Maybe you don't know, but there is a possibility to transfer funds for free using youbicodes
I did a quick google for that and didn’t find anything, other than someone’s github repository… could you point me in the right direction?
My point, that if someone wants to lend you and has an account in youbit, he can transfer btc for zero fee through youbcode, same way you can return back btc .
Here: yobit.net/en/yobicodes/ you can create or activate youbicodes.