Where can you borrow money? How to borrow money against a receipt from a private person? At what percentage do private individuals give money?

Hello, dear readers of the blog site. Each of us and our friends have faced the problem of quickly obtaining money for various needs. When the question arises of where to get money right now, whether it’s for a wedding or starting a business from scratch, we start racking our brains and calling everyone.

It’s good if you have many relatives and friends who are ready to help selflessly and will not ask for interest on the loan. But what to do if all the banks refuse, and you need money right now?

In this article, we tried to collect real ways and methods to get money quickly and tried to answer the following important questions:

• Where to get money right now without unnecessary problems;
• How and where can you get money for free or for free;
• Where to borrow money if all banks and microloans refuse and you have a bad credit history;
• What methods can you use to get the urgently needed amount of money?

Let's look at each section in as much detail as possible and take note.

How to get money urgently? We'll tell you about the best ways to get money if all banks and microloans refuse to issue them.

Everyone always needs money. In some cases, a person may have an amazing idea, but may not have the resources to implement it. Then various ways of earning money are used, for example, selling property. Here you need to figure out what exactly is called property. If we are talking about small things, this is one thing. If you plan to sell a car or living space (apartment), this is much more serious and the reason for such a step must be very, very significant.

Most often, when the question arises of where to get money to open a business (from scratch), they sell movable property, such as furniture.

By the way, if you search hard enough, on numerous sites online you can find groups or individuals who are engaged in buying furniture, small and large household appliances at a decent price.

The main condition is that the furniture is in good condition and that the household appliances work. The main platform for the Russian-language segment of the Internet is the Avito website, which brings together thousands of sellers and buyers.

If you look closely, you can find a huge number of things in your home that you have never used, or used only twice in your life. And it seems like everyone has already said that there is no need to fill your apartment with rubbish, most people stubbornly continue to bring home all sorts of nonsense, while storing it very carefully. But in fact, this very nonsense can sometimes serve a good purpose and help a person in a difficult life situation.

By rummaging through old (and not so old) things, you can find things that can be sold. And even if the price for them is not as high as we would like, it is still better than nothing. You can search for buyers on the Internet: in thematic groups on VKontakte, Odnoklassniki and Avito. The only important advice is to be patient and persistent, and then everything will definitely work out.

If you have some valuable jewelry and need money right now, without leaving the cash register, you can take it to a pawnshop. Pawnshops operate according to a very simple scheme: people bring what they would like to sell, and the pawnshop employees immediately pay them the cost of this product. This method of earning money is especially convenient for those who urgently need money and who are not willing to wait.

The only disadvantage of pawnshops is that they mostly value things at a price much lower than the real one, and beautiful gold items can be bought up as scrap gold.

Therefore, if a pawnshop includes some valuable, memorabilia, you need to make sure that you buy it back as quickly as possible. You need to remember that for each day of storage, the pawnshop takes a certain commission and the item will be returned only when the full amount + interest is repaid.

In order to complete the transaction, you only need an ID card.

Tip #4. Make money online by completing one-time tasks

The World Wide Web is sometimes replete with various advertisements for quick money, however, you need to carefully read what exactly is offered and under what conditions. By the way, one of the common ways to earn money is to complete various tasks on the Internet. The most well-known methods are visiting certain pages, staying on specific sites for a certain time, participating in surveys and studies - for all this you will earn a certain amount of income, albeit a small one.

Another option is to register on the copywriting portal and write texts (). If it’s difficult with texts and you need to find where to quickly get money without taking out loans, there is also a special category of tasks, the essence of which is to write reviews or give ratings to some organization with quick payment.

Where can I urgently get the required amount of money? You can borrow from friends. Of course, borrowing money is commonplace for many people, but there are several pitfalls.

• Firstly, not all people like to borrow money, despite the fact that they may not show it. Therefore, you can borrow once, maximum twice, but making it a permanent habit is a risky activity. One day, a person may refuse this request altogether.
• Secondly, you can’t borrow a too large amount, otherwise they may require a receipt, and for some reason many people consider this an insult.
• Third Having borrowed money, you need to try to do everything possible to return the money within a predetermined time frame. Otherwise, trust will be lost, and next time you will need to look for help elsewhere.

Where can you get money for free (for free): 10 ways to make money

Few people want to work hard at a factory or construction site, but at the same time they want to get easy money. Fast money is always associated with illegal transactions or fraud with anything, but we will only use permitted methods.

Method number 1. Donate blood

In Soviet times, it turns out that donating blood was no less common than it is now, with the only difference being that they paid more. Nowadays, donation seems to be a rather dubious way to make money, especially since it is practically not paid, and if they are paid, it is only pennies. Rather, they will write out a certificate for work and give you a can of condensed milk, so this should be done for free.

However, if the idea of ​​donating blood for money seems very attractive, then you should remember the risks and not donate blood in dubious and incomprehensible institutions. You must always maintain sterile conditions, and also remember that it is recommended to donate blood no more than once a month.

Method number 2. Ask passers-by on the street

Another dubious idea where you can get money when you urgently need it, although for some reason many are sure that it will work. Here, before making such a decision, you need to take the place of a passerby and think “would I give money to this guy or girl?” It’s one thing when a cripple, a pregnant woman with three children in her arms, or an old grandmother asks for alms, and quite another thing when a healthy young man stands on the street and begs passers-by for help.

If they help, it will be an isolated case and it is unlikely that you will be able to earn money in this way every day.

