A special thanks to the Laina credit cooperative and my heartfelt review of the Ilma company! They helped us out, and now we have a new renovation at home that we wanted to do for a long time, and without them, we wouldn't have managed before the New Year. Of course, 150,000 rubles doesn't seem like a lot of money, but the bank offered us only 12,000 rubles based on our salary – it's funny to say. Well, we took what we took; we would have even taken it at a higher interest rate, but it turned out that the terms were more favorable than at the bank. I really don't understand what the point is in borrowing from a bank if it's not even beneficial and they also make you deal with a ton of paperwork?
