Use this calculator to calculate monthly payment amounts, effective interest rate which all banks are now required to indicate and overpayment amounts on loan. After completing the calculation, you will find out which part of the money goes to repay the principal debt on the loan, and which goes to pay interest.

There are two types of calculators. This calculator allows you to do both types of calculations:

• Annuity payment - equal monthly payments, including the amount of interest plus the amount of principal. This method of calculation is no more popular;
• Differentiated payment - payments that decrease towards the end of the term. Includes the constant portion of the principal plus interest on the remainder of the loan.

On our website you can use a loan calculator to evaluate various lending programs and also obtain a monthly payment schedule without contacting the bank.

The loan calculator presented to you is extremely simple compared to other similar services. Some of them may offer calculations in Excel by downloading a file, which in our time may seem anachronistic. This calculator takes into account the loan size, term, interest on the loan according to the program chosen by the borrower.

Lending for large sums is not very popular, since not all borrowers need these, and not all banks are ready to provide them. However, if a client needs a large sum to build his house, but he is not given a mortgage for this, it would be quite reasonable to take out a loan of up to 5,000,000 rubles in cash, inclusive.

Benefits of a loan

Undoubtedly the main advantage bank loan for 5,000,000 rubles – the opportunity to solve any financial problem or achieve the desired goal. Consumer loans are provided for the implementation of any consumer goals, and there is no requirement to notify the lender of expenses. Besides, Bank loan has many other equally attractive advantages:

• Relatively simple design. It usually takes up to five working days to process a large consumer loan in the amount of up to five million rubles. Some banks review the client’s application and make a decision on it in less time. However, to quickly obtain such big loan You shouldn’t count on it, since the lender will take the client’s verification as responsibly as possible. To save your time, it is recommended to submit online application on the lender's official website.
• Possibility of early repayment. Money in the amount of up to 5 million rubles is never issued for short terms, since otherwise the monthly payment would be tens of thousands of rubles. The comfortable repayment period for such debt begins at 10 years. However, over such a long period of time, a decent amount of overpayment accrues. To reduce it and also reduce the size monthly payment, you can use early repayment debt without fines or prohibitions.
• Flexible lending terms. Large loans for a long period usually have a low interest rate. Due to this, the overpayment is small, and the loan itself does not become too heavy a burden for the borrower. To evaluate your financial opportunities and calculate the exact amount of the monthly payment, you can use a special loan calculator. This tool can be found on the official website of any large bank. It is simple and easy to use.

It is impossible not to note such an advantage as the ability to offer the bank collateral in the form of property in order to significantly increase the likelihood of approval of the application. If you do not own real estate or transport, but you doubt your chances of success, then you can invite one or several guarantors at once.

Requirements for clients

Such a large loan is available to borrowers with large official income. Often banks require not only to confirm sufficient earnings, but also to invite a guarantor, or even several. An alternative option for securing a large loan is to pledge real estate or a vehicle.

Some banking organizations allow you to pledge both the borrower's property and the property of third parties as collateral, but with their prior consent.

Before applying for such a large loan and starting collecting documents, it is recommended to objectively assess your chances of getting approved by the bank. First of all, you need to meet the bank’s requirements:

• Russian citizenship and residence on the territory of the Russian Federation;
• Availability permanent residence or temporary registration in the absence of registration;
• age on the date of applying to the bank to receive money - at least 18 years;
• age at the date of expected debt repayment – ​​no more than 65 years;
• availability of sufficient official income with the possibility of confirmation;
• length of service at the current place of work - from six months, total length of service - from one year;
• for men under the age of 27 - having a military ID or exemption from the army.

You can see that there are quite a lot of requirements. This is not surprising, because lenders, when lending such large amounts, want to be completely confident in the solvency and reliability of their clients. Moreover, even full compliance with the above requirements does not guarantee approval of the application. A banking organization may reject an application due to insufficient income or poor credit history.

What documents are needed?

If you are confident that you meet the bank’s requirements, it’s time to start collecting documents. It will not be possible to get such a loan without any certificates, since mandatory You will need to confirm your official income. The best way to do this is to get a certificate in form 2-NDFL from your organization and submit it to the bank along with the following necessary documents:

• original and copy of all pages of the passport;
• in the absence of registration - a temporary registration document;
• if there is no certificate in form 2-NDFL - certificate of income in the form of the bank;
• a copy of the work record book certified by the employer's management;
• if you don’t have a work book, you’ll need it employment contract or a contract;
• military ID - required for men under 27 years of age.

