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You can find conflicting information about microloans on the Internet. He "saved" some in a difficult situation, for others he became a source of new problems and aggravated an already shaky financial situation. Some sing an ode to him, others curse. So, what are micro-loans?
Traditionally online loans in Ukraine This is money that is issued by a microfinance company to an individual or a legal entity at a certain interest rate. They differ from bank loans in that interest is accrued daily, that is, the interest rate is daily, not annual, and the amount is significantly less than that of standard bank products.
The main advantage of online microloans is urgency, which attracts potential clients. The whole procedure takes about half an hour on average. The decision is made quickly thanks to the scoring system of customer evaluation.
No need to stand in queues. By the way, many people do not go to offices because they are shy. For many people, it is psychologically difficult to admit their financial insolvency among people. Online registration in this plan helps in such cases.
Another criterion in favor of microloans is the absence of the need to fill out a lot of paperwork. A standard application is filled out and sent for verification, everything happens in the personal account on the official website of the company.
Many do not officially work, this does not mean that they do not have a source of income. As a rule, banks do not cooperate with those who do not have a "white" salary. Then microloans will come to the rescue, because they do not require income certificates from the employer.
From the documents, it is necessary to specify passport data and upload scans to your personal account.
MFIs do not focus on a damaged credit history if the debts are closed. With the help of such loans, it is even possible to improve the credit rating, because the company sends information about the loan to the BKI, the main thing is to prevent default.
The methods of receipt and return are: card, electronic wallet, money transfer.
It is not necessary to explain for what purpose the loan is being taken.
Loyal conditions are provided to permanent clients, for example, a reduction in interest on subsequent loans.
Microloans are an excellent financial instrument, it is important to learn how to use them correctly and there will be no problems with collectors or credit history.
