In our times of crisis and economic situation directly affects the welfare of all segments of society. This is felt especially when we begin to need a specific amount of money: to buy urgently property to pay children's education, pay off loans to start a stable business, etc. Therefore, the presence of many important question about the need to provide yourself and your family real financial support, which can very quickly take in every moment. From this position will review and analyze the existing system of bank lending. For this is the first step, which are many. Thus, the analysis shows that: 1) banks provide loans with high annual interest rates – up to 65%, and even more (with a variety of hidden fees), and 2) each turned to the banks for a client requires statement of earnings, sureties, mortgages, etc.

And This still is not certain that you will be given the required amount. And it takes enough time (and perhaps lost), 3) charge high interest on overdue loan repayments, and 4) there are certain categories of people who may not give credit: private entrepreneurs, reporting on a simplified system of taxation, health-MLM, with low wages, etc. And if, as a result of all this man still gets credit, he falls into the enslaving terms of the bank. We compare the lending terms of population in other countries, at least in the first paragraph: in Western Europe provides loans of 3-5% per annum, and in Japan and are issued at all interest-free loans. Western Union contains valuable tech resources.