In recent years, Russia has seen a boom in the development of credit institutions. The reasons for this were the global financial crisis and some changes in the legislation of the Russian Federation. Now many people are wondering: "Where can I get money for free?" Due to the overcrowding of the credit market with various offers, banks are forced to take steps to provide their customers with convenient credit programs.
Many unfair commissions and payments are a thing of the past. Now it’s more important for organizations to retain a client than to receive several additional payments from them and lose forever. A vivid example from this area can be called a commission for issuing a loan. Previously, in order to get money on credit, a small amount had to be paid, which led ordinary consumers to bewilderment and rage. Now the vast majority of banks do not charge this commission. In addition, fees for cash withdrawals at the bank's cash desk, for cash withdrawals at ATMs of other organizations disappear.
Where to get the money urgently
One of the easiest ways to get a loan is to get a credit card. This simple way will help solve pressing financial problems. If suddenly for some reason the consumer does not have enough several thousand rubles to buy a new washing machine, a plastic card can always come to the rescue. Now you do not need to ask yourself: "Where to get the money for free?" The answer lies in the grace period for using the card. Almost every one of them suggests using the bank’s funds for 50-60 days completely free of charge. Of course, if this period is exceeded, up to 40% per annum will be charged on the amount taken, but if you return the money on time, there will be no penalty.
Where to get money on credit
In addition to plastic cards, consumer loans are an excellent opportunity to get a loan. This service can be found in almost any bank. All programs of this kind can be divided into 2 large categories:
- Targeted - when funds are issued for a specific purpose described in the contract. Having received such a loan, you no longer need to ask yourself: "Where can I get money for free?" The bank will transfer the necessary funds immediately to the account of the company providing the service.
- Unearmarked - when funds are issued in cash at the bank's cash desk. In this case, the financial institution does not monitor their spending. Such a loan requires only timely service.
The package of documents that must be provided to apply for such a loan program can be found at the information desk of any banking organization. Usually it includes: passport, application form, any second document, surety and collateral. You can, of course, do with a smaller amount, but then you should be prepared to pay the hung interest rate on the loan.
In the modern world, the question "where to get money for free" can have many different answers. All of them advise wisely and use credit funds of banking organizations. With proper program management, you can use huge amounts of money without overpaying a dime.