But don’t despair - you can always arrange a mini-concert in an underpass or subway and earn a few hundred, just for fun and for the soul.

Method No. 3. Sperm donation

A slightly more attractive way to earn money is to donate sperm. Yes, there are now sperm banks, however, there are very few of them and they don’t pay very much. Plus, this method of earning money, due to physiological characteristics, is suitable exclusively for men.

In Europe and the USA, for example, sperm donation is much more developed than in the post-Soviet countries; there are even different payment rates, depending on how high-quality the “product” turns out to be. But if you still need to find where you can get money quickly, then you can try yourself in this business.

Method number 4. Lend for micro amounts (it’s easier to pay them back)

In every city or more or less large settlement you can find dozens of banners offering to contact a microcredit financial institution and get a loan. If a person is interested in where, then this option is definitely suitable for urgent loans.

If we put aside the numerous risks of this enterprise and assume that a person will be able to pay everything on time, such loans also have positive aspects:

• To receive a microloan, you only need a passport;
• Money is issued immediately without applying for a loan;
• Information about the borrower remains confidential;
• Microloans can be obtained even by unemployed people;
• The application review period is only a few minutes;
• The payment can be repaid ahead of schedule, unlike many banks, where you can also receive a fine for early repayment.

Method No. 5. Complain to the city administration and social security

Social protection of the population, of course, provides for certain cases in which a person can be helped financially. However, in most cases, a person must have a truly objective reason for this: temporary disability, the birth of a child, military service and others.

In order to receive unemployment compensation, you will need to provide a large number of documents to government agencies, which means additional time, nerves, certain expenses and unnecessary headaches. Therefore, if I may say so, this method is not a very good idea for making money.

Method number 6. Resell items given through free advertisements

In order to realize this idea, these very things first need to be purchased. You can, of course, place an ad in thematic groups from the “I will accept as a gift” series, however, you should be prepared for the fact that people will offer things that are not of the best quality. A huge number of things are given away on Yula, Avito and other ad services, including VKontakte and Odnoklassniki groups.

Consequently, since the people who responded will give things away for free, it means that they themselves do not really need them and, accordingly, it will be even more difficult to sell them again. But if this idea doesn’t seem so hopeless, you need to identify groups of things that will sell better than others.

Basically, these can be antique players, cassettes, gramophone records, which are of at least some value to collectors. Ordinary clothing sells less well, but there is still a possibility that a couple of things will still be bought.

In a word, to implement this idea you will need to be patient and not wait for quick results.

Method No. 7. Ask a rich friend

Here comes a great saying for just such cases: “Don’t have a hundred rubles, but have a hundred friends”. If your social circle is wide enough, then perhaps there will be several people of high income in it. You can ask wealthy people to borrow money for a long period of time or without specifying the terms at all, but asking them to repay the debt, if possible, in installments.

If we are talking about people who sometimes themselves are looking for where to borrow money, then the situation is different. In this case, it becomes necessary to clearly define the deadline and try to repay all debts exactly by this moment. In addition, in both cases, you need to explain what the money is needed for, because this way people will be much more willing to help.

And finally: you should always be prepared for several refusals in response. There is no need to be offended or angry, it’s just that each person has their own, subjective attitude towards their money, and they have every right to dispose of it at their own discretion.

Method No. 8. Take a loan from a bank for a grace period

Unlike numerous microcredit organizations, banks can give a large amount, both with and without interest, the return of which can be extended over many months, or even years. Of course, if we are talking about small or medium amounts, the repayment period will be lower and the conditions will be less strict, unlike such long-term problems as a mortgage, for example. But there is a “but”.

Serious banks will never approve an application for a loan, even at interest, to just anyone, again, unlike microcredit organizations. Then we can talk about interest-free loans.

In order to get a loan from a bank, and especially an interest-free one, you need to provide several important documents, including a certificate from your place of work, a certificate of income for the last 12 months (in most banks this is the amount required), a positive credit history, and also the presence of a guarantor. The most important advice: you need to take out such loans exclusively from banks, not from credit unions, not from financial groups, but from a bank. Everything else is high risks and high interest.

Method number 9. Rent out your home

Renting out housing would be an ideal option only if there is another apartment. Then yes, this will be an additional way to earn money, and you can make very good money by renting out housing. The only caveat is that you must always choose tenants very carefully, since any claims from neighbors (in case of flooding or God forbid a fire), debts for utilities and others will be brought against the owner.

Most people give preference to married couples or girls/women, who, by definition, are more clean and tidy in their everyday life. Also, when renting out housing, it is best to draw up a formal agreement, which will spell out all the rights and obligations of the parties, as well as solutions in case of unforeseen and force majeure circumstances.

Method No. 10. Win a competition or lottery

This method can be called earning money, perhaps, in one case out of a hundred, but there are also those lucky ones who succeed. Therefore, if you believe in your luck and luck, then go ahead. But, unfortunately, as a rule, a large winning event occurs in one case out of a thousand, or even less often, and you cannot live on small winnings. Therefore, you should not take the opportunity to win a large sum in the lottery seriously.

Where to borrow money urgently with a bad credit history: let’s look at some useful tips

Where to get money if all banks and microloans refuse: TOP-4 ways to get money urgently

Let's look at some quick ways to get funds if there is no other option.

1. Sponsor's help

Sponsors or private investors are people (may be legal entities) who can provide free funds without interest or collateral. Sometimes there are situations when collateral is needed, but this is only relevant if we are talking about a large amount.

