The financial system in Russia has developed in such a way that many live on credit. Someone took small amounts from the bank for urgent needs, someone took out a mortgage, someone bought equipment or furniture on credit. Unfortunately, situations are different, and no one is safe from layoffs or worsening financial situation. As a rule, in such cases, the borrower's credit history is damaged due to delays in payments, and there is simply no money. And not everyone can find a way out of the debt hole.
It is necessary
- - property that can be mortgaged;
- - guarantor;
- - Webmoney wallet with a personal passport.
Instructions
Step 1
Contact a private investor. In any more or less developed city, there are many private lenders who will provide you with the funds you need for a certain period and secured by property or guaranteed by a third party. If you are sure that after a while you will be able to pay off all loans and keep the property, then this is your option. Advertisements from private lenders can be found in city newspapers or websites.
Step 2
Clean up your credit history. Get a credit card at a bank and borrow and give small amounts of money every month. As a result, after a few months, banks, looking at your credit history, will see that you are actively taking loans and repaying them in good faith. If you do not have that much time, then you can contact the offices that offer to "clean up" your credit history for a certain amount. They do not disclose the secrets of their work, but, as a rule, after the services they provide, clients can receive loans. But be careful not to fall for the scammers.
Step 3
Take a Webmoney loan. If you do not have an electronic wallet, then start it on your real data. Get a personal passport - a prerequisite for issuing loans online. To do this, you will have to send a scan of your passport to the Webmoney support service, and also pay 300 rubles. Once you have been assigned a Personal Passport, find a site that provides online loans. Compared to bank loans, they differ in a much shorter repayment period and high interest rates, but in a desperate situation, this is an excellent way out. You can cash out electronic money by linking a bank account or card to your R-wallet.
Step 4
Contact other banks to restructure your loan. The new bank will buy back your debt and issue you with new payment terms, possibly stricter. But it will help you keep your credit history clean, avoid meetings with collection agencies and allow you to take out other loans.
