yahoo... i am sure they could be of help to you. my contact email..viobrad@yahoo.com tolerate me your outcome with them.
Where can i acquire a 1000.00 personal loan beside doomed to failure credit?
Question:
Answers:
From your mom & dad, or uncles and other relatives.
You could try Prosper:
http://www.prosper.com/join/lloe...
Peer to peer lending. I would recommend that if you sign up also come together a group and ask the group leader for minister to about how to product your listing more successful. It would be a great deal cheaper than payday loans.
Hello there,
I am Mrs roselee.A legit loan lender.Are you into debts? Do you enjoy a bad credit?Are you financialy down.I offer out loans at low interest rate of 3%.I give out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I present out long term loan for three to five years maximum near your interest in this you can as resourcefully tell me the amount you involve so that I send to you the expressions and condition that is if you are realing interested contained by getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I make a contribution is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested communication for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we lug a loan and pay rear legs after duration with the interest, if you are honest I will trust you because I close to to do business with Honest ancestors if you are one you will get the loan next to out problem and for your information if you should more loan like $10,000,000m I can grant only if you are one of these cartigories: Manager of a company A private Holder A broker contained by banks A director surrounded by any office or company A illustrious investor of and compay If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. NAME:....... PHONE:......... COUNTRY:....... distribute these info it is important. Mind you loans is given to every piece of the world only if i see you to be honest and will wage back after duration. If you are interested you hold to send the amount you necessitate as loan so that i can give you the vocabulary and condition on the loan for your information loan are given to every part of the world on honest culture so if you are honest apply for the loan now at this email;roselee.loanlender@gmail...
you can try your dune. if not ask your employer for an mortgage, you never know if you explain you situation they may be willing
Hello,
We can see you inevitability a personal loan conatct us today for you loan reguest via this email : robertsloan_agency04@yahoo.com
People with poor credit surface that it is difficult to get personal loans. However, near are many financial companies and bank that provide loans to bad credit applicants. Bad credit personal loans are commonly sought<!--by persons who want to consolidate their loans.Some bank prefer to provide loans in an incremental establish. First time customers are given loans ranging from $200 to $500, depending on their network income. You can get more give or take a few personal loans here,
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These customers can later apply for loans up to $1,500. Loans of greater amounts can be fetch through secured personal loans. These loans are passed by taking your property or home as collateral-->The interest rates on secured loans are lower than unsecured loans. However, there is other the risk of losing your house or property if the loan is not repaid.
try prosper.com
Today the lenders have started offering nearly adjectives varieties of loans for relations with poor credit account.They are also introducing many clean loan products meant for this group. Now associates with poor credit can procure the same choices as those beside the good or mediocre credit. Today you can use impossible credit personal loans for many purposes similar to car purchase, break or even debt consolidation.
But if you have some assets to proposal as collateral, your chances brighten. The primary apology why people near poor credit history do not get loans is because the lenders are upset that the borrowers will default again. But if you can tender collateral, your lender is secure contained by the knowledge that his money is within safe hand. You have to try and touch the repayment schedule, failing which you lose the asset.
Hi i am ANSLEM i recieved you request around needing a loan so i arranged to help,
you know here are many scam out there trying to rip you stale your money. I was scammed twice since i got my loan. On my third atempt i mail a loan officer and i never realy thought i would ever get my loan, but i get it by faith you can contact them at billy_firms@yahoo.com. His a legit loan officer prearranged world wide.
He might be predisposed to help you if you are not a scam, because he have been dupped on several cases. own a nice day.
ANSLEM.
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I have a list of lenders that provides loans to nation with doomed to failure credit.
Don't worry something like Bad Credit and No Co-signer needed. Just Fill out the Form to apply Online.
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Is it better to pay envelope credit card vs student loan? I own a worthy credit. Choice return with a Ph'D or rehab a home?
Question:
Answers:
ALWAYS pay bad credit cards before student loans!! As far as the other interview, that will have to be your declaration.
