Loans from private individuals often pose major problems, it is better to avoid them.
When you buy electronics you want to know as much as possible about its manufacturer and parameters, as well as read user reviews. Before you decide to marry, you want to know the details of your partner. And when it comes to a loan? The key is not only the data on it, but above all on who actually provides it. It is also true that you can come across quite often with private individuals.
Online advertising is definitely not recommended at all
Short and austere information that offers tens of thousands of loans and contact phone. Such an offer is already quite misleading, because you know basically nothing about the provider. It is not clear about the total interest that you should know before any personal meeting. At other times, you can also meet a fraudster who only collects a few cartoons and then mysteriously disappears. You will lose a few hundred, but sometimes a few thousand, too – so beware where you actually borrow! Advertising in the press without any personal data is undoubtedly very risky.
What should we be very careful about?
The offers of individual insolvent providers are similar literally to egg eggs. The texts are full of grammatical errors and are often just bare sentences. Very often, the provider does not even provide his identification number, so it is virtually untraceable in domestic Internet waters. Nor does it provide information on its headquarters (or residence), it really only gives the phone, or even the region in which it operates. Draft contract by email for study in advance? Do not expect anything like this at all, while proven entities should act with all obvious. For example, in the real estate sphere it is almost a necessity. Isn’t there a better proven company after all?
Loan advertising must be of a high standard
No promises, no promissory notes. When it comes to advertising loans, there must be a certain level that cannot be discounted. How do you know a provider that is fair and very likely to be reliable? There are a few simple clues, for example.
- Headquarters at a specific (and of course representative) address, very often in Prague.
- Well-designed website where you can easily find all the essentials of the loan.
- No advance fees! A few hundreds in advance does not even amount to a transparent act.
- There is a lot of information about the history of the business. Independent reviews, quality online calculator.
So, to sum up, a loan without a register in the non-banking sector will definitely be a better option than a bet on an unknown person you don’t even know his name about, do you? If you do not find a company to lend you, there is certainly a clear reason in the current legislation. In the bank you have to prove your creditworthiness, in the non-banking sector you need at least some employment. You probably can’t afford a loan and it would be a mistake to fall into the snares of private users or people who force you to sign a bill for a large sum. Then you easily lose your home or a substantial part of your property, basically with a single signature.
You can borrow easily, just by mobile
In modern times, a loan agreement is extremely easy to make. SMS loan is available day and night, every weekend or holiday. Just whenever you remember, the administration associated with it is always a matter of minutes. Why then bother to meet a person you do not know and discuss with them about tens of thousands of dollars? After all, there is no point in such behavior; there are other – and safer – paths of life.