In crisis situations, when the house budget is overweight and the savings have long since dwindled, the question is who borrows money. It is not easy to find money to repair a car, an unplanned wedding or a cracked tube in the apartment, and these are situations that require immediate reaction. Some would say, borrow money from family or friends, but what they do not know is that they risk risking their relationship irreversibly.
How to find who borrows money?
Good options are certainly banks that have the most diverse range of services tailored to the needs of their clients. They check the client’s creditworthiness and receive, settle debts and types of employment by determining whether someone is eligible for a fast loan, loan or loan. Banks will also take into account HROK’s report. HROK is a registry in which the database contains all user information on the debts of natural and legal persons on loans, credit cards, overdrafts, leasing and liabilities as collateral or guarantor.
The purpose of the HROK is to provide an easier and more accurate estimate of the current creditworthiness for each client individually, as the current financial liabilities would not be above the possibility of monthly annuity repayments. After a detailed check involving all of the above, the client agrees to arrange credit, the amount he needs and the interest rate at which he intends to return. All this is regulated in a written way that enables the transparent business.
If a client is not satisfied with the terms and conditions offered to him, he may always be able to apply for offers from other banks as well as a credit without a credit rating. However, it should be borne in mind that banks in their offer have short-term bids, especially with regard to interest rates and payment processing. It’s best to have such offers directly from your employees, and not rely solely on internet estimates because they may sometimes lead you to the wrong track.
Similarly to banks, savings and loan cooperatives also operate. Well, that can be an option for everyone who is wondering who lends money.
Credit houses in response to the question “Who lends money?”
If you are wondering who borrows money except the banks? – The answer is also hidden in credit houses. On websites and lighting columns throughout the neighborhood, there are ads where money is offered for money on all possible and impossible conditions.
With this you have to be very careful because you never know who is behind it. It is best to check with whom you have a job before deciding to take that step. Unreliable sources often offer an answer to the question “who lends money”, but offer unpaid money, so that money is often paid out physically so as to have no written evidence.
Credit houses that have the approval of the Croatian National Bank are a safer choice because they conduct their business in a professional and safe way. There are no small letters and misunderstandings, and any contract signed with them can be shown to a legal expert and asked for advice.
Is the family the best answer who lends money?
Practice has shown that in lending money, to people, family and friends are the least worthwhile option. Clean by fear that their relationship will change in the worst possible extent.
Unfortunately, it is a common case especially when it happens that the other party can not return the money for some reason. Therefore, the family may not be the best option if you are wondering when you are wondering who borrows money.