"RosDenghi": reviews. "RosDengi" - microfinance organization

The activities of Russia's microfinance institutions are aimed at providing urgent financial assistance to Russian citizens within a limited amount of cash for a short period of time. As a rule, applications for obtaining a microloan in MFIs do not have failures, since a high interest rate completely compensates for unforeseen delinquencies on loans. One of such credit services is the company "RosDenegy". Clients' testimonies testify to the trouble-free delivery of short-term loans and loyal conditions, which allow to issue microloans to citizens with a bad credit history.

What is a microfinance organization?

The concept of "microfinance structure" appeared on the modern financial market for a long time. The first MFI was founded in 1944. At that time, the profitability of microcrediting was evaluated by borrowers and accepted in the society. Today, the majority of the population of the country enjoys the services of microfinance organizations. According to the MFI's register, which was organized by the Ministry of Finance, there are about 350 such institutions. Microcredit services are under intensive growth, and by the end of the year their number may increase to 450.

A high degree of demand among the citizens of the Russian Federation is due to loyal conditions for issuing a loan and the possibility to take a term loan without additional certificates of income and attracting guarantors. As a rule, microcrediting is carried out online, that is without the need to personally visit the office of the company. Therefore, the client base of MFIs is constantly expanding at the expense of new users, which creates healthy competition for loans in large banking structures.

The similarity of a bank loan with a short-term loan

Both types of lending represent obtaining borrowed funds in order to improve the material situation and solve urgent financial problems. From the moment of reception of money the borrower has before the organization certain debt obligations which it should execute after the expiration of the established term. The crediting period is indicated in the contract. Together with the principal amount of the debt, the client is obliged to pay a fixed interest rate accrued for the use of funds.

Unfulfilled debt obligations to the bank or MFIs can lead to serious consequences, up to criminal liability. The imposition of penalties and fines on the amount of debt is also a common feature of both types of lending. Do not think that microfinance with its simplified system of registration is not a serious type of lending. Just like large financial institutions, MFIs take measures and collect debt from the borrower in the same ways as banks.

Credit or microloan - what's the difference?

According to the borrowers, credit and microcredit differ significantly from each other.

• First of all, it is much easier and quicker to issue micro-loans in MFIs than a loan in a bank. The bank carefully checks the client's identity, solvency, and, as a rule, 50% of applications are rejected. Microfinance structures are more loyal to their clients and give out money even with the presence of a bad credit history. 9 applications out of 10 are approved by the credit service.
• The amount of the loan in the bank is many times higher than the possible amount of the microloan. MFIs do not give out more than 30,000 rubles to customers, and the bank is able to lend citizens to millions.
• The maturity of the loan is several years. Return the microloan is necessary for a short period of time. As evidenced by the reviews, "RosDengi" requires the borrowers to refund the money after 17 days.
• For registration of a loan it is necessary to collect a large package of documents: a passport, a tax ID, a certificate from the job, a certificate of the average monthly income, medical insurance, a pension certificate, a military ticket, documents for property or vehicles, etc. Microcredit is issued only on the passport of a Russian citizen .
• You can apply for a loan only at the bank branch. Microfinance is carried out by transferring the requested amount to the customer's bank card. The identity of the borrower is checked on the scanned copy of the passport.
• Most major banking structures issue a loan in 5-7 days from the date of application. You can get an urgent loan as early as the day of appeal.
• You can issue urgent microcredits at any time of the day, as credit services are open around the clock. The loan is executed at the bank's branch and only at the established working hours.

Interest rates in MFIs: Myths and Reality

Among the comments of those who use the services of microfinance organizations, such as "RosDenegi", the opinions about interest rates are of a common nature. The annual interest rate on loans in numerical terms is quite high and, compared to bank charges, is not profitable. The company set a fixed interest rate of 2% of the loan amount per day. That is, for every day of using money, the borrower must pay part of the funds to the organization. The less crediting period, the less money will be overpaid.

However, if we analyze and compare the annual interest rates of banks and MFIs, it turns out that there is practically no difference. A high ready rate is compensated for by a short loan term and a small loan amount. Instant bank loans, which financial institutions issue on the day of circulation, have interest rates not much lower than microloans in MFIs. Reviews of the company "RosDenegy" point to the fact that borrowing money before paycheck or pension is quite realistic, as well as paying interest on the loan. However, do not forget that in the event of late repayment of debt to the borrower, a penalty of 2% of the debt amount is charged every day.

RosDengi: customer reviews

The company specializes in the provision of urgent micro-loans to Russian citizens and provides financial support on the day of treatment. MFO "RosDenghi", whose comments can confirm its popularity among borrowers, was founded in 2010 in St. Petersburg. To date, this is the