Methods of obtaining microloans( Top-5)

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Microfinance is a relatively new but already popular form of lending. Urgent microloans help citizens who want to quickly borrow small sums of money. We will figure out in what cases microcredits will be useful and in what ways they can be obtained.

Anyone, even the most profitable loan, naturally needs to be returned, with interest, and in the case of microloans - very decent.

Contents:

  • Who takes microloans?
  • You can obtain microloans in several ways:
    • 1. Cash
    • 2. To
    • bank card 3. To WebMoney purse
    • 4. Through the money transfer system CONTACT
    • 5. With home delivery

Who takes microloans?

Those who for some reason can not get a loan from a bank;those who need a small amount, and the bank offers a large long-term loan;Those who do not want to waste time on tedious collection of documents for bank loans.

Thanks to microcrediting, you can quickly( sometimes literally in an hour) get a small amount of 10-30 thousand rubles.

Instruction how to take a microloan in various ways, read on. ..

You can obtain micro-loans in several ways:

1. Cash

A standard scheme with the execution of a contract in the office of a microfinance organization( MFI).From traditional bank lending, this method is characterized by rapid approval of the application, a smaller package of documents and high interest rates( an average of 2% per day).

2. To a bank card

Such microloans are made through the Internet and you can get them at any time of the day. After the approval of the application, the transfer to the card is almost instantaneous, and the borrower receives the contract by mail. If the client did not have a card, then they give him a new one, with already credited funds, but you need to come to the office after her. You should know: for the withdrawal of funds usually charged high commissions.

3. To WebMoney purse

To receive a microloan it is necessary to visit the debt service Webmoney. In your account you can choose the necessary amount and percentage, which is calculated based on the level of trust in your account.

Similar credit schemes are practiced by other payment systems, for example, Yandex. Money.

4. Through the money transfer system CONTACT

In this case, the system acts as an intermediary between the MFI and the borrower. On the company's website you need to fill out an application and indicate the method of receipt( via CONTACT).After making a positive decision on issuing a micro-loan, you can go to the nearest CONTACT point with your passport and transfer details and receive your money.

5. With home delivery

Some MFIs also practice this way of issuing microcredits. The scheme is quite simple: the application is submitted and approved on the organization's website, after which the borrower is contacted by phone and brought to his house a cash or plastic card, as well as a loan agreement.

Finally, we note that the ease and speed of obtaining a microloan turns into a borrower's interest rate increase. That is, the less it is checked, the higher the rate.