You will also have to take money from the investor against a receipt, which will indicate within what time frame the debt will be repaid. Before you take money, you need to carefully study the receipt, because any misunderstood word can lead to a lot of problems that result in the loss of even more money.

2. Bets at bookmakers

Where can I get money if banks and microfinance organizations refuse? For example, make money on bets. But this is a completely legal and possible way to make money, if you know on what principle to place bets. Generally speaking, the operating principle of all bookmakers is that the client places bets on various sporting events. Each event has a certain coefficient, which is inversely proportional to the probability of the outcome. That is, the more likely Team A is to win, the lower the odds will be. Also, the total number of bets has a great influence on the odds: the more bets, the lower the odds, again.

It is best to bet on those sporting events that a person is well versed in. A beginner can, of course, get lucky, but this is the exception rather than the rule. You can place bets at bookmakers both on the final outcome of the match and on the intermediate results of the game.

3. Call out on social networks for help

Even though many people are quite skeptical about this idea, there is nothing difficult in its implementation. Firstly, now there is a lot of websites about crowdfunding, where a person asks for financial help to implement some idea. Of course, you can describe your own particular case, the main thing is to follow a couple of rules: do not ask for millions and honestly describe the situation. In most cases, sympathetic people (and, as it turns out, there are many of them) will definitely help in any way they can. As the saying goes, “one by one…”

You can, of course, write a long post on your personal page on a social network - the likelihood that someone will respond is, of course, less, but there you can attract the attention of people you know, and they are more willing to give money than those you see for the first time in your life.

4. Execution of one-time orders

But this is closer to the point. If you really want to, you can find tons of ways to make money on the Internet, and fulfilling someone’s requests or instructions can actually bring you quite a decent income.

For example, you can start cleaning apartments - in fact, there are many more people who are willing to pay another person for this work than might seem at first glance.

Or, alternatively, you can walk the dog or look after the cat during the trip. This is not difficult, most people can do it, and it also suits everyone: here is an opportunity to make money, and the owner will be calm that everything is fine with their pets.

You can also fulfill requests such as taking and bringing something, picking up or transferring. In a word, there would be a desire!

Where to get money for a business without a loan - TOP 4 proven methods

Few people want to overpay, but banks rule states and break people as soon as they can. If there is at least some chance of getting money without investing, then you should take advantage of it.

No. 1. Investing in a young startup

If you look hard enough, you can always find people who are actually investors. There are always those who want, but how can this be done without risking. Of course, the older and more experienced the investor, the more demands he will place on the aspiring businessman, but if you are one hundred percent confident in your idea, then everything will definitely work out.

In order for an investor to give money to start a business, he must see real numbers, which means that there is no way to do this without a business plan.

Only if a person sees with his own eyes what exactly he will invest money in, and most importantly, how much and when he will get back, can he count on a successful outcome of the event.

No. 2. Borrow from business friends

One of the most proven methods is to ask a business partner for help. Such people are good because they have free funds, they see who they are borrowing from and know what the person is doing. But there are pitfalls here too: before borrowing money, you need to carefully calculate all possible outcomes, and also communicate the exact date of return of the money. Most likely, the business partner will be able to return his money in the form of profit, however, it is worth dotting all the i’s right away and stipulating the conditions.

No. 3. State subsidies

Now there are special programs to help small and medium-sized businesses, which means that a person can count on government assistance. Most of these programs come from the employment center, so first you need to go and find out whether such a program operates in a particular region and under what conditions it is carried out.

There are also subsidies for the development of individual entrepreneurs or LLCs. The only disadvantage of such programs– there may be too many people willing and the main thing is to prove and show the special commission the seriousness of their intentions and focus on results. And you will still have to run around with bureaucratic procedures, however, this is already trivial compared to the fact that the application for a subsidy will be approved.

No. 4. Receiving grants

To receive a grant to start a business, you will need to submit an application for participation in the grant and provide. The business plan should indicate in black and white what purposes the funds will be used for, so you should always indicate only real numbers. In most cases, a cash grant is not issued immediately, but gradually, in the form of cash tranches, which are allocated for each individual stage of work. Each individual ruble should be spent only on those purposes that were indicated in the business plan.

To apply for a grant you will need:

• Extract from the Unified State Register of Individual Entrepreneurs
• Copy of participant(s)
• Application
• Constituent documents

Conclusion + Video

So we looked at the most effective tips and ways where you can get money for free and without refusal. Use any of the examples given and put it into practice. Each method can give significant results if you act wisely. See you soon, and lastly, we suggest watching a video on the topic of the article.

So, you have a situation where, due to certain life circumstances, you need to borrow money, and you need to do it urgently. Let's see what options do you have? To begin with, we recommend that you go through the article “”

Where can I borrow money?

The first thing that comes to mind is to borrow from friends, relatives or work colleagues. In general, those with whom you at least somehow communicate or have family ties. If we are talking about a very small amount, then there should be no problems, unless, of course, you have a good relationship with the person you turned to, and you have always returned to him exactly as much as he lent you. If you are going to borrow money, then act decently and pay it back without fail. If it doesn’t work out on time, discuss it with the lender in advance, he will understand you and give you a short delay. People say, “If you want to lose a friend, lend him a loan”; “If you help someone else, you will teach yourself.” You really have to be careful here.

