Today, all MFIs operate in an atmosphere of increased risks related to non-repayment of borrowed funds by clients. This is due to the fact that the main clientele of microfinance organizations are people who were denied a loan in banks, where the requirements for potential borrowers and their integrity and solvency are very carefully approached. As for MFIs, the requirements for borrowers are more loyal here, and for example, any resident of the country, regardless of location, can take a loan on a card instantly around the clock without refusal.Conditions for obtaining a loan:The minimum loan repayment period is 62 days;- The maximum loan repayment period is 365 days;- The maximum annual interest rate, including the loan interest, as well as all other commissions and expenses for the year (Annual Percentage Rate APR) is 32%, and the minimum is 1%. Annual interest for using the Credit - min 1%, max 32%.- The minimum rate for using a loan per day is 0.01%;- The maximum rate for using a loan per day is 1%;- Penalty for delay: 0.1% of the amount of delay per day, but not more than 10% of the loan amount- Other commissions or fees: none- In case of a long delay in payment, information will be transferred to the CBI- Extension of the loan is possible with timely informing the lender and payment of interest for the initial term of the loan, additional fees for extending the loan are not providedAn example of interest rate calculation:- The amount of the body of the loan - 20,000 rubles.- Loan term – 100 days.- Commission for using the loan: 0.08% per day, i.e. 16 rubles per day, or 2.4% per month (averaged for 30 days), i.e. 480 rubles per month (averaged for 30 days).- The total amount of the commission for 100 days will be 1600 rubles.- The total amount to be returned, taking into account the loan amount: 21,600 rubles.- FLC - the full cost of the loan (FLC - Full Loan Cost) in percent is 29.2% per annum.Consequences of delay in repayment of the loan:In case of violation of the terms of payment of an online loan, the amount of the penalty may be 0.1% of the total amount of delay per day, but not more than 10% of the total loan amount.Requirements for borrowers:- age from 18 to 65 years;- passport of a citizen of the Russian Federation.Loan repayment period: from 61 to 1826 days (including prolongation)Interest rate from 10% to 360% per annumConsequences of non-payment:The amount of the penalty is 0.10% of the amount of delay per day and not more than 10% of the loan amount.PJSC "SOVCOMBANK" License of the Central Bank of the Russian Federation No. 963 Address: Kostroma, pr. Tekstilshchikov, 46PJSC CB VOSTOCHNY License of the Central Bank of the Russian Federation No. 1460. Address: Blagoveshchensk, per. St. Innocent 1List of credit institutions:PJSC "MTS-BANK". License of the Central Bank of the Russian Federation No. 2268. Address: Moscow, Andropova Avenue, 18, building 1
Займ онлайн
