Or complete absence. What way out of this situation is there? First of all, you can find an intermediary who took out a loan for himself and simply transferred the funds. This procedure is called credit donation. It is extremely popular around the world. It should be said that the demand is constantly increasing, as the requirements of banks are constantly becoming stricter.

How to find the right person?

You have two options: act independently or turn to an intermediary. What advantage does the first option have? You can save some money on the services of a less-than-needed specialist. But they turn to an intermediary quite often because they need to save time. Demand leads to the emergence of a large number of scammers. And the intermediary will help reduce risks. Much depends on the locality where the borrower is located.

In addition, intermediaries know the credit donation market; they have a special database of scammers that you should never contact. Just look at local forums, groups, social networks. Are you ready to trust local “donors” and take serious risks? Then you won't need to turn to intermediaries.

What are the advantages of credit donation?

Many banks have many very serious requirements. Very strict age limits. Certain banking institutions do not issue loans to persons under the age of 25 and over 60. This situation often cuts off a huge number of potential borrowers. Of course, you will have to overpay a little for help, but you can choose the most suitable bank with favorable conditions. With the support of the “donor”, ​​bank employees will definitely issue a loan. You can make an appointment in advance to choose the most optimal offer on the loan market.

It should also be said: many “donors” are well aware of how the banking sector works. If this is a decent person, he will conclude an agreement on the most favorable terms. For whom might credit donation be the only way to receive borrowed money? Primary for those who work informally. The main requirement of banks– provision of income certificate. Other supporting documents are required, which are extremely difficult to obtain. You can also make a lot of mistakes by taking out expensive insurance. Therefore, the service is often used by people who have little understanding of banking rules.

Are there any disadvantages to the service?

There are serious disadvantages. The first disadvantage that you will definitely encounter is the difficulty of finding the right person. The donor may be suitable, but the candidate will flatly refuse to cooperate. It is especially difficult to find a suitable candidate for those who have never used such services. Clients must understand the seriousness of the risks; the described procedure is officially illegal.

Financial expert Vladimir Kuzmenko said: “Contracts contain many pitfalls, everything needs to be carefully double-checked. Additionally, there is a risk that the deal will fail.”

In addition, we must not forget that you will have to pay for the credit donation. Now the price is increasing significantly. The current situation is related to the growing popularity of the service. Therefore, many who find out the cost of mediation simply refuse to cooperate. The cost includes the personal time of the “donor” and existing risks. If you take all this into account, you will understand that the price is quite reasonable. Let us summarize the existing shortcomings:

1. High risk.
2. You will often have to seriously overpay.
3. Finding a suitable intermediary is quite difficult.

Conclusion

Statistics show that the proportion of spoiled ones is constantly increasing. The main reason is the economic situation. Experts predict a massive increase in credit donation; one donor can take out several loans at once. They expect the share of brokered loans described to rise to 5% or even higher. How to fight? Just make the requirements for obtaining a loan simpler, preserve the history after the first delay, and meet your clients halfway.

Credit donation: advantages and disadvantages was last modified: April 4, 2017 by Alexander Nevskiy

Loans up to 100,000 rubles

• up to 100,000 rubles
• 1 year.

Consumer loans

• 50,000 - 3,000,000 rubles
• up to 7 years

• 1–25 million rub.
• 6–30 years

It is difficult to find a person who does not need borrowed funds at some point in his life. Indeed, bank lending is so popular today that you can take out a loan quite simply if two conditions are met: the borrower must have an official “white” salary and a positive credit history; the path to the bank will be closed to all other potential borrowers. But for those clients who are unable to take out a bank loan on their own, there is one reasonable way out of the situation - this is to search for a loan donor. It is for them that the question of how to find a loan donor will be relevant, we will try to answer it.

Who is a loan donor?

The concept of a credit donor appeared not so long ago, so many people do not know what it is. Quite often lately we have come across advertisements with similar text: “I’m looking for a loan donor” or “I’ll take out a loan in my name.” In fact, you should not confuse a credit donor with a broker; the entire broker is an intermediary who, according to your data, selects the most reasonable loan option for you, respectively, after the credit broker provides you with the result of his work. Next, you independently apply for a loan from a bank in your name, and pay the intermediary a certain fee, for example, 5% of the loan amount.

