To borrow or get a loan? New trends in non-bank lending

Banks Finansy25-09-2007 to borrow or get a loan? New trends in non-banking credit bank loans - a thing not only treacherous, but also, at times, difficult. This situation is typical for all countries with developed financial sectors associated with global flows. In the U.S., the full course of developing crisis in the mortgage market. In Russia, amid rumors of an impending liquidity crisis, several banks to temporarily freeze lending to the population. However, every cloud has a silver lining - against the backdrop of bank passions begin to raise its head non-bank types of lending. In particular, the U.S. loudly about his agency said that orders lending of funds between loved ones - friends and relatives. Experts say that the business take hold in Russia and borrowing money from relatives - something common, and at first glance, cheaper. As a rule, among people close to ask is not accepted the interest for the use of borrowed money. However, such a "subsidy" loses banking services in the main: in personal relationships, which are becoming a major risk factor for both the lender and the borrower. First, the lender will have to make regular guest at Thanksgiving (the American specifics), and secondly, few untrained people can independently and objectively assess their (and especially strangers) ability to repay debt on time.