Similar documents will be required from individuals acting as guarantors or co-borrowers on a large loan. Be prepared for what the banking organization may ask of you and your guarantors additional documents. It is better to listen to such a request. Otherwise, the loan may be denied.

Large loan for 10 years

Taking a loan of 5,000,000 for 10 years without collateral is problematic, since proof of income alone is not enough to take out such a large amount. Very profitable terms Binbank offers lending. You can get a loan in an amount up to 10,000,000 rubles. The maximum debt repayment period is 10 years. Interest rate quite high - from 20.9% per annum - therefore it is recommended to repay such debt quickly.

Another option to take a loan of up to 5,000,000 rubles in cash without certificates and guarantors for up to 10 years is to contact Sberbank of Russia. In this organization you can get up to 10,000,000 rubles for 10 years at an interest rate of 15% per annum. However, to do this you will need to provide your property as collateral, as well as confirm your income. Please note that Sberbank carefully considers the client’s application and pays attention to the amount of income.

Large loan for 15 years

Get consumer loan 5,000,000 rubles for 15 years can be obtained from the Housing Finance Bank. The loan is provided exclusively against the borrower's real estate. Maximum amount loan is 8,000,000 rubles, but not more than 80% of estimated value collateral

The maximum loan term is as much as 20 years, so if possible, you can take out a longer loan if you are not afraid of the amount of overpayment. For using credit money you will need to pay an interest rate starting at 14.99% per annum. In addition to providing security, it is necessary to confirm official income and length of work experience.

Now you have everything necessary information in order to get a large loan for any of your purposes. We invite you to choose a lender right now, fill out an application and get money!

Five million is a large sum of money. Borrowing such an amount from relatives or friends is very problematic. But today it is quite possible to take out a loan for 5,000,000 rubles in cash from one of the domestic banks. Find out which banking organizations there is a loan offer of 5 million rubles, the “My Benefit” service will help you.

Five million loans

Obtaining a cash loan from a bank for such a large amount is accompanied by certain difficulties. Banks are most willing to issue loans for 5,000,000 rubles. secured by any expensive property - primarily real estate. In some banking organizations you can borrow 5 million rubles without collateral. In this case, the lender usually requires the presence of one or two guarantors. Before issuing large cash loans The lender checks the borrower's credit history very carefully. The credit history of the guarantor is also carefully checked. In addition, banks usually find out the income of the borrower, as well as the guarantor, to ensure their solvency.

Applying for loans online

Apply for a loan of 5 million rubles today. You can use cash not only at the bank office, but also via the Internet. To obtain online loan, the borrower must select a financial product that is suitable for him, and then submit an application via the Internet for its issuance. When receiving loans for large amounts, it is very important to choose the offer that will be the most profitable, because even one extra percent of this amount will be a fairly serious overpayment.

Bank representatives carefully study the application submitted by the potential borrower, after which they make a decision regarding the possibility of issuing credit funds and communicate it to the client. If a positive decision is made on the application, the borrower receives his money in cash or some other possible way. Today, people who decide to take out 5 million on credit for 10 years have the opportunity to receive cash in the following ways:

• cash;
• to a bank account;
• to a wallet in the online money system;
• for credit or debit card;
• through the transfer system.

Using the “My Benefit” service

If you have not yet decided where to get the loan you need, we suggest you use the help of the My Benefit online service. Using this portal you can quickly select the most suitable offer for you. The “My Benefit” service will allow you to quickly find out which bank has the minimum loan rate of 5,000,000 rubles.

If you are interested online receipt five million rubles, enter the data of the site you need into the site search form financial product: amount, loan period, etc. and click the “Apply” button. If you are interested in obtaining loans without collateral, please indicate this option when filling out the form. Also check the appropriate box if you need a loan without additional information.

