The average resident of Croatia is owed about USD 67,000. These figures are not surprising given that the average salary is about five and a half thousand dollar and the consumer basket exceeds six thousand dollar. It is no wonder, therefore, that more than 300,000 blocked Croatian citizens whose debt reaches a dizzying figure of USD 43 million. Most debtors are in the capital, which is logical given the population living there. However, according to the Financial Agency, the citizens of the northernmost county, Međimurje, whose average debt amounts to almost USD 360 thousand, are the most blocked according to the average amount of debt. Given the gravity of the situation, money is a topic that constantly revolves in all conversations, and increasingly the question is “Who borrows money?”.
Find out who borrows money
Taxes and surtaxes are increasing every day, and income is no longer sufficient to cover basic living expenses, so many people who find themselves in debt first turn to their family and friends. They are imposed as a logical answer to the question ” Who borrows money “, except for banks and other financial institutions. But it is a tricky situation because the relationship will irreversibly change whether we want to admit it or not.
Therefore, if money is borrowed from close persons, it is recommended that this type of money be borrowed in the same way as it is a loan from any financial institution. It is best to draw up a written agreement and clearly state the amount to be borrowed, the estimated repayment period and the amount of the interest rate, if any. In this way, both parties are protected in the event that they deviate from what is defined in the contract.
Who borrows money? – a bank, savings bank or credit institution
But it is irreversibly broken relationships, the reason why people are increasingly answering the question “Who borrows money” from a bank or credit house. They have no unpleasant questions where you spend all your money, why you don’t save for the black days, how you can borrow money and then spend it on such nonsense …
Banks have a wide variety of services to meet almost all customer needs. Prior to granting a loan, loan or loan, they check the creditworthiness of the client and determine, on the basis of income, regular debt settlement and type of employment, whether or not someone is suitable for borrowing money.
Before deciding on the best option, the client may ask for offers from other banks.
However, it should be borne in mind that banks also have time-limited offers. This most often applies to offers with an action price for real estate appraisal, the amount of the interest rate, and just the payment for processing the loan. Therefore, it is not only the offers that you can find on the Internet that should be relied upon, but also the banks themselves. Savings and credit unions operate on the same principle, which means that they are also one of the options for all who are wondering who lends money.
Credit companies also answer the question “Who borrows money?” Credit institutions licensed by the Croatian National Bank are a safe choice because they operate legally and legitimately. Care should be taken with credit houses that advertise on lighting poles and tram stations, as they usually offer the answer to the question “Who borrows money” but without signing a contract. Money is often paid into hands so that there are no written traces.