A credit donor is a person who takes out a bank loan in his name and transfers the funds to the recipient, that is, the customer.

In this case, the debt obligations for repaying the loan fall under the agreement with the bank in the name of the borrower, and he, in turn, shifts his obligations onto the shoulders of the customer. That is, in essence, a credit donor is an intermediary between the bank and the borrower.

Important! The services of a loan donor are paid, that is, the customer will need to pay a certain amount to receive loan funds.

Transaction process

By the way, the recipient in this case is a person who, for a number of reasons, cannot obtain a loan from a bank and needs the help of a donor, that is, a person who has agreed to take out a loan in his name with the subsequent transfer of funds.

So, after a loan donor is found, he will need to contact the bank and apply for a certain amount of funds on loan in his name. If the decision is positive, the borrowed funds will be transferred to the recipient on the basis of a promissory note. As for payment for services, it is set individually, that is, the borrower sets a certain amount or percentage of the transaction, which can range from 10 to 50%.

For example, if the donor took out a loan of 1 million rubles for a period of 10 years at an interest rate of 17% per year, then he immediately receives a profit of 30% or 300,000 rubles, the recipient receives 700,000 rubles in cash plus a debt for 10 years with a monthly payment of more than 17,000 rubles, and in total he will pay more than 2 million rubles.

From this we can conclude that credit donation is a profitable business, albeit a high-risk one, because if a person cannot get a loan from a bank, or, more precisely, lenders refuse to issue borrowed funds, then there are a number of reasons for this: or he is an unscrupulous borrower or does not have a regular source of income. Accordingly, the donor cannot be absolutely sure that the recipient will fulfill its debt obligations.

By the way, you should not overlook the fact that it is important to correctly conclude an agreement between the customer and the contractor, that is, both parties must write a receipt indicating the amount of debt and remuneration, the payment procedure and the resolution of disputes. But in no case should the receipt indicate the fact that the lender is lending borrowed funds from the bank. It is also necessary to indicate that the money is issued at a certain percentage with a monthly payment and, accordingly, a payment schedule.

Why do you need a receipt? This will help the creditor in the future to return his own funds through the court, for example, if the recipient at some point finds himself paying on the loan.

Where to find a loan donor

In fact, the question is quite complicated, because it is assumed that this is not a completely legal scheme for obtaining funds, so the issue should be taken quite seriously. Credit donor services are offered by both respectable people who want to receive a portion of their profits and scammers who want to receive an advance payment.

In fact, you should start looking for a person who is ready to take out a loan among your friends. Perhaps among your friends or relatives there is a financially wealthy and solvent person who can get a loan with a minimum kickback. In this case, both parties to the transaction receive certain guarantees. If you don’t have a loan donor among your friends, then you will have to turn to the help of the World Wide Web.

In fact, there are several services online for finding donors and recipients. You can find such a service using the Yandex or Google search engine, enter a query in the search bar, for example, “need a loan donor urgently without prepayment.” Next, the system will give you several results, carefully study all the offers and select a real donor.

Please note that you should look for a loan donor in your city or region so that it is convenient to issue a receipt and receive borrowed funds.

Be sure to carefully study all offers; for sure, a high-quality service provides some information about its registered users, including its contacts, for example, email address and other information, so that the user can verify the purity of this transaction.

Do not forget that such advertisements can be found in groups on social networks, for example, VKontakte. Try searching for a donor through social networks. Moreover, here it is possible to obtain information about registered users; simply view the account of a potential recipient or donor in order to draw certain conclusions.

How to become a loan donor

If we consider the situation from the perspective of a donor, then this is a rather profitable business, as mentioned earlier, because you can receive funds in a short time, and a large amount free of charge. You just need to apply for a bank loan in your name, then transfer your debt obligations to the potential recipient. Here, too, the main task of a potential donor is to find the recipient correctly.

Where to find a donor is also a rather difficult question. You can place an ad on specialized platforms or social networks or in other sources where your ad can be found by a potential recipient. But this is not the main task, because it is important to choose the right responsible and respectable person.