Having received a list of those that suit you credit offers, carefully study the interest rates on loans and all other conditions. Having chosen the best option, proceed to compiling an online application.

arise various situations when funds may be needed very urgently for urgent needs. This can be solved by receiving a loan from 500,000 to 5,000,000 rubles without certificates. Depending on the credit history of the future borrower, there are many options for replenishing your finances. If she's okay and there is Full time job, where they will issue a certificate of your current salary, you can take almost any amount of money, depending on the amount of income of the potential client. The most common in banks are or 1,500,000 rubles, which correspond to practical banking recommendations for checking and issuing money to clients wishing to sign an agreement. In general, amounts are on the order of 500,000 rubles on credit are provided quite easily, no documents required other than a passport and driver's license. It is enough to fill out the income certificate in free form and put the seal of the company where you work.

Loan from 1,500,000 rubles to 5 million

Near 5,000,000 rubles on credit It is already much more difficult to obtain; here you need a 2NDFL certificate, which will contain official data on the client’s income for the last 6 months of activity. If a person receives a large amount at the cash desk of an enterprise, but it is impossible to check it in tax return, such clients may have difficulty obtaining credit funds. To smaller amounts, greater than 500 thousand and less than 5 million, for example, 1,500,000 rubles on credit, the strictness of bankers with the documents provided is within the limits of a reasonable assessment of the future borrower, and does not present any special difficulties. But, most importantly, all these arguments apply to those people who have fixed income, both official and not. It is only necessary that it be available. If there is no income, then, regardless of the required amount, be it 500 thousand or several million rubles, banks will refuse such a person a consumer loan.

Loan from 500 thousand to 5 million rubles secured

There is only one way left, when it is necessary to provide as collateral, against the required amount requested, any real estate that will serve as a guarantee for bankers for positive decision about the allocation borrowed money. Then you don’t have to worry too much about your poor credit history or the lack of an official salary. Bankers' requirements will be much softer and money will be allocated faster and more efficiently than without collateral. Interest will also be lower, and payment terms will be more affordable. Loan from 500,000 rubles to 5,000,000 inclusive, can be repaid at any time after receiving them.

Many people ask where they can get a lot of money for free and for free? Where can I urgently get money for a wedding, an apartment, a house, or to start a business from scratch?

Hello, dear readers! With you is one of the authors of the business magazine HeatherBober.ru, Alexander Berezhnov.

I'll share mine practical experience and I’ll tell you where to get money quickly or borrow it.

I myself found myself in situations where I urgently needed a certain amount of money and had to quickly use my brain and find it in literally 10 minutes.

From the article you will learn:

• Where can I get money for free?
• Is it possible to get money for free?
• How to get money using microloans?
• Where can I get money for a business at a minimum interest rate?

Here I will also tell you how to borrow money and repay debts correctly, and what mistakes you should avoid if you urgently need money.

Sit back comfortably, let's begin!

1. Where can an ordinary person without a job get money quickly?

A person may need money at any moment: you remembered that today is a friend’s (girlfriend’s, grandmother’s, aunt’s) birthday, a workmate invited you to a wedding, you urgently need to repay a debt, and, as luck would have it, your salary is delayed - you never know how situations arise in life.

It’s good if there are several days until hour X (the time when you will specifically need finances), but what if it is several hours, and there is absolutely no cash? In this article I will tell you where an ordinary person (not a bank director or a businessman) can get money in the fastest and most optimal ways.

So where do you get money when you don't have it? The question may seem rhetorical and even philosophical.

However, when money is really needed and needed urgently, people somehow have no time for philosophy: they have to urgently find cash. If we are talking about small amounts within a few thousand rubles ( 100$-200$ ), then the most common way is to borrow from friends. What if you need more? Where can I get money for an apartment, a car, or to open my own business? There are much fewer options here.

Most people will answer that they need to work harder. The remark is fair, but only partly. We have already written about that. But sometimes even while working, you may need money. For example, if the salary is small or has already been spent. In this case, you need to use your imagination and mental abilities.

There is actually a lot of money in the world around us. Even more than enough. The problem is that they are unevenly distributed. Some people have a lot of them, others have the opposite. What do you need to do? Go to those who have this moment there is finance. Another question is how to persuade, convince, force those people who have a lot of money to transfer it (temporarily or free of charge) to you. I immediately discard dubious and illegal methods of taking money - taking someone else’s property by deception, force, theft - is absolutely wrong.

This article discusses only fair and legal options.