What if you are going to take out a larger amount? This is a completely different responsibility, and you must be prepared that you will be asked to take your passport with you and will issue a receipt for the receipt of borrowed funds. If correctly drawn up, it will be the basis for the creditor to go to court if the debtor does not repay the debt within the agreed period.

It is more realistic to receive money with a passport, but if colleagues or relatives are unable to lend you money, where can you get it?

Where can I borrow money using my passport?

Private lenders

One solution is to turn to people who are professionally involved in lending. The main thing is that you do not run into professional scammers, then you will be “milked” even of the crumbs that you have, and instead of a loan you will only get disappointment. There are a lot of advertisements with offers to lend urgently on the day of application, both on lampposts and on message boards on the Internet.

You can call and arrange a meeting, read the terms and conditions and be sure to draw up a loan agreement. Receipt of funds and the fact of their repayment must be accompanied by receipts. If a creditor refuses a meeting, offering you to transfer money to a card, or offers an advance (for example, for checking your solvency), then immediately “hang up” - these are scammers. There are quite a few of them now. Therefore, it is better to turn to legal licensed organizations, including mutual or equal (social) lending services (they are also called p2p lending, from the English “peer-to-peer”, i.e. “equal to equal”), about which we will talk about a little further.

Actually, there is plenty to choose from: pawnshops and microfinance organizations, and banks, of course.

Banks

Obviously, it is useless to contact banks with one passport, because the likelihood of receiving loans without additional documents is very low. There they will check you, as they say, in full, requesting certificates from your place of work and other documents to determine your solvency and trustworthiness. Credit history check will be mandatory. Sometimes CI checking is replaced by scoring, but scoring algorithms will in any case “go through” your CI (if you have one). But you should never refuse or deny contacting a bank. For example, getting a credit card is so beneficial for a person who needs constant loans before payday that it is difficult to overestimate its importance (read about it and you will understand everything yourself).

Pawnshops

• No collateral
• No guarantors
• Receive money in 5 minutes

additional information

Documentation

according to your passport

Credit history

Positive and spoiled

Application review time

within 4 minutes for the first time, less than 1 minute when borrowing again

Security

Early repayment

in the first 14 days without prior notice for sure, notification periods after 14 days are not specified

How to get a?

Without commission: to a bank account, With commission (transaction fee 5%, but not less than 99 rubles): to a bank card, to a QIWI wallet, via Contact (in development)

How to repay?

No commission from a bank card, from a QIWI e-wallet, by bank transfer

Filling out an application online, quick loan decision, possibility of extension, early repayment, good loyalty program, promotions,

High interest rates (inherent in any microloans), fines, significant transaction fees for transferring funds, paid extension

More details

Online loan from Money Men

Urgent online loan without visiting the office or presenting a passport. For regular customers, loans are available with more favorable conditions with the lowest possible rate of 0.8% (!). First loan up to 10 thousand rubles. for up to 15 days for new clients FOR FREE! LOAN OVERVIEW

• No collateral
• No guarantors
• Solution in 1 minute

additional information

from 18 to 70 years

Documentation

according to your passport

Credit history

Positive and spoiled

Application review time

for 1 minute (in some cases longer)

Security

no collateral, no guarantors, no insurance, no certificates

Early repayment

How to get a?

To any bank card, bank account, in cash via Contact, Unistream and Zolotaya Korona

How to repay?

From a bank card, bank transfer, from an MTS account, from QIWI and Elexnet electronic wallets, through the Contact transfer system, from QIWI, Elexnet terminals

Fill out an application online, almost instant decision, possibility of extension and refinancing, early repayment without notice, bonus system, constant promotions, first loan for free

High interest rates (inherent in any microloans)

More details

Loan from Platiza.ru

One of the best microfinance organizations in the segment of short-term payday loans. Low interest rates are combined with a high level of loyalty to your client. A credit history correction program (rehabilitation mode) is at your service! LOAN OVERVIEW

• Without collateral or guarantors
• No commissions
• Solution in 3 minutes

additional information

from 18 to 70 years

Documentation

according to your passport

Credit history

Positive and spoiled

Application review time

within 3 minutes, again within 1 minute (according to the rules, up to 20 working days)

Security

no collateral, no guarantors, no insurance, no certificates

Early repayment

Possible at any time without prior notice

How to get a?

No commissions: To a bank card (check restrictions in the review), through the Contact payment system, to Yandex.Money and Qiwi e-wallets

How to repay?

No commission: from a bank card
With commission: by bank transfer (bank commission), through the QIWI terminal (specify the % in each specific case), through Yandex.Money or Qiwi e-wallets

Application online, almost instant decision, possibility of extension and refinancing, early repayment without notice, possibility of deferment (individually), no commissions for issuance, constant promotions, low interest rate (a new client can immediately receive 1% after the video - identification)

More details

Urgent loan from Kredito24.ru (Loan)

Short-term online loans from the well-known company Kredito24 (formerly Zaimo), available around the clock. LOAN OVERVIEW

• No collateral
• No guarantors
• Receive money in 15 minutes

additional information

Documentation

according to your passport

Credit history

Positive and spoiled

Application review time

within a few minutes

Security

no collateral, no guarantors, no insurance, no certificates

Early repayment

Possible at any time without prior notice through the “Early payment” option in your personal account

How to get a?

To a bank card (personalized) and bank account

How to repay?