First of all, you need to understand that you are always at risk of non-repayment of borrowed funds. That is, you do not have a 100% guarantee that the borrower will conscientiously fulfill his debt obligations and repay the loan on time. And in the event of an overdue debt, the bank will demand payment from you, and in order not to spoil your credit history, you will have to repay the loan, and then, through the court, collect the amount of debt from the recipient. But this will be difficult to do, and the process may drag on for several years.

• with persons without permanent registration on the territory of the Russian Federation;
• with citizens without a stable source of income and above average education;
• without property that can act as security;
• with beginning businessmen who do not have start-up capital.

By the way, the donor should pay attention to the fact that the recipient’s real estate can act as collateral for the loan, that is, according to a promissory note certified by a notary, a mortgage document can be drawn up; accordingly, in the event of non-payment of the loan, the donor acquires rights to the collateral.

Another point is that registering a transaction with a notary requires certain costs; who exactly will bear these costs is discussed individually. In fact, such a transaction as obtaining a loan through a third party is not regulated by law; accordingly, all the nuances of the agreement are determined by mutual agreement. In simple words, the donor and recipient individually negotiate the terms of mutual cooperation, because, in fact, their relationship can only be based on a promissory note; accordingly, it will contain all the essential conditions, rights and obligations of the parties.

Legal or not

In fact, according to the terms of bank lending, borrowed funds must be used for the specific needs of the borrower, that is, the bank does not directly issue a loan to a person for the purpose of transferring funds to a third party.

In simple words, of course, you can use borrowed funds from the bank at your own discretion, but the loan will still have to be repaid directly to the borrower who signed the loan agreement with the bank. The recipient does not participate in the transaction between the bank and the borrower, he is not obliged to repay the loan, and the bank, in turn, cannot make any demands on him.

A private loan agreement is a completely legal transaction, that is, one individual transfers funds to another on the basis of payment, urgency and repayment.

One party receives funds at interest with the condition of their return within a period specified in the agreement with the payment of a fee. That is, if you add up all the factors, then credit donation is not directly prohibited by law.

Advantages and disadvantages

Undoubtedly, the transaction between the recipient and the donor will be extremely beneficial for both parties. The donor receives a profit in the form of a “kickback” for taking out a loan from the bank; this procedure will not take much time, and the profit from this will be significant, depending on the loan amount and interest, which, by the way, he himself determines. The recipient, in turn, receives the amount of funds he needs, which he, for a certain number of reasons, cannot arrange himself at the bank. The disadvantages of the deal are the high risk. The donor's risk is quite high; he may at any time become a debtor to the bank on a loan if the customer does not pay the bank the monthly payment amount on time. In this case, he, of course, can go to court and collect the amount of the debt, but while the proceedings last, he will conscientiously fulfill his obligations to the bank and pay off, in fact, someone else’s loan. In addition, if the borrower is declared insolvent and has no property, his debt may stretch over a long period of time; accordingly, the donor will repay the loan independently from his own funds.

That is why it is recommended to take collateral for a large loan.

Also, do not forget that the credit donation service is an ideal fraud scheme, which means that it will be extremely difficult for a person really interested in cooperation. If you really want to act as a loan donor, then leave your suggestions in the comments to the article.

It often happens that when you apply to a bank for a loan, you receive a refusal. The reason for this may be late payments, high credit load, bad credit history...

And the question arises: “What to do if the banks refuse, but you need money urgently?”
For such cases, in the city of Moscow there are services of a credit donor.

How it works?

If you are rejected by a bank or microfinance organization, then you need a person who will take the loan himself and transfer the borrowed funds to you, while retaining his interest. This person is called the “loan donor”(hereinafter referred to as “CD”). As a rule, an additional agreement (notarized) is concluded between him and you, in which you undertake to the credit donor to pay funds to the bank without delays or delays.

Many CDs have extensive connections with banks and higher lending limits than those of a regular borrower. This is due to the fact that the donor takes out and repays loans very often, so banks are very likely to issue new loans to him.

Moscow. How to get money from a loan donor?

