852
There may be situations where money is urgently needed. The person does not know where to get them, especially if they are urgently needed and there is no opportunity to take them from friends.
A pawnshop is a real chance to get money quickly. If a person has jewelry, equipment, or a car, they can be pawned. But it is worth considering that the loan is issued for a short period of time and things are depreciated in price. Get it auto pawnshop services, only adult citizens can. The deposit can be returned only when the loan is paid in full. Although most often the loan is issued for a maximum of one month, pawnshops easily extend the terms if you pay interest for the used period.
One of the most affordable options is to take out a microloan. This type of loan can be issued by every adult who simply fills in the application data on the company's website. In just a few minutes, you can get up to 50 rubles to your card. There are several positive aspects of such lending:
- you do not need to confirm your financial capabilities, bring a certificate of employment;
- to get a loan, it is enough to have a passport and a code in hand;
- you can get money after a while;
- there is no need to explain to the organization why the money was needed;
- money can be received on any card. If a person needs cash, he can contact the organization's branch.
The main disadvantage of this type of lending is the short term of the loan and huge interest rates. But if you take into account the fact that a person may not have a second chance to get money, then this is an ideal option.
Banks are a more reliable option for lending. These financial institutions are controlled by the state and have a license. The disadvantage of this type of lending is the slowness of making a decision on granting a loan. Application review takes about 3 days on average. Banks have the service of issuing express loans, but they differ in their high cost and limited credit limit.
To get a loan from the bank, you need to follow some rules:
- Proof of income. Most often, banks ask to confirm income for the last six months. Even if there is no income certificate in the mandatory list of documents, it is better to provide it;
- Credit history began to be checked more often in credit organizations. At the same time, the credit history is affected not only by payments made on loans, but also by utility and tax payments;
– If it is necessary to receive a large amount, the client is asked to have another guarantor;
- The bank can also ask for additional guarantees as collateral.
The bank is a good option for those who want to receive a large amount of money in a short period of time.
If it is not possible to take a loan from a financial institution, it is better to turn to acquaintances. Financial relations, even with acquaintances, are best organized by a notary. In such cases, a receipt is most often used. In it, it is necessary to specify the passport data of both parties, the details, the date of signing the receipt, the amount of the loan, the conditions and the loan repayment period. This document must be notarized. It is necessary to make payments through the cash desk. In this way, you can protect yourself and the creditor from unnecessary problems. In addition, with the help of a receipt, you can increase the chances of getting a loan.
Also, when signing the contract and returning the loan, you can invite witnesses. In this way, it is possible to prove the rightness in court in disputed situations. Do not treat the receipt formally. It is the receipt that becomes the document between the borrower and the creditor. This type of loan is good because close people do not ask for high interest rates and confirmation of income. In order to have a better chance of getting a loan, it is necessary to ask for small amounts from several people, rather than a huge amount from one person.
One of the most popular options for lending is to issue a loan using Webmana. The positive side of such a loan is that the interest rates are relatively low and you can apply for a loan online. But when registering, it is necessary to have a webmini wallet and not have open credits in the system. When applying for a loan, you do not need to have income certificates with you and go to a bank branch.
There are people who arrange loans against property. These people can be found through ads. But the negative side is that the property is valued at only half of its value and you can fall for a fraudster. Also, when signing a contract with such people, you need to read the contract carefully. The positive side of such an agreement is that they often do not require additional insurance or income certificates. Also, many people allow each month to pay only interest, and at the end the body of the loan will be paid.
