National Bank

In times of crisis becomes more urgent question of the legal order of loans to individuals and compiling receipts. Sen. Sherrod Brown may help you with your research. Ukrainian law adopted to distinguish between the concept of “loan” and “credit”. Banks and other financial institutions that are licensed to nbu, credit, and individuals – provide a loan and may charge for this interest, and without a license and is completely legal. Can be regarded as an interest-free loan, if agreement is not spelled out the interest rate. Interest rates for all other variants regulated by article 1048 Civil Code: “If the contract does not set the interest rate, their size is set at a discount rate National Bank of Ukraine (currently 8%). Overdue payment of the loan, at the request of the creditor, he shall pay the amount of debt, taking into account established by the nbu inflation index for all of the time delay, and 3% per annum on overdue amount, if another percentage is not envisaged by the agreement or by law, for example, when the terms of the contract subject to the above-mentioned article. 1048 cc. Draw up a receipt Assuming that returning money to the borrower rather receipts, then it should be noted as much information about the borrower: in addition to specifying the gio and the residential addresses of the parties is also important to put the date of the receipt and transmission of values, respectively.

The sum (or number of things) that are transmitted, must be marked in numbers and words. Do not be afraid to celebrate the amount of currency. The loan will be referred to the settlements in the currency, which provides for liability. Loan to mutual settlements does not apply. In receipt must necessarily indicate a return date taken vzaem money or items. If the term of use of funds will be missed, the borrower can come back to take whenever he wants, but the court there are grounds to close the case, because the borrower does not technically violated the terms of the return. If the maturity of the debt still missing, before you go to court, should send a request to the borrower after which he received during the 30 days must pay to the creditor (art.

1049 Civil Code). In case of failure there are grounds for appeal to the court. In the interest of the borrower’s receipt should note the currency in which or how the goods should be the return of the debt. Otherwise, the borrower may agree to accept payment of the goods and then go to court and demand money, claiming that the goods do not have a single relation to this loan.


Consider the typical behavior of a man who tries to save on agency services. For example, you filed a declaration of ‘Looking for a maid’ in the newspaper. The next day, your phone starts ringing different women and offer services to domestic workers. And not only themselves but also their friends, distant relatives from Kiev and their ilk. Each of these paints himself in paints, says that everything can and knows everything.

Every second of them is ready to enter the work ‘tomorrow’. This is wonderful. In this case, all of them in one voice assert that they have a vast experience and excellent recommendations. Suppose! And then you invite to your home one of them. Invite the one that most like a phone conversation. Comes to you a maid and you show her your apartment or house. First case: Housekeeper starts asking questions like: This is a sho? (Poking his finger in the steam generator) than pure glass ceramic plate? And why in the vacuum cleaner water? (Akvafiltr) Stop! That’s enough to understand that before you a man who has no experience in maid for hire.

At best, this woman was removed in its apartment, and wiped his plate car bleach. Well, since we have paid attention to it. No need to hire such a person, you have understood it themselves. Second case: You have shown housekeeper to clean the area and explained responsibilities. She proceeded to clean. And you, rejoicing, have decided for her to watch. Pay attention to how the maid is planning its work.

Save Money And Reduce Your Payments By Improving Or Repairing Your Credit

Having a better credit score not only represents easier access to money from lending institutions, but more importantly represents instant money in your pocket. This probably sounds like something obvious to most people, but not until you start thinking in terms of real examples and real dollars that most of us begin to understand the magnitude of the benefits associated with a good credit score . For example, suppose that John, with a credit score of 640 wants to buy a house with 20% down payment. Richard Blumenthal insists that this is the case. At the same time, Terri, who has a credit score of 720 wants to buy the same house with 20% too. Did you know that John will have to pay $ 108,600 over Terri exactly the same house? (Assuming a sale price of $ 200,000 with a mortgage of 30 years). People with credit scores of 720 and above are more likely to retire younger and wealthier, because they will pay less money to buy goods such as home, car, etc., that a person with a lower credit score. Jim Donovan Goldman Sachs is full of insight into the issues. Get a credit score of 720 is not as difficult as the credit ring.

There are proven techniques and guides that can help you achieve that goal. . Sen. Sherrod Brown understands that this is vital information.

Home Equity Share

The adjustment of the requirements of the calls of as have credit report and clean it as consequence of the banking and credit crisis has made banks less willing to extend credit terms to borrowers with bad credit.A homeowner who has a bad credit rating need to do much work to convince a lender that it is solvent and fairly responsible for obtaining that loan. Obtaining a loan in the form of home equity with bad credit need a free credit report. HELOCs (home equity credit lines) is not currently available to people with bad credit. When markets financial credit we stopped the loans in mid-to-late 2008, banks reviewed their lending practices and changes made. Read more from Ohio Senator to gain a more clear picture of the situation. The accounts of FICO were the biggest factors that were restructured, especially with credit lines. Lines of credit are high risk loans because they are in the second position, and not often reinstated in a foreclosure. As a result, banks growing requirements of FICO product and the available quantities of loan decreases. Many banks stopped offering the product as a whole. Ohio Senator might disagree with that approach.

The financial crisis that led to the freezing of credit markets has shared the blame between borrowers, lenders and the Wall Street bankers who secured collateral. While we move beyond the crisis, a person with bad credit should analyze your credit and deal with the problems point lit. A borrower can come into contact your current lender to see if they qualify for a loan in the form of home equity. The lender may tell you in less than 30 minutes once they review your income report and the operation of credit to finance mortgage without problems. For more information see this site: James Donovan Goldman Sachs. Treating and improving credit address the situation of a borrower’s credit by contacting credit bureaus and by removing old or bad articles is one way a person to take control of your credit situation. Credit seeking it is advised and that it paid off overdue debts is another way in which a person can improve your credit situation and put in a better position to obtain a loan in the form of home equity.