From a bank card, bank transfer, through the RBK Money payment system

Filling out an application online, almost instant decision, possibility of extension, early repayment without notice, bonus system, promotions and discounts (for subscribers of the company page on well-known social networks)

High interest rates (inherent in any microloans), fines for late payments

More details

Payday loan from MigCredit (one-time)

Short-term loan (before payday) from one of the best microfinance organizations. Submit an application, and after approval, draw up a loan agreement at the company’s office or when meeting with a financial consultant at a time convenient for you. It is possible to apply for and receive a loan completely online using a card or in another way!

Show more

A clear answer to the question “Where can I borrow money on a passport with a bad credit history?” you won’t get it, everything is quite individual, but let me give you some advice.

Each MFO has its own approach to the client, and a lot depends on the correct choice of a microfinance organization (read). During the first contact, you will immediately understand what kind of service the company provides and how loyal it is to the client. We recommend contacting those companies that offer to process the application as a “kind gesture” to the applicant (and some companies allow this to be done periodically). Before you start registration, pay attention to, see the article at the link provided, what you need to pay attention to first.

You will find answers to questions about repayment in. Try to repay in a timely manner, and do not hide any upcoming delays, but notify the creditor and resolve these issues together. Why do you need problems?

You can also contact mutual lending services (for example, Vdolg.ru). They also have the status of MFOs. Here people interact without intermediaries, i.e. you can choose your own lender, and the lender can choose your borrower. The better your credit history, the lower the interest rate for the loan you can negotiate. The service itself offers many tools: assistance in mutual search for lenders and borrowers, scoring, organizing the issuance of a microloan, collection assistance in case of overdue payments. These are full-cycle services with more flexible conditions than in classic MFOs. As a rule, money is loaned there to a card or bank account.

Is it possible to get money for a house using a passport?

It turns out that this is possible, and the pioneer and leader in obtaining borrowed funds for a home is. There are many more organizations that provide similar services, a list of them.

In this case, a company employee (personal manager) acts as a courier and will visit your home at a time previously agreed upon with you (don’t forget to apply online). Usually, it is not cash that is transferred, but a card, to which the money will be credited after final approval. Repeated loans can be taken out without calling a manager, but by calling the company. By the way, visiting the borrower at home allows you to make a visual assessment of his solvency, and influences the final decision of the company to issue a microloan. Money for home is a very common microcredit service, which is appreciated by many Russians (and it is no less in demand abroad).

As you can see, there are many options for borrowing money using your passport, and you can be loaned money on the day you apply, and in some cases you can get it urgently (without visiting the office of the lending company). And if you do not have the opportunity to use such options, then contact those microfinance organizations that will deliver money to your home. The choice is yours!

How to lend money correctly? This question worries many people. Some people just want to help their friends and family, but they are afraid that after this they will no longer see their money. As in the good old saying: “If you want to lose a friend, lend him a loan.”

Others look for a certain benefit in this and borrow at interest, turning into a kind of But if the latter are protected by all sorts of federal laws, then citizen creditors often simply “donate” their savings. We'll talk about how to lend money correctly.

The main rule is a written contract is mandatory.

Any amount over 1 thousand rubles must be accompanied by written agreements.

This is an obligation for an individual in accordance with the Civil Code of the Russian Federation. For legal entities, the law is different - any amount is formalized in an agreement. Therefore, the first rule on how to properly lend money is to enter into a written agreement.

Lender or Lender?

According to the agreement, the borrower will be called the borrower, and the giver will be called the lender. Not a creditor. It is important. With such wording, problems may arise in court for the lender himself. The defendant, with a competent legal position, can simply cancel the contract, citing the fact that an individual cannot be a creditor.

But, as they say, “you can’t attach words to deeds.” Therefore, we advise you to arrange absolutely any amount through a loan agreement.

How to tell a friend about this?

Many citizens find it inconvenient, and sometimes simply too lazy, to complete all kinds of written documents. They give money hoping for honesty and integrity. Of course, that's their right. We are only talking about how to lend money correctly from a legal point of view, so that later you have something to present in court.

But what to do if you don’t want all kinds of notes? There are people who are uncomfortable offering this. On the one hand, they want to play it safe, but on the other, they are afraid of offending a person. After all, it is unknown how a friend will perceive this information. Perhaps, after offering to conclude a loan agreement, he will no longer be considered as such. There are some tricky tips for this:

1. Tell the person that this is how your lawyers or you yourself learned how to return income taxes. Like, I help you, and you help me. To all questions about how this can be done, answer evasively: “They will help me,” “I have a friend who will do this,” etc. From a legal point of view, this is complete nonsense, but a friend is unlikely to turn out to be a lawyer. In addition, there are many cases of tax deductions and benefits in the legislation; without delving into this topic, it is difficult to immediately figure out. Alternatively, we can say that it is necessary to submit income and expenses to social protection to obtain a subsidy, and the loan agreement will help reduce the “profit” of the family budget. It’s unlikely that a friend will go find out. If he needs money, he will most likely sign the document.
2. Arrange everything through supposed intermediaries. For example, you have money, but it is “in the turnover of a mutual fund.” To pick them up from there, you need a loan agreement. Without it, you simply cannot get this money.

You can think of other ways. But know one thing: if they are going to return your money, they will sign any agreement. These tricks are needed so as not to offend your friend. A legally educated person will understand that all this is fiction, but he will treat such an agreement with understanding. You don’t have to come up with any reasons, but simply say directly: “I’ll give you the money, sign the document.”

