A microloan to the card: types and conditions of receipt
The history of its creation, the microloan is obliged to the economist from Bangladesh, Mohammed Yunus. In the concept of his idea, there is the principle of issuing small amounts of money at low interest rates. And if initially, the clients were businessmen of small and medium-sized businesses, then over time, the audience of microloan consumers has expanded significantly. Now ordinary people can take money for their modest needs.
It is convenient to use them when money is needed urgently; to pay far, but the bank is not on the way. And there is no desire to collect a lot of references. After all, a microloan is not a bank loan.
A microloan and credit. What is the difference?
- Getting a microloan to a card online is much easier.
- You do not need a bunch of supporting certificates for confirming certificates.
- No need to stand in line. Filling out an online application takes about 15 minutes.
- The loan amount is not large.
- Age. Microcredit, unlike a loan, may be received from the age of 18.
- If the loan is taken either for consumer purposes or in cash, then a microloan is charged on the card.
Why do I need a microloan and how to get it.
Most often, this type of loan is taken in case of emergency. And:
1.if necessary in a small amount of money;
2.if it is impossible to visit any bank;
3.straighten credit history;
4.if there is no possibility in other loans.
To get microfinance, you do not need to go anywhere. It is enough to prepare a passport, TIN, plastic card and telephone. Enter in the search engine "microloan". And then:
1.register on the selected microloan site;
2.determine the time and amount of the loan;
3.carefully and reliably fill out the questionnaire, correctly specifying passport data and phone number;
4.within a few minutes wait for a decision on a microcredit;
5.issue data of a registered bank card; where the borrower's name should be the same as the name on the card;
6.Expect cash on card.
Terms of issuing a loan and methods of repayment.
The term for which a microloan is granted is usually from 7 to 30 days. But in some financial organizations it can be up to 160 days. Maximum loan amounts - up to 40,000 rubles. It is also necessary to have a registered VISA plastic card or Master Card. The average interest rate on the loan - 2% per day.
And although the amount is small, and the conditions are tempting, nevertheless, it should take into account all its capabilities and unforeseen nuances. Indeed, in cases of no refund, an automatic interest rate increase occurs.
You can repay a microloan in a number of ways:
. via r / c bank
.from QIWI e-wallet
.via internet banking
.by credit card
. payment system Web Money, Yandex Money.