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Если речь идет о совсем незначительном количестве денег, то сроки зачастую могут быть неопределенными, и в таких ситуациях речь обычно об расписке не идет, а деньги друзья или родственники дают под честное слово.

В любом случае при таком займе срок возврата денег можно изменить, позвонив знакомому человеку, попросить об отсрочке. Очень часто родственники и друзья соглашаются подождать, а если они не согласны дать отсрочку, то все равно никак не могут повлиять на ситуацию. Друзья не смогут испортить кредитную историю должника, начислить пеню и т.д.
http://mrbison.imotor.com/viewthread.php?tid=200197&extra=
http://bbs.zsyushan.cn/home.php?mod=space&uid=89709
http://anytkafol.blog.cz/0904/family-fun-day-march-19-2009#komentar158098071

http://www.matthewrosencransli.com/hello-world/#comment-29
http://cloudsoflullaby.iobloggo.com/

Почему люди предпочитают брать мини кредиты в банке.

Но на самом деле занимать деньги до зарплаты у знакомых - это далеко не всегда удобно. Почему многие люди отказываются от таких займов и предпочитают брать кредиты в банке? Во-первых, взять кредит в банке - это психологически более комфортно. Человеку не приходится просить. Так как с банком у него нет никаких других отношений, кроме финансовых, то в такой ситуации полностью отсутствует эмоциональный аспект. Просить же деньги у родственников и друзей зачастую бывает стыдно и некомфортно. Во-вторых, взятие кредита в банке требует от человека большей ответственности.
Это помогает должнику относится к выплатам более серьезно. Очень часто, занимая деньги у друзей и родственников, люди провоцируют скандалы и ссоры, портят отношения в своем круге или семье, потому что просрочивают выплаты. Взяв кредит в банке, человек не желает платить пени или испортить свою кредитную историю, поэтому старается выплачивать задолженность в срок. Кредитный договор имеет большую юридическую силу. Невозможно избежать погашения кредита, который человек берет в банке или финансовой организации, так как в данной сфере существует специальная система штрафных санкции. Известно, что процентные ставки не нравятся очень многим, однако выплачивая их человек избегает негативные эмоции, которые очень часто сопровождают дружеские займы. Все отношения между заемщиком и банком носят чисто финансовый и юридический характер, и регламентированы договором, что позволяет избежать каких-либо разногласий и недоразумений.
<a href=http://autoreflex.ru/kredit-on-lajn/>Возьми микрозайм онлайн</a>

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