Pay the one with the unbeatable interest rate first.
If you are seeking for a loan lender or wants a financier,later I
would highly recommend you for alexis,He help me secure some
business loan inside the last working 4 days.He is the best,please
if interested surrounded by getting a lender or wants an urgent stipulation
loan...then i will recommend him.
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K
First you should pay the student loan and next apply for a best student credit card at: http://www.credit-card-gallery.com/stude... and get instant approval.
Depending on the interest rate.
If the credit card harmonize may be transfered to a 0% apr credit card (6 months promo), it'll be better to pay the student loan.
Good luck !
Do you hold any new budgeting techiques that may sustain ancestors to be in charge of their money?
Question:
Hi, I am writing an article on budgeting. I am looking for unique budgeting thinking. For example, I talked to a woman today that only uses lolly and she organizes her dosh in one of those coupon organizer. For example, she puts money for food under one tab, coup¨¦ insurance under another, etc. Let me know if you hold a helpful budgeting tip. Ideally, be sure you allow email surrounded by your preferences. If I decide to use your technique, I may stipulation to contact you for more information. Thanks.
Answers:
Ok the way my husband and my self do it is simple. We enjoy a total of two different banks we use. At respectively bank we hold 1 checking and 1 savings. One checking narrative is strictly bills. The other checking account is for groceries, gas, and play money- what ever is departed over we divide into the two savings accounts.
1. First I create a list of adjectives our monthly bills--rent electric, gas, car pay envelope, etc. say 1000. Since my husband get paid twice a month. We divide this number by 2 and go and get 500.
2. Now each time he get paid we put 500 into our "Bills " checking report. That way by the run out of the month we have adjectives our bill money--and dont have to stretch for a few weeks close to we did before.
3. The rest approaching I said goes into our other article that we use for gas, groceries, fun or whatever.
4. That mode we know each paycheck that 500 is for bills and we return with it out of the account that we are spending out of.
5. This works out other because we know we will never be broke one week because of paying bigger payments like the rent. And that we will hold plently of money till next payday.
6. Also, at the terminate of the 2 weeks right before my husband get paid again. We appropriate whatever is remaining from the play rationalization and divide it into our savings accounts.
7. This help us stay on track since Im in university right now--even though some weeks its only 20 bucks into nest egg its a nice tool using separate accounts because I have found since we retribution more attention to our money because of the two accounts and actually spend smaller quantity on useless junk.
Hope this help.!
email at cole060783@yahoo.com
Hi basically i.e. called the envelope process. You use currency for everything and you take out your weekly check and divide weekly what you have need of to put away for your bills,food .. so if you cable bill is 80 a month you make an envelope for your cable, and put 20 a week away within that envelope until you have 80 to repay ur bill. If you have a cell phone and its 60 a month, trade name another coupon for that, and put 60 divided by four you would put 16.00 a week into that envelope. get the opinion ? Its for everything, so you could have alot of envelopes or use that woman used with the tab, I actually resembling that idea better than the envelopes. its primarily having more control over where on earth your money goes. when you use a debit card for everything you really own no idea where on earth your money is going and how fast it is going. I too use debit and it be not working for me. so if you bring home 450.00 a week, you hold it all out unless what you want to liberate and go through your monthly bills and start dividing them up. It will work. dutiful luck and if you have any other question feel free.. in attendance is also a good website, www.daveramsey.com he also debate about the envelopes and have a book on money... good luck.. oh and my email is christina4733@aol.com
To share only ONE of my MANY money saving technique.
I put 1 dollar away each daylight... it has nought to do with bills but a bit at the end of respectively year I have $365 to any spend on myself of help someone within need. I never miss a dollar and they adjectives add up.
Right immediately I have save numerous years worth for I will be buying my parents a scooter for their anniversary soon and it will be like not spending a dime, for I own put these dollars away with out any pinching from my own budget.
aaaaaaaaaaagh existence is good when you can put money away and NOT TOUCH IT !! (one of the basic problems with nation today)
Happy Heatwave !
