Debt money is one of the most delicate topics for every person. Do you need to go into debt? Should I borrow money when my friends ask? Everyone finds the answers to these questions independently. However, if you do have to borrow money, knowing about the most common situations associated with loans will be useful for you.
Instructions
Step 1
A receipt is a document confirming the fact of borrowing money between two individuals. If you have to borrow money, you must also draw up the receipt. It is written in free form. The main thing that should be indicated in it is the date and place of its preparation, full name and passport data, the amount of money and the date of its return. Also indicate the witnesses, their full names and passport details, if they were present when drawing up the receipt and transferring the money. A receipt drawn up in this way can be presented in court and accepted as confirmation of the fact of the transfer of funds.
Step 2
Another common way to borrow money is to use a plastic credit card. It is difficult to overestimate the convenience of this option for using other people's resources: you can spend money on something now, and pay by returning it to the card, then. However, the benefits of this method are not in your favor. Often, withdrawals from the card are subject to an interest commission, and interest is also charged for each day the money is used. And although today on the plastic card market there are quite a few offers of products with the so-called "grace period", i.e. a grace period for using funds, during which interest may not be charged at all, always look at the additional terms of the agreement. They may contain nuances that can lead to unplanned expenses.
Step 3
If you are going to make a large purchase, then perhaps the most common way to take money is to apply for a cash loan at the bank. To do this, you will need to fill out an application form at a bank branch and collect several documents (most often a passport and a 2-NDFL certificate, as well as additional documents are possible depending on the conditions of the lending program). If you meet the banking criteria, in a few days you will be called and told when you can come up and collect the money.
