When concluding a loan agreement, there exists a rule that money is returned, and the lender must receive remuneration (interest) for the use of unauthorized personnel. Penalies may also be presented for violation of the persuasion, for example, percentage of non-payment on time.
1
The loan agreement is allowed to be issued in arbitrary writing. The document contains the identities of the Contracting Parties taken from passports. The amount of loan is entered, as well as the percentage that the lender will receive as a remuneration.
2
The agreement indicates which percentage should receive a lender per month or year, and the period of time during which the entire amount will be returned. In the absence of the date of return, the debt return period determines the legislation - 30 days after the official claim of the creditor on the return of funds.
3
In the contract or receipt, the phrase is prescribed, which should be non-alternatively indicate that the borrower accepted money and guarantees to return with interest. These receipts are fundamental for presentation in courts in case of violation by one of the companions of their obligations. The legislation does not insist on the notarization of the transaction, but at the request of one of the companions it can be done.
5
If there is no interest in interest in the document, they are determined by the bank interest rate in the area where the lender is prescribed. However, if the bill of interest is not provided in the bill, and the loan does not exceed the fifty-time minimum payment, the contract is considered interest-free.
6
The parties coordinate the formula for calculating interest and bring the result of agreements to the Treaty. Remuneration can be calculated from the amount of debt or from the amount of debt, taking into account the bet. Fixed or floating rates can also be taken into account.
7
By default, interest paid once a month throughout the payout. Another option - percentages are paid once, but completely over the entire period of payments, or immediately turn on to the returning commune. Interest should be within reasonable limits, otherwise, with trial, they will be considered accepted under pressure.
8
A private loan is often unprofitable compared to banking due to high interest rates. Moreover, it is not accepted to bargain with a private lender - it can immediately refuse the deal. On the contrary, there are bank programs that allow you to reduce interest on the loan.
9
Banks reduce interest rate on a consumer loan for regular salary customers, when making an application through Internet banking and positive credit history. Also, the lender agrees at a low rate, if you offer the security deposit or there is a guarantee of legal entities who are not related to the employer of the borrower.
To obtain a loan with low percentage, you can search for banks with relevant offers. Banks are striving to evaporate at the expense of manuals or legal entities, but sometimes they lure new borrowers and offer attractive conditions.
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