In this case, you have a chance to take a credit product, but for some reason they don’t give it to you, you can contact a friend or relative you know and trust you. And if he is a worthy client, he can act as your guarantor. To pay the loan does not require any additional knowledge.
In this case, if you do not pay the bills, then they will not ask from you, but from it. But again, this is possible only in case of complete trust between you. Also remember that a credit account is not a currency account at a financial institution at all, so they should be used only as a last resort. And if you have a chance to spend your money, then it is better not to resort to banking services. After all, you have to give the money taken there, and with interest. Making a cash loan without reference is simple.
If you are officially unemployed or your salary is lower than legal, then you will not be able to get a consumer loan above a certain level. After all, consumer loans have their own characteristics, and banks will not take risks. The credit system, in the form in which it is represented in our country, is quite poor. If it is used for financial fraud and deception of the population - doubly miserable. In developed countries, from a moral and financial point of view, a loan has always been given without interest or with a negative interest. This, of course, applies mainly to social programs that have a non-commercial basis, but who prevents us from starting with such programs with us. Loans in the Russian Federation are now easy enough to take, and on good terms. But this applies mainly to the consumer market. For large projects that are trying to develop our young associations and organizations, we need special government support.
Credit always increases the price of the goods. In addition to artificially increasing prices by an entrepreneur who wants to get as much working capital as possible, the credit system leads to an inevitable devaluation of the national currency. This mechanism is quite simple. If money becomes a commodity, on which the work of banks is built, the system bites itself by the tail, the production of goods does not occur, a default occurs. If the bank is European, and there is practically no production in the country, the default comes even faster.