We list the main methods of obtaining finance, and then discuss in detail the advantages and disadvantages of each of them:

• Borrow from friends and acquaintances;
• Make a microloan;
• Get a loan from a bank;
• Urgently sell some valuable personal item;
• Use the services of a pawnshop;
• Urgently complete quick work and receive payment immediately;
• Repay your debts;
• Rent out housing and temporarily live with friends (with mom and dad or other relatives);
• Ask for a loan from criminal structures.

I’ll say right away that the last method is quite dangerous. You can use the services of “brothers” only in the most as a last resort, if you are confident in yourself and in the people with whom you are making a deal. However, if the question of where to urgently get money cannot be solved in any other way (all banks refuse, not a penny from friends), then there is nowhere to go - you have to borrow from those who give.

2. Microloans are a real way to get the required amount in 1 hour

Just 10 years ago, few people had heard of microloans, but now the number of organizations, companies and individuals who have even started a business with the help of microloans has grown rapidly. Now the question of where to get money urgently no longer causes such a headache as before.

Microloan– this is a loan for a small amount (usually up to 50,000 rubles) for a certain period (usually a month from the date of execution of the transaction).

To apply for a loan, you only need one document - a passport (plus a decent appearance). The interest rate depends on the amount you borrow as well as the repayment period of the loan.

5 advantages of microloans:

1. Minimum time for obtaining a loan. The application is completed in a few minutes; you do not need to waste time collecting various certificates and documents, like in a bank;
2. No guarantors required. Usually banks will ask you to find at least one guarantor, because every credit organisation wants to reduce his financial risks;
3. There is no need to state the purpose of the loan. As a rule, get targeted loan much easier. For example, mortgages or car loans are much more readily issued than consumer loans;
4. Receive money online. Some organizations transfer money to bank cards via the Internet - you don’t even need to go anywhere. You can also repay the loan through the online account of various payment systems;
5. Ease of receiving funds. You don't have to "beg" by disturbing friends and relatives. For a microfinance organization, you are just one of many clients.

A microloan is the most convenient and simplest option if you need money in the very near future. This is a method for those who were refused to borrow money from a bank (due to the lack of necessary guarantees) and those who want to obtain finance quickly and without unnecessary questions from the lender.

Today, a microloan can be issued via the Internet without collateral, guarantors, income certificates, or providing financial history and other “troubles”.

To do this, you just need to go to the website, fill out a form, indicate your phone number and log in Personal Area. Then you need to select the amount, loan repayment period and agree to the terms of the organization with which you are working. You will need to send a scan of your passport (or provide your passport details) and indicate your bank card number.

Now there are many companies that issue microloans via the Internet, but I recommend working only with the most proven and reliable ones, which have transparent terms of cooperation and an understandable loan issuance scheme.

Among the advantages of this method:

1. Ease of obtaining a loan. The process of filling out and approving the application takes no more than 5 minutes;
2. Loan amount up to 30,000 rubles. At the first application up to 10,000 rubles and further higher;
3. Convenience. There are 4 options to receive money: bank card, to a bank account, through the Contact system, and to a Qiwi wallet.

If you have a Qiwi wallet, it will be even easier: the money will be transferred to your account after reviewing the application, which must be completed in the appropriate section. True, in most cases, the amount of the first loan does not exceed 5,000 (the company checks the client’s reliability), but then the amounts increase many times over. If you repay the loan early, the amount of overpayment will be minimal.

If working with electronic systems seems complicated to you, you can make a microloan offline - that is, contact the microfinance organization (MFO) closest to your home. A decision on a request is made in just a few minutes.

Now about the disadvantages of this method.

The main disadvantage is, of course, the accrued interest. The rate in microcredit is much higher than when applying for a loan from a bank. The percentage of overpayment will become especially noticeable if you accidentally or intentionally delay the day and hour of payment.

1. Pay back the borrowed money on time. Please remember that late refunds will be subject to high interest rates. This way you can make the most of the borrowed money.
2. Take exactly as much as you need. Do not give in to the persuasion of MFO employees that it is more convenient to take, for example, 10,000 than 8,000. If you, again, delay the payment, this small difference will grow into a tangible amount.

We've sorted out microloans, let's move on to other methods.

