Take money from parents or friends
Before deciding where to get funds, you need to calculate how much money you need for the wedding. You will have to take into account the cost of formal attire, banquet, hall decoration, cars, services of a photographer and videographer. Here you can read how to do this.
The surest way is to ask your parents for money. In such a situation, you most likely will not have to return the funds. If money is lent, then relatives are unlikely to insist on deductions of interest. And both parties can help; expenses can be divided 50/50.
If parents on one side and the other do not have financial capabilities or they do not want to participate in the budget, close wealthy friends can be considered as “creditors”.
These people should not refuse a small amount and you can agree with them on the absence of interest. To maintain friendship and not quarrel, it is better to write a promissory note, which will require 2-3 witnesses. Here is the link to download the sample.
How to save money for a wedding celebration
Making your wedding day unforgettable is a completely normal desire. But where can people with low incomes get money for a wedding? If there is enough time left before the celebration, funds can be saved. Of course, it is difficult for a couple at the peak of a relationship to save on romance, but there are many ways not to spend too much. There are special resources on the Internet where discount coupons are posted. Using such offers, you can visit restaurants and cafes, fitness rooms, cinemas with savings of up to 70%. Put the saved funds in a piggy bank so that you can later spend them on wedding accessories and other small items. Each of us has things that we haven't used for a long time. By selling unclaimed junk, you can get quite a decent amount, which will also be used to organize the holiday.
Start saving early. Over the course of a year, an amount sufficient to hold a worthy celebration will be collected. Make preliminary calculations, taking into account the costs of food, photography and video filming, and transportation. Add 10-20% to the amount received for price increases and unexpected expenses and start saving money for a deposit. Due to its accessibility, it is better not to use the card in order to avoid the temptation of thoughtless purchases. The interest on deposits of this kind is small, but this method will at least save money. Find an opportunity to earn additional income, and send the money you earn to your “wedding” account.
How to get a loan from a bank
If you don’t have anyone to borrow money to have a wedding, you can go to the bank.
Such organizations have special programs for those who decide to get married. If your funds are not enough, you can turn to a consumer loan or a loan for urgent needs. A “wedding loan” is a type of consumer loan. The difference is that the money is issued on conditions that are quite favorable for young people. Here are a few such institutions:
- Renaissance Credit. The bank offers a loan “More documents - lower rate” from 15.9% per annum for up to 60 months. The maximum amount is 500,000 rubles. You can apply online here: rencredit.ru.
- Citybank . Here you can take out a “Consumer” loan at 15% for up to 60 months, if the wedding is on a grand scale and you need an amount of up to 2 million rubles. Here is the bank's website: citibank.ru.
- VTB Bank. He can issue a loan for newlyweds “in cash” at 16.9% per annum. The borrowed amount can be repaid within 84 months. The maximum loan is 3 million rubles. You can fill out an application online, here: anketa.bm.ru.
- Bulgar Bank . The “Wedding of Your Dreams” program is available for the bride and groom. It allows you to receive from 40 to 150,000 thousand rubles, the loan must be repaid within 6-24 months. The interest rate is 17-22% per year. For those who are already served by the bank, individual lending conditions are offered. You can find out more about this on the bank’s website bulgarbank.ru.
You should always remember that the larger the amount you take, the higher the interest you will have to pay.
Before filling out the application, it is worth considering the following points:
- loan interest;
- payment terms;
- maximum amount.
Have you decided to organize the wedding yourself? Here you will find everything you need to do for this. The article will help you decide on the place, time, style of the celebration and many other points.
You can’t do without a detailed wedding preparation plan. All the stages that you will have to go through are described here in small details. You will find out how much time in advance you should start preparing for the event, and what needs to be done in which month.
Don’t rush to get upset if money is tight, you can use our budget wedding ideas. It describes in detail what and how you can save, how much money you will need for what, and how to organize everything properly.
Rules for obtaining a loan
After this, you can go to a financial institution to submit an application form for a loan. Here you can. A department employee will help you complete it and send it for review. Some documents must be attached to the application. Each bank requests its own set of papers, but almost all of them require a passport, work book and certificate of income for the last six months.
