When a person urgently needs money, he will always find a way to get it. But it so happens that bank loans, after a long consideration of the application, remain unissued. And when money is needed urgently and without additional hassle, ordinary people, called private lenders in business circles, come to the rescue.
It is necessary
- - documents confirming the ownership of the collateralized property;
- - passport;
- - in some cases - a certificate of mental health and the absence of drug addiction.
Instructions
Step 1
In the event that there are not enough documents, a damaged credit history or an outstanding loan hangs, some people prefer to apply for money to private lenders. Finding such a person is not difficult. Announcements of such services are posted on various sites, as well as in periodicals.
Step 2
The pluses of such a transaction include the minimum of necessary documents, and the minuses are the huge interest on loans, the short-term repayment of the debt and the condition that the collateral, in case of non-repayment of the debt, will immediately go to pay the loan.
Step 3
Sometimes the registration of loan transactions for the purchase of real estate takes place at the registration chamber. And lenders make it a condition of the mandatory re-registration of ownership of the property, for the entire loan repayment period. Such a condition must be prescribed in a special agreement.
Step 4
When negotiating the terms of the transaction, remember that according to the law, amounts up to 1,000 rubles can be transferred by oral agreement, and loans exceeding this amount must be drawn up in a written agreement and a receipt must be drawn up. The agreement specifies: the loan amount in rubles, the term and schedule for the repayment of the amount, credit interest, as well as penalties for delays and non-compliance with the debt repayment schedule.
Step 5
The moment of conclusion of such an agreement is the fact of transfer of the specified amount of money. It is this date that must be indicated on the receipt. Such a receipt must be drawn up without fail for written confirmation of all operations.
Step 6
When drawing up the receipt, the amount received from the creditor should be indicated in numbers and in words, and the text should be entered, approximately with the following content: “money transferred and received in full”, after which the signatures of both parties to the transaction are put. Only in the case of the correct compilation of all documents, you can count on strong evidence of your innocence, if court proceedings are needed.