How to properly lend money against a receipt: writing sample

The receipt is drawn up in any form. But there is one rule - the more information, the better. It should contain the following data:

• Accurate information about the lender and borrower. This is the last name, first name, patronymic, registration and actual residence addresses, passport details. Remember: claims must be filed in court at the place of registration of the borrower. In the Civil Procedure Code of the Russian Federation this is called “territorial jurisdiction”.
• Amount in rubles in words. The correct wording is: “5 (five) thousand rubles,” where both the digital and verbal meaning must be written down.
• If the money is taken in dollars or euros, then it is necessary to specify in detail at what Central Bank rate the return will be (on the day of the loan or return). An example is foreign currency mortgages. Many people sue banks in order to recalculate their debt at the rate at the time of taking out the loan. Let us recall that from 2014-2016 the ruble “fell” by half against the dollar and the euro. One court case was even won due to the ill-conceived nature of the contract. To avoid such incidents, it is better to write everything down in more detail.
• Return period. If this clause is missing, the debt must be repaid within 30 days.
• Signature. Must be done by the borrower. Remember: a signature without decoding is invalid, no matter what examination is subsequently assigned.
• Information about witnesses. It is advisable that they also put personal signatures.
• Additional terms and conditions. Guarantors, interest, guarantees, etc.

Preferred, but not required

Now we know how to properly lend money and what documents to draw up when doing so. First of all, this is a receipt or loan agreement. Now about what it is advisable to do when designing it, but not necessary:

Is the agreement interest-free?

Now let's talk about percentages. This is always a sore subject in court. As a rule, when a borrower needs money urgently, he agrees to any percentage. But, as in the famous catchphrase, “if you take someone else’s, you give away your own.” When the time comes to return the money, disagreement with interest begins, i.e. no one disputes the amount of the principal debt (this is useless). They are trying to reduce interest, penalties and fines.

As for legislation, there is no clear position. Courts have discretion to decide how much interest, fines and penalties are payable. This is not regulated in any way. In addition, the Supreme Court of the Russian Federation instructed lower courts to mandatory apply the articles of the Civil Code of the Russian Federation to reduce interest, fines, and penalties.

Therefore, having paid 10 thousand rubles at 25% per annum with fines and penalties for each day of delay, after a few years you can return 10 thousand + 100 rubles.

And now the other side of the coin. If the receipt does not indicate interest for the use of money, then by default it is assumed that there is one. The borrower is obliged to pay a percentage of the refinancing rate of the Central Bank of the Russian Federation. It changes annually.

What is the refinancing rate?

The refinancing rate is the percentage at which the Central Bank of the Russian Federation lends to other banks and credit organizations. This amount is higher than inflation. Therefore, before you properly lend money against a receipt, you need to find out about refinancing. It is important if the receipt does not indicate the amount of interest.

How to lend money using collateral

Now let's talk about so-called secured loans. Or more precisely, how to properly lend money at interest with collateral. The latter is usually a car or an apartment.

Let's start with the vehicle. The law allows private investors to lend money against a car as collateral. There are two options:

• The vehicle is with the owner for temporary use until the end of the settlement.
• The car is parked in a special parking lot. Then it is necessary to take measures to ensure safety.

But what is the correct way to lend money against a car? Main points of the agreement:

• Terms, loan rates, extension amounts.
• The subject of the pledge, its transfer (with the relevant acts, documents for the car, tickets, etc.).
• Duties of the parties.
• A detailed description of the vehicle’s equipment, so that in case of failure to fulfill the contract, you will not receive a frame from it if the vehicle remains with the owner.

Remember that according to the Law on Pledge, the agreement will be invalid if it does not comply with the established form.

In addition, notaries have the right to register a transaction with a pledge in a special register at the request of the pledgee. This minimizes fraudulent schemes. For this, in addition to the services of a notary, you will have to pay a state fee. But the main advantage is obtaining registration of the agreement, which gives guarantees to both parties.

But if the vehicle is mortgaged several times? Then the right to it is received by the person who first officially registered the transaction. A loan agreement secured by a car is considered concluded from the moment this is stated in the Civil Code of the Russian Federation.

Secured by an apartment

Now let’s talk about how to properly lend money secured by real estate. The first thing to do is to carefully study all the documents for the apartment. She may already be on bail. Of course, it is fraud on the part of the borrower not to inform the lender about this, but the latter has little material benefit from this.

A deposit for an apartment, just like with a car, is accompanied by registration in Rosreestr. In the contract itself, in addition to the main points, you can specify the rule for the pre-trial alienation of the apartment.

What are the advantages of registering a transaction with collateral in Rosreestr?

The main advantage of an official transaction with a government agency is security for both parties from fraud. If the agreement has passed Rosreestr, then the apartment or car is not officially pledged. At least the government agency knows nothing about it. This means that in court the law will be on the side of the lender who officially registered the transaction.

Results

Thus, we tried to answer the question of how to lend money correctly.

The first rule is to document any amounts. Don't be afraid to ask for a receipt.

The second rule is to require collateral when borrowing large amounts. This could be a car, real estate, securities, antiques, etc. We have already talked about the main nuances of how to lend money correctly on the security of a car or apartment. The main thing is to register all transactions through a notary in Rosreestr. Remember that if you executed a secured agreement with this government agency, and then it turned out that you are not the first applicant for a car or apartment, then the court will be on your side. The rule here is that whoever registered it first in Rosreestr gets the deposit.

We hope now you know how to lend money correctly. After all, forewarned means forearmed.