It's simple. All you need to do is leave a request for CD services at the bottom of the page. Please note: be sure to indicate a valid email address or make sure your email is spelled correctly, as... This is where credit donors will send you their offers.

Beware of scammers! Not all loan donors work honestly. If they send you an offer asking for an advance payment, under the pretext of paying a bank commission, paying for notary services, etc. - do not transfer any money “forward” - this is fraud.

Are you looking for a loan donor who provides its services in Moscow without requiring prepayment? Do you need urgent help? In this article you will find all the information you need.

So, first, let's talk about who a loan donor is: this is a person who takes on someone else's loan, applying for it in a bank or other financial organization. At the same time, for his service he assigns a certain monetary reward, in other words, a “kickback”, which can be from 30% of the loan amount and higher, conditions vary greatly from person to person.

When you borrow a credit card, loan or mortgage from a bank, lenders look at three pieces of information to assess whether they will make money from you - your application form, any previous dealings they have had with you, and, importantly, information about your credit reference files.

Most regular financial transactions and credit relationships you have are listed in these files, although student loans are not included. So the only way lending, credit card or mortgage providers will know you have a student loan is if they choose to ask for application forms. They can do this, and it does happen, but in general this is only for high value transactions like mortgages.

In addition, if you need money urgently, you can get them without any problems. At the same time, if you strictly follow the terms of the contract and make all payments on time and in full, you will also correct your history.

Schemes for obtaining loans have gained unprecedented momentum, people’s debt load is growing, banks are increasingly refusing to approve applications. However, this does not reduce the demand for loans. If intermediary services, for example, brokerage, have been known for a long time, then credit donation appeared relatively recently. This is a new type of service when several additional steps appear in the “borrower-loan” scheme.

In many ways, although the impact of taking out this loan is less than the fact that it is borrowing itself and reduces disposable income from repayment much more. So if you're trying to figure out what impact this will have, imagine that you simply had a salary reduction in the amount that you would pay for the loan - that's how lenders see it basically.

You're more likely to pay off this loan within 30 years before wiping it out than a secured loan

When you do the math and add interest since repayment is fixed based on profit, it turns out that only very high earners will clear it 30 years before the debts are discharged. The Postgraduate Master's loan, however, is a much smaller amount. And although there are lower payments, the math shows that you're more likely to clear it within 30 years.

Donors provide an opportunity for clients with a bad record, a criminal record, low official income, etc. They do this, of course, not for free. For such convenience, the client overpays a large amount, 2-3 times the loan received. Even despite this, the services of credit donors are in demand on the market, although they are illegal.

This is important to consider as it means, unlike students, where the 'price' of what you borrow is often unrelated to what you repay, postgraduate loans are more closely related - and you need to add interest on top. However, there are a number of key factors that influence this.

The higher the potential income, the more likely you are to pay it off in full within 30 years. The younger you are, the more likely you are to pay it off within 30 years. The less you borrow, the more likely you are to pay it off within 30 years.

Who is a loan donor?

This is an ordinary person with a positive credit history, a permanent job, a high income - exactly the type of client that banks like. He takes out a loan for himself and transfers the loan funds to a client who cannot take out a loan himself.

The terms of such a transaction are regulated by an agreement, the terms of which must be observed by all parties. Most often, donors work through intermediaries, which are organizations. Organizations are recruiting donors and looking for clients. For the donor, such an organization will be protection against non-payment of debt by the borrower. If the client does not pay the loan, the intermediary will pay off the debt in order to maintain a positive credit history for the donor, and then the debt will be “extorted,” sometimes in the literal sense of the word, from the negligent client. Debt collection methods are no different from collection methods and can be more severe.

You Can Pay Back Your Student Loans Early, But Should You Do Another Thing?

You have the right to pay off your student loan early - even while you're studying if you want, or, as is more likely, overpay after studying to clear it out faster. However, this doesn't mean you have to pay it off early. But just as importantly, your payments here are based on what you earn - great insurance if you lose your job or can't work as you don't have to repay it. Commercial loans don't do this.