3. Where to get money for free - 10 surefire ways

These methods are obvious for most people, but when money is needed right now, a person is stressed and forgets about some of them.

That is why I decided to describe them here.

Method 1. Borrow from friends and acquaintances

Borrowing money from acquaintances or friends is an obvious option, but not always convenient.

• Firstly, It’s unlikely that your friends will be delighted with your proposal (remember the folk wisdom: “ The best way to lose friends - to borrow money from them");
• Secondly, You have to take other people's money and give your own. However, this method is chosen by a significant percentage of people who urgently need finance.

According to statistics, people of the old school, aged 40 to 50, prefer to borrow from friends. Young people prefer more creative options.

Where can I get money if all banks and microloans refuse?

You will have to borrow from friends even if all banks and microloans refuse due to bad credit history or other reasons.

It’s good if you have rich friends for whom the repayment period is not of fundamental importance. In other cases, you will need to inform creditors of the approximate date of repayment of the debt. This method has its advantages: your friends won’t grab you by the throat if you don’t get the money within the promised time frame, and you don’t have to pay any interest.

But on the other hand, although friends are more tolerant and loyal than financial organizations, you shouldn’t abuse their kindness.

If you are delaying your refund, it is better to immediately warn about this: going underground by turning off your phone is not the best way to behave. If you are honest, most people will understand the situation, and perhaps help with practical advice.

By the way, borrowing money from friends correctly is a whole science. There are even special strategies that allow you to perform this operation most effectively.

For example, experts advise that it is better to borrow small amounts in several people than a large one in one. This way, the likelihood of receiving money will increase many times over. After all, for a person, 1000 rubles is not money, but 10 people for 1000 rubles each... This is already a decent amount.

Method 2. Get a loan from a bank

Where can I get a lot of money at once? For an apartment, house, car, opening a store or business? Serious sums can be obtained from the bank. Consumer and business loans are a fairly popular way to obtain finance. The interest rate on loans from a bank is much lower than from an MFO, and the repayment period sometimes extends for years. Another thing is that not everyone can take advantage of this opportunity.

To receive money from a bank, the borrower must meet certain conditions. These are the banking obstacles that the large percentage people wanting to get a loan.

The bank's main requirements for borrowers:

1. Confirmed stable income. If you don't have official work and 6 months of confirmed income as salary, then the chance of getting a loan decreases;
2. Positive credit history. It’s good if you don’t owe anyone or have already borrowed money from banks, but paid it back on time;
3. Availability of a guarantor (in some cases). Guarantors are people who have signed your loan agreement and will pay your debts if you fail to do so.

Of course, if you want to take out a loan from a bank, you will be asked for identification documents and income certificates. Sometimes banks require collateral in the form of valuable property, for example a car or an apartment.

In other words, the bank wants to be sure that you will repay the debt no matter what. No one will physically extract money from you if something happens, but they can easily take your property to pay off your debts.

The main advantage of getting a loan from a bank is the opportunity to take out a fairly impressive amount. You can repay the loan in small installments every month: psychologically it is much easier than handling large amounts of money.

Among the popular banks at the moment are the following:

What you can sell through online classifieds:

• collectible clothing (in good condition);
• antiques;
• gramophone records;
• stamp collections;
• books;
• old or Soviet coins;
• modern Russian anniversary rubles.

Sometimes in the attic, on the mezzanine or in the closet you can find an item for which collectors can give quite decent money.

An extreme way to get money for women and informals!

Some hairdressers buy hair at a high price (minimum length 20-25 cm). A haircut often suits the face - it makes you look younger and adds variety.

In the East they believe that by cutting off hair, a person renews his karma.

You can also sell scrap metal. If you live in a private house, have a dacha or a garage, then unnecessary metal junk is probably lying around somewhere, if you look carefully. Non-ferrous metals, by the way, cost a lot of money.

Maybe you have bronze or aluminum figurines, paintings made of non-ferrous metals, or just pancake copper wires - all this is potential money today!

Method 7. Rent out your home and temporarily move in with friends

A person needs 2 to live square meters area. Whether such a life will be comfortable is another question, but for the sake of a great goal, one can endure it.

If you have real estate and have the opportunity to temporarily move in with relatives, good friends or acquaintances, you can rent out an apartment and take money in advance from the tenants. Especially in big cities, this option can bring good profits. The same can be done in resort areas during the season (summer and early autumn).