Sometimes life circumstances force us to urgently look for money. Fortunately, today finding funds is not a problem; there are many ways to quickly get the required amount of money. Let's consider several options where you can borrow money urgently.

Bank loan

The easiest way is to apply to a bank for a loan. Firstly, some commercial banks issue loans on the same day of application without certificates or guarantors. Secondly, paying for a consumer loan from a bank will not put a big dent in your budget, thanks to the long loan term and relatively low interest rate.

Of course, this method is not suitable for everyone. If you have a permanent job, preferably an official one, and a clean credit history, then there is a high probability that the bank will approve a loan for you. Moreover, you can apply for a loan, especially if you need a small amount, without a salary certificate, which reduces the time it takes to obtain a loan.

Please note that commercial banks take a responsible approach to lending, so they carefully check each potential borrower.

Let's consider what an ideal borrower looks like in the eyes of a lender. As mentioned earlier, it is necessary to have a permanent place of work and a positive credit history; if a certificate of income is not required according to the terms of the loan, then the employer’s contacts are required, and among them must be the legal address of the organization and its landline telephone number. As for your credit history, it is considered positive if you have taken out loans and have not made late payments by more than five days. Lack of credit history is a negative factor; the lender has no way to check the degree of financial responsibility of the client.

At the time of contacting the bank, you should not have debts for utilities, traffic police fines or other organizations. In addition, banks check the database of enforcement proceedings on the website of the Federal Bailiff Service; accordingly, there should not be any data on the borrower there. Lastly, banks refuse to lend to borrowers who have a high financial burden, that is, if you have several large loans, then the chance of getting a new one is zero.

So, if you are looking for where to borrow money urgently, try to get a bank loan first. This is the most loyal method with a low interest rate. To increase your chances of getting a profitable loan, send applications to different banks; one of them will probably give a positive answer.

Microfinance organizations

The second option is to borrow urgent money from a microfinance organization. This method is significantly different from a bank loan. Firstly, you will only need a passport, no certificates or documents are needed. Secondly, you can get the required amount, albeit a small one, literally within a few minutes after applying.

The requirements for the borrower are minimal here; it is important to only have an identification document and be a citizen of the Russian Federation over 18 years of age. Despite the fact that in the application you need to indicate your place of work and the source of your income, it is unlikely that they will check it. In general, microloans are given to almost everyone, even despite a damaged credit history.

This method has one significant drawback - a high percentage. The interest rate on microloans is indicated for one day of using borrowed money. On average, it is 1.5–2% per day, or up to 730% per year. The time frame ranges from several days to several months. That is, in fact, the overpayment is small due to the short loan period.

You can apply for a microloan in two ways: at the office of a microfinance company or on its official website. If you choose the second option, then you can borrow money without leaving your home. You just need to fill out a form on the company’s website and send it for verification, after a few minutes you will receive a response. The company transfers funds to a bank card or electronic wallet. You do not need to visit the office to sign the contract; if the decision is positive, an SMS password will be sent to your mobile phone number, this will confirm that you fully agree with the terms of the contract.

You should not abuse microloans, because this is an extremely unfavorable deal for the borrower. If for some reason you are unable to repay your debt on time, the debt will increase daily. In addition, if you become a debtor, then you will face extremely unpleasant communication with collectors, and then with bailiffs. Contact an MFO only if you really need money urgently.

Private investment

Private investment is loans from ordinary people against a receipt. That is, the borrower is looking for an individual who has funds, and he can lend them for a certain period with or without interest. Of course, you can try to borrow money from relatives or neighbors, even without a receipt, but in today’s economic climate this is difficult to do for two reasons: many people need money no less than you, and people still have little trust in each other.

Private investors are people who want to invest money profitably. That is, they look for a borrower and lend him the required amount at interest. The amount of interest, terms and other conditions are negotiated individually. In most cases, investors do not require documents from borrowers, except for a passport, of course, they do not check his credit history.

The loan procedure is quite simple; you are looking for a wealthy person who is able to lend you money. Then you discuss the terms of the loan and the procedure for returning funds, write a receipt or draw up an agreement, and have it certified by a notary. In general, if you need money urgently, then this option is for you, it will not take much time.

Example of a promissory note

Please note that the receipt and agreement have legal force; the lender has the right to demand repayment of the debt in court and apply penalties, as well as sell your debt to collectors if you refuse to voluntarily pay your obligations.

The main difficulty is finding a private investor, although in fact there are quite a lot of such people. The easiest way is to find a person via the Internet. There are even specialized services online through which borrowers and lenders search for each other. Among them are such as Vdolg.ru or money against receipt.ru. Just take into account the fact that there are quite a lot of scammers on the Internet; if you are required to make an advance payment to confirm the seriousness of your intentions, they are definitely scammers. You don’t need to pay anyone anything; on the contrary, investors give money to you as a borrower.

If you need a large loan, then most likely you will be required to provide collateral in the form of liquid assets, such as real estate or a vehicle. Accordingly, if you are unable to repay the debt, then ownership rights are transferred from you to the creditor.

In general, there are several ways to borrow money. Before choosing one option or another, weigh all the advantages and disadvantages wisely. Do not contact dubious lenders and online services; it is advisable to always read reviews about lenders on third-party resources. Also, read the contracts carefully.

“Private lenders” lure borrowers who want to get easy money with leaflets at bus stops and advertisements on the Internet. And probably everyone already knows that 99% of such advertisements are fake, fiction and deception. However, as long as that same 1% of real creditors remains, applicants do not stop searching. Where can I find an honest private person who will agree to lend money? How to avoid falling for scammers? Where can I get numbers and contacts of real investors? We'll talk about all this in detail today.

