The question "where to get the money?" Periodically worries every person. Often there is a need for additional funds, caused by the desire to== purchase a thing or pay for a service when there is no money at all or there is not enough money. And if you can still wait with the purchase, then there are situations when money is needed right now. Fortunately, today there are many solutions to this problem, for example, any moment you can get a 1000 dollar loan. Which one is right for you depends on various factors: what amount is needed, how long you are going to return it, how quickly you need money, etc.

Currently, banks continue to play a major role in the retail lending market. For modern Belarusians to solve the problem of lack of own funds with a bank loan has become quite commonplace. However, people do not forget about more traditional ways to borrow money, for example, borrow from friends or acquaintances. And there are several reasons for this.

Many borrowers are frightened by the conditions for granting loans by banks and the requirements that banks make to customers. For example, a number of Belarusian banks impose restrictions on the age of the client, almost all require a permanent job, a certificate of income and collateral for a loan. In addition, the process of obtaining a loan may take some time.

Despite the fact that some banks offer loans in just a few hours or even minutes, however, in most cases, the time period for reviewing documents may take several days. Yes, and interest rates on loans, both in rubles and in foreign currency, together with various commissions, may seem too high for many (the real effective rate ranges from 12 to 27.9 percent per year and from 10.9 to 19.2 percent in foreign currency).

However, the indisputable advantage of a bank loan is the ability to receive almost any amount of money that your income level can count on. In other words, the bank cannot refuse you due to the fact that it does not have the amount that you need.In addition, recently, banks have come up with many attractive offers, thanks to which obtaining a loan has become as simple as possible. For example, having received a credit card at the bank once, you can use credit resources as necessary and you do not need to go to the bank every time. This is very convenient when there is a periodic need for a small amount of money.

To summarize the above, once again we list the main ways to borrow money:- apply for a one-time loan at a bank or a credit card;- borrow money from friends, relatives or good acquaintances;- conclude a loan agreement with an individual at interest;- take a loan in a credit union;- get a loan in the form of electronic money via the Internet;- pay for goods or services purchased in installments.Summing up, it should be noted that out of all the considered options for obtaining money, it is difficult to choose the most optimal one. It all depends on what conditions you are in and what is of paramount importance to you.

In terms of design, the easiest way is to borrow money from a friend or friend. This option is best for those who need a small amount (for example, $ 100) and are ready to return it as soon as possible. In this case, you do not have to pay interest. However, for this you need not only to have a good relationship with your acquaintances, but to earn his trust in you, and if it is impossible to repay the debt on time, to be able to convince a friend that this happened for reasons beyond your control and you could not foresee this.

If you need an amount of, say, $ 1,000, and among friends and acquaintances who do not want to borrow it, you can contact the credit union or conclude a loan agreement at interest.

In the case when you have a need to buy a car or buy an apartment, the most reliable option is to take a loan from a bank, and if you experience a chronic lack of funds, you can apply for a credit card. You can also solve the problem of lack of funds to pay for goods by purchasing it by installments.