How do you lend someone your money?
A friend or family member asked you for a loan? What rules must be followed in order not to be deceived, while yellow pom c family member, a friend or a friend?
Certainly, each of us has been asked to borrow money at least once in our lives. It’s usually not about a large amount, but rather symbolic support that can help the other party. However, not everyone is aware of how the entire transfer procedure should take place. It is important to secure the interests of both parties, as well as purely formal considerations.
Under the bed financed better safe than sorry. In detail if m Overall Wimy about borrowing money. It is worth maintaining common sense and ensuring the security of the transaction.
What do we borrow for?
We have various shopping needs. We never know the day or hour when we will need an injection wki got a bed. At any time, we may be caught by a sudden illness, the need to renovate the apartment or repair the car.
Most often, however, the Poles borrow in order to op łaceniu rent for an apartment or bed in the accounts for television, internet, pr AD or gas.
Less often, there is a situation when the money from the loan is intended for investment. Each of us can still hit the occasion, kt yellow Reg is not going to pass, and to the full success łnego missing a specific amount.
Our compatriots are increasingly using someone’s financial support. According to data presented by the National Register of debtor of the debt has been or is even 15 million ó ó in the Pole, and so far in our country signed up 40 million ó ó in the crowd of commitment appropriations.
From year to year, this number is gradually increasing, and this is naturally due to the increasingly broader loan offer available on the financial market. Average debt Pole in bed is now more than 50 000 PLN per person, and the amount of total debt in all of Borrower experts estimate already a billion conc a bed in a 600 zlotys.
How to borrow
It’s more about a mental attitude when you make commitments than money. It is crucial to maintain common sense and get rid of emotions, kt yellow’re not in such a situation are indicated. Before signing the loan agreement, you should carefully analyze your financial situation.
In practice, this means making a financial examination of conscience. It should make a list of your monthly income can bed in and wydatk in bed. The second of them grouped into fixed LE necessary in everyday life, unexpected, and entertainment-related. The most important thing is being honest with yourself. We write more about this in article 3 of the iron rules for informed lending.
Thanks to their use, we will reduce the likelihood of getting into even more trouble, including a debt loop. We explain the essence of the latter in our older material entitled How to avoid a spiral of debt?