Who is a private lender and how much can they lend?

A private investor is an individual who lends his own money to another individual on conditions established in advance (terms, amount, interest, penalties for late payment, etc.). A loan from a private individual is issued under a standard loan agreement between individuals. persons. It is mandatory to write a receipt upon receipt of money. Notarization in this case is carried out at the discretion of the parties, but is not a mandatory condition for concluding a transaction in accordance with the Civil Code of the Russian Federation.
If you find yourself in a hopeless situation with a bad credit history, then the best decision would be to borrow money from a private person.

Typically, private lenders are sought out by people who have many unclosed loans and are in arrears. What to do if you have nothing to pay on loans - you can find out from our video

All private lenders typically require your credit report to see if you can repay the loan. If you have a lot of loans and debts, then no one will give you money for a new loan. Because you have nothing to pay with.
We recommend getting your credit score in advance.

Get your credit history online

If we talk about the amounts that a private person can lend, there are no specifics here. The exact amount depends on various factors, including the financial capabilities of the lender itself.

The majority of investors issue small microloans in the amount of 500-1000 to 15-30 thousand rubles for a period of a couple of months. The interest rate in such cases is calculated daily and varies from 0.3% to 2-4% per day. Such a microloan must be repaid in one lump sum at the end of the term. Then the accrued interest is paid. As a rule, a private person issues such amounts without collateral or security, under a standard agreement and receipt.

Among private owners there are also large lenders who are ready to lend a more impressive amount, from several hundred thousand to a couple of million. However, obtaining such a loan without liquid collateral is unrealistic. The exact loan amount will depend on the collateral. If you own an old 10 (VAZ-2110), then counting on a loan of 500 thousand is pointless. It is important to remember that most often the loan amount does not exceed 50-60% of the market value of the collateral.

Private investors who issue large collateral loans rarely check the borrower for lice. After all, if something happens, all the collateral property of the debtor will become their property.
The interest rate of such loans is the most loyal, it varies from 15% to 30% per annum. The terms may also vary, but private lenders are not known for their patience, so you should not count on 10 years. Maximum 2-3 years.

Debt repayment is negotiated individually: these can be annuity or differentiated payments, like in a bank; monthly interest payment and principal payment at the end of the term; fixed contributions once a year, etc.

There is a category of private lenders that are ready to issue a loan in the amount of 5-10 million or even more. As a rule, such investors operate in Moscow and St. Petersburg and accept only expensive luxury real estate, antiques, profitable businesses, commercial real estate, etc. as collateral.

Where can I find a private person from whom to borrow money?

An urgent question for all borrowers who find themselves in a difficult financial situation. If you believe in practice, applying for a private loan takes much less time than searching for that same honest lender. It is clear that 90% of borrowers are looking for private investors in periodicals in their city or on various credit message boards, which is absolutely not worth doing.

In the first case, you will 99% run into black lenders who will offer to take out equipment on credit in one of the stores, after which they will buy it for 60-70% of the cost. And you will be even more lucky if they actually buy it, and not just take it away, promising to bring the money “tomorrow.”

In the second case, you will again run into scammers who will simply take your last money by prepayment. Most resources where you can place a free listing ad loan from a private person, do not check the applicant in any way. For them, the main thing is not quality, but quantity.

On the other hand, it is on credit message boards that you have the greatest chance of borrowing money from a private individual. Phone numbers and other investor contacts are published along with the announcement. One of the few resources where lenders’ advertisements are checked is hcpeople.ru. Here the borrower has a real chance to find a suitable, honest investor.

You can look for lenders through acquaintances and friends. Perhaps, among your loved ones there is a private person who is ready to lend money at interest.

However, the best decision would be to find a suitable investor on the mutual p2p lending exchange. There are more than 20 similar exchanges in Russia, but only a few are popular among borrowers and lenders: Vdolg.ru, an exchange based on the Webmoney service, Zaymigo, Creedbury, Fingooroo, etc.

P2p lending is implemented using Internet resources. Any individual who is ready to lend or receive money can register here. The service takes care of all documentary formalities, as well as checking the potential borrower.

Contacts and phone numbers of private lenders

How to check a lender so as not to fall for a scammer?

As a rule, private lenders are sought out by borrowers with debts to banks and open enforcement proceedings with bailiffs. Such people are mostly intimidated by security bankers and debt collectors, and therefore are ready for any adventure just to get the coveted amount. This is understood by scammers who brazenly profit from the hopeless situation of people. It's easy to vet a potential lender.

First, read reviews about it on thematic sites, just enter the name/phone number/email address/ into a search engine. If contacts appear in advertisements under a different name, with different conditions, etc., then this is a 100% scammer.

If a private person asks for an advance payment in all its forms (notary fee, transfer fee, loan insurance, credit history check, etc.), then you are looking at a 100% scammer!

If you haven’t found anything negative about the lender on the Internet, he doesn’t ask for an advance payment, etc., you shouldn’t relax. Perhaps the catch lies in the loan agreement itself. A couple of nuances in the contract and you can lose the collateral the very next day after receiving the loan. For this reason, the contract must be read very carefully, and if you do not understand some points, it is better to take it to a lawyer for review.

Now you know where and how to find money borrowed from a private person and not fall for the tempting bait of scammers.