If you are the happy owner of a two-room (or more) apartment, then you don’t even need to move anywhere: just rent out the room to a student and take payment from him for several months in advance. Here is the amount for opening a small business. If you are looking for where to get money for a business, then after receiving it, read the article “” - this will help you properly manage the funds received.

Method 8. Find a “coven” or do a one-time job

Temporary work for students and anyone interested is a popular section on job sites. One-time work that is paid daily can be found in any city. This includes the work of a “barker” in some boutique, and the position of a delivery courier, and writing articles as freelancers, and working part-time as a waiter for students.

Girls can get a job as a nanny or one-time house help with an hourly wage.

It’s even better if you are a narrow specialist in some field - for example, you can quickly translate text from Chinese to Russian.

Aren't you afraid of hard and "dirty" work? If you are a strong guy, hire yourself as a loader (unloading wagons and other one-time activities are well paid), a cleaner, or a laborer at a construction site. Such work is, of course, not valued too highly by employers, but there is no need to borrow from anyone.

Method 9. Return the money of your debtors

Where can I get money “for free”, that is, without having to pay it back after a certain period of time? Of course, from their debtors. If you are a sociable person and have many acquaintances and friends, some of them probably owe you money. Think about whether it’s time to pay off, and gently remind debtors to repay their loans.

It happens that people themselves call and remind you that they owe you, but as a rule, you yourself, as a creditor, have to chase the debtors and remind them to return the money.

Method 10. A dangerous way is to ask for a loan from your “brothers”

You can get involved with the world of crime only in special, completely hopeless situations - when loans are denied, no one gives money against a receipt, friends are hiding, and the microfinance organization has run out of cash.

Certainly, this situation is possible only if you have the appropriate acquaintances - it’s good if, for example, your classmate has become a major crime boss. However, even in this case, you should think 100 times before making such a risky decision.

4. Donation as one of the non-obvious ways to receive money

Being a donor is not only an honor, but also profitable. But donating blood too often is harmful and dangerous to health, and they won’t give you much for one portion. In addition, not everyone is willing to donate their blood for ethical reasons. And one more nuance - only an absolutely healthy person can become a donor.

Although, if you become a professional donor, then for donating blood 40 times or plasma 60 times, you receive the title “honorary donor” and then you are entitled monthly payments, visiting doctors without waiting in line, travel reimbursement and even a vacation in a sanatorium once a year.

By the way, you can become not only a blood donor, but also a sperm donor (for men) and even an organ donor.

For example, kidneys are highly valued in the medical market.

For women, using their body to bear children (surrogacy) is suitable.

Science and progress are ongoing and donation can become a good source of income for some people, although in some cases this money will not be available immediately.

5. How to borrow money and repay debts correctly - 5 useful tips

Before you borrow money or start paying it back, I recommend reading my tips. They work, tested in my own experience!

Basic rules for borrowing and repaying money:

1. It is better to borrow and repay in the first half of the day, because people become tired in the evening, which negatively affects all financial transactions.
2. Study the conditions repaying loans and paying off debts in advance.
3. Assess all risks financial transaction before signing the contract, not after.
4. Money has a time value: If your friends are dear to you, repay your debts on time.
5. Don't forget to thank those from whom you borrow.

By the way, according to Feng Shui, it is better to give money on a waning moon, and to take money on a waxing one.

Even using the “magic of money”, it’s unlikely to be possible to get it for free. It is better to rely on your intelligence and common sense.

How to repay a loan correctly

If you take out a loan, then take it for as long as possible!

Many are afraid of this, because the amount of overpayment in this case will be greater. However, most loans can be repaid early, meaning you can pay the loan back as soon as you have the money.

But if you, for example, took 100,000 rubles for 1 year, then on average you will pay 10,000 rubles per month, but if you took the same amount for 5 years, then your payment will be about 2,500 rubles.

What amount do you think is easier to pay per month: 2,500 rubles or 10,000 rubles? - the answer is obvious.

Robert Kiyosaki, a world-famous investor, businessman and teacher in the field, recommends repaying loans in the minimum possible amounts. financial literacy, author of the game "Cash Flow" How to attract money into your life - 7 simple ways attracting big money+ secrets of getting them