It is possible that guarantors will be required to obtain the requested amount. In this case, they must also provide the bank with documents that are required from future spouses.
The application is reviewed within 1-3 days , after which the bank informs the client of its decision.
If the answer is yes, a contract is concluded with the borrower. After this, the money is credited to the account. The reason for rejecting the request may be previously unpaid loans.
The loan can be obtained by a citizen of the Russian Federation aged 21-64 years with a regular income (mostly above 30,000 rubles). It is important that the applicant lives and works in the region where the loan is provided.
Modern borrowers face a number of difficulties. The average age of young people getting married in the Russian Federation is 20-23 years. This means that the couple simply may not be given a loan or the newlyweds may not be able to repay it. Also, sometimes unscrupulous lenders resort to outright deception (changing loan rates). This is usually done by microfinance organizations. To avoid getting into an unpleasant situation, you need to carefully read the contract you sign and deal with trusted banks. Here you can in Word format.
What to do if the bank does not give a loan
If you are denied a loan, you can try to sell some of your unnecessary property. Before you put your property up for auction, you need to think carefully about whether the gamble is worth the candle. A city apartment may come in handy in the future. It’s another matter if the dacha is empty or the young people previously bought a car. For example, for a house in the Moscow region you can get from 1 million rubles, and a used economy class car (Lada Vesta, Daewoo Gentra, Skoda Rapid) can be sold for 400,000-500,000 rubles. You can submit an ad here: auto.ru.
Another option is to ask those invited to present gifts (in cash, of course) to the event. If there are, for example, 100 guests, and each one gives, say, 7,000 rubles, you can reach an amount of 700 thousand and cover a significant part of the expenses. If this is not possible, then there is nothing left to do but abandon the idea or organize everything yourself.
Competition with prizes for guests: win-win lottery
A cool lottery for guests is a great way to pay attention to each invitee by giving him a funny gift as a souvenir. Svadebka.ws is pleased to offer options on how to present the following funny gifts in an original and humorous way:. There is no better gift in the world, a plastic bag for you
Get the prize as soon as possible. Take the treats from the table in it. (Plastic bag)
There is no better gift in the world, a plastic bag for you. Get the prize as soon as possible. Take the treats from the table in it. (Plastic bag)
The gift is undoubtedly without a flaw, After all, you received natural blush. (Beet)
You're doing great at work, get a lollipop! (Chupa Chups)
Designer lighter, After all, you don’t mind anything. (Matchbox)
We are giving away an excellent hanger, you will definitely appreciate it. (Nail)
So as not to have dinner in the dining room, we hand you a bay leaf. (Pack of bay leaves)
They provided you with hooks, you can catch pike yourself. (Fishing hooks)
Feel free to pour it into a glass and drink it bitterly! (Disposable cup)
You got this present to gnaw on in the evenings. (Pack of crackers)
Since you are no longer at your desk, get your cards in your hands. (Card deck)
Even though you are sober now, But if you drink too much, You will get into her shoes in difficult times! (Shoehorn)
Our nut will come in handy for your love pleasures. (Walnut)
Spin the prize on your hair, So fix your hair, All men, I know, Will definitely fall into piles. (Curlers)
Hold the rattle, Andryushka was born. (Beanbag)
Everyone wants to win the car, both women, children, and men. While you save up the bills, we will give you a miniature one. (Toy car)
As you can see, there can be many more options for comic gifts and ways to present prizes in a win-win lottery. It is not at all necessary to give gifts based on the interpretation of funny poems. Prose is also a cool option for presenting these types of prizes during a wedding raffle. See for yourself:
- We present you with a portrait of the most beautiful person in the world. (Mirror)
- Elixir of life for tomorrow morning. (Bottle of mineral water)
- To attract finance to the house. (Head of cabbage)
- Limiter against gluttony. (Pin)
- We give you a trip to the stars. (Balloon)
- For life in pink. (Pink glasses)
- Italian gourmet dish. (pack of spaghetti)
- Helper for getting out of bed. (Coffee)
- You have won a super prize. You can hug the groom.
- Jackpot! The bride gives you a kiss.
Important: If children are present at the celebration, then it is worth purchasing sweet gifts or small toys