So if you're planning on future borrowing, for example for a mortgage or car loan, it's worth asking yourself whether you should pay it off, only to then have to borrow back at a higher rate later. And even if it seems like your will, changing circumstances can affect it. Therefore, by overspending, you could simply be paying money that you would never need to repay.

Where can I find a loan donor?

Anyone you know or close relative can become a loan donor. This is the best solution for you in terms of price. However, if you do not pay the loan later, your relationships with family and friends can be ruined. You can find a donor in your city by posting an ad on a special credit notice board.

Where and how to get the required amount of money when your credit reputation is completely damaged? Who will provide the client with such services and help them get a guaranteed loan? And who are credit donors, how can they help a co-borrower and should they really be trusted? We propose to consider all, and not only these questions, in this publication.

A credit donor is a person who has a positive credit reputation and is ready at any time to take out a loan for another citizen. In the Russian Federation, credit donation emerged relatively recently, but is already characterized as a fairly widespread and popular financial service.

Persons who, for individual reasons, cannot take advantage of a bank loan (usually a bad credit history, criminal record, etc.) are forced to resort to the services of credit donors. Let us note that intermediaries such as brokers or others will simply be powerless in this situation, since only donors can provide real assistance.

Features of the work of a credit donor

Loan donors can work directly or through specialized organizations that provide donor services at the time of loan processing.

It is preferable for the borrower to contact a company that will select a good loan donor with an excellent credit reputation. However, the pricing policy for services in such companies will be an order of magnitude higher than direct cooperation without the involvement of third parties.

A potential client contacts a company that specializes in selecting a loan donor and undergoes a short interview. Afterwards, the company selects a loan donor for the client based on individual criteria and parameters.

The work of credit donors is carried out according to the following principle: the donor takes on a bank loan in the amount required by the customer. Next, the loan funds are transferred to the customer for a certain percentage of remuneration. Please note that the customer directly guarantees further repayment of the debt in accordance with the payment schedule established by the bank.

The loan donor charges the amount of remuneration established in the contract, and transfers the remaining funds to the company, which also takes a percentage of these funds for selecting the appropriate donor for the borrower. The amount that remains is transferred to the borrower.

When the borrower receives cash, he fills out a receipt, which will guarantee timely repayment of the donor's debt in full. This document also specifies the method of repayment: in cash directly to the company, to the credit donor, or by making a mandatory monthly payment yourself using the specified details.

​It is worth noting that credit donation companies operate exclusively on legal grounds, and in most countries of the world. There is an ideal legal basis for the work of such organizations, and persons who earn money from credit donation are fully and unconditionally legally financially secure.

All agreements are drawn up directly with the notary, and provide for a wide variety of options for developing the relationship between the credit donor and the borrower.

Oddly enough, it is the credit donors who are at risk when they decide to take out someone else’s loan. And if the customer does not repay the debt, the bank and collectors will demand the return of funds exclusively from the borrower - in this case, the loan donor.

Pros and cons of credit donation

Like any other form of lending, credit donation has a certain number of advantages and disadvantages. The advantages include:

• the possibility of obtaining credit funds for persons who, for personal reasons, cannot obtain a bank loan;
• this method of obtaining a loan is practically trouble-free and guaranteed;
• Confidential data of persons who receive borrowed funds in this way are not displayed in the information of credit bureaus.

Of course, this form of lending has its disadvantages, and quite significant ones. For example, it is necessary to note the fact of overpayment on a donor loan, and unlike a bank loan, it will be much higher. So, the borrower needs to receive 15 thousand dollars for a period of 12 months. In this case, in addition to a one-time payment of remuneration to the donor in the amount of about 30%, it is also necessary to repay interest for using the loan, and do not forget to make the obligatory payment on time every month.

What happens if the customer does not repay the donor's loan?

The outcome of this situation depends entirely on how the customer cooperates with the donor. If the direct method is chosen, then the donor will need to personally return his funds, and then go to court with a claim and an attached receipt from the customer to recover the funds.

If the customer turned to a company that provides credit donation services, then most likely the case may not go to court. As a rule, such organizations have their own full-time security services, which will deal with the issue of collecting funds from the customer. Another alternative option is for an organization with a client’s receipt to turn to a collection agency for appropriate assistance.