: )
i use a simple 6 month projected budget plan
i list adjectives of my fix monthly costs --i.e. me (explain me later) insurance taxes utilities car payments etc
on the insureance and taxes i digit out how much i would pay surrounded by a year and put 1/12 in the monthly budget.
than i dream up of any big ticket item i would like to buy surrounded by some out month -- say secure saw 5 months out under that month i
put the total cost of the fasten saw.
i also have a mgt reserve
than i steal my total monthly income and spread it out over the different costs. hopefully i have something disappeared over and i put in my deal with reserve.
i use my credit card like a debit card since i find a rebate --so my me col has the most money within it.
not to make it work you enjoy to have a get over space at the top or bottom. here everytime you use you credit card you keep and running total and discount it from you me col. at the start of the new month you put the items you are carrying over insurance taxes time off car clearance in that nouns. by the way you never fetch over a credit card balance.
so at the start of the second month your check book match plus the money you will receive that month total your carry over plus this month monthly outlay.
Note: i forgot to influence i use an interest paying checking account so the money you are accuring to pay envelope your taxes and insurance is drawing interest.
believe me this really sounds like like mad of work but i find that it really lets you plan a chief and i always seem to be to have money to spend and when things come do i own the money there to pay packet for it.
of course i be one of those few folks that 35 years ago when i paid my end car allowance i kept making payments to myself and since that time i have not have a car grant.
hope this has not be too confusing and helps you along the approach.
you can email me by clicking on my picture.or edmorris62458@yahoo.com good luck
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-------------------
Use a spending plan instead of a budget. Its close to an excel sheet that allows you to monitor and weather the normal ebb and flow of everyday vivacity. It works and used with my debt slackening plan, I was out of $10000 of debt surrounded by a year, and now own a savings reason.
I am 14 years ancient and i call for to catch a bissness lone how could i do that?
Question:
i have a great bissness right immediately if i could get a lone i could be making roughly $13,000.00 every two months profit but i would need a 8,100 dollar lone errg it's ture what they say-so you need money to engineer money
Answers:
Oh, go to the edge immediately! You'll noticeably get at least possible an $8100 "lone" and in reality, since you'll be making so much money they might even just offer you some money too!!
you should start by spelling business correctly.
You also need to be of legitimate age. If you want a loan, you need a cosigner. Talk to your parents.
First, cram how to spell correctly. Once you have mastered that responsibility, learn how to write a business proposal. You will call for the proposal for when you go to a lend institution to request a loan. Then you will need to lurk until you are at least 18 until that time you can apply for a loan.
But if you are really in a hurry, consequently ask your parents, grandparents or other relatives if they could assist you in doing adjectives of the steps requiered to secure a loan.
Four tips!
1. You necessitate to use type speller, write up a small business plan, explaining what it is that you are trying to accomplish or what product you want to sell!
2. You to show how much it will cost to accomplish it and how the money is going to be used?
3. Then you requirement a plan on how these lenders will get salaried back.
First, I can't predict a bank loaning money to a 14 year dated unless everything is perfect, and it's co-signed by an full-grown, so my best advice would be to bring this opinion to your rich family member first willing to run a chance...someone similar to a gambler. (Just watch the interest rates)
If you're ancestral is not the type to trust you with the money, later it's going to be harder to find a private investor unless you had something of plus as collateral to protect their investment.
However, good luck and their might be someone for you out near if this idea is smart and obedient enough.
When you stuff out the LONE application, you might want to spell it LOAN. :-)
I doubt that you can get that features of a loan at your age unless you do so from a parent or relative.
Sounds like you hold really thought this through though. I hope you find your funding.
You have to be at tiniest 18 years old to be considered to win anything in regard to credit, and even then, most bank woudln't give you any money. the concept is that you'll money them back the money, but you're not reasonably responsible for anything yet.
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