In connection with the tightening of requirements for obtaining a loan from banks, many have turned to obtaining loans from individuals. This method has a number of disadvantages and advantages, but in general it is much easier to obtain it, since it is not required to collect an innumerable package of documents and sometimes you can agree with a private lender on more favorable terms.
Instructions
Step 1
Find someone who is willing to lend money. Private lenders often advertise their services in newspapers or on various Internet sites. But if you do not trust this method of searching, then it is recommended to interview your acquaintances on this issue. Perhaps one of them will be ready to loan you the required amount or know the person who is involved in this. Thus, you will be able to draw up a certain characteristic about a potential lender.
Step 2
Discuss with an individual all the conditions for the provision of credit funds: amount, terms, interest, penalties and force majeure. Be sure to discuss the circumstances under which you will not be able to make the loan repayment on time. For example, at work, the payment of wages was delayed, you or your family were hospitalized, family income decreased. Perhaps the creditor will go to your meeting and will not charge a penalty in these cases.
Step 3
Collect the package of documents that you need to apply for a loan. A passport and an identification code are required to conclude a contract. You may also need a certificate of income and documents for the collateral, which is selected to secure the loan.
Step 4
Read the terms of the loan agreement. It is advisable to consult with an experienced lawyer who can point you to the dangerous points in the agreement. Make a deal with a notary and get money on credit. Write a receipt for the receipt of funds. When repaying a debt, be sure to write a separate receipt for each amount, so that in case of controversial issues you can prove your case.
Step 5
Apply for a loan from an individual through electronic money. Nowadays, getting a loan to a Webmoney wallet is a fairly common case. You can find a lender on the service website or on other resources dedicated to this topic. As a rule, registration takes place in a matter of minutes, and the loan amount depends on your passport and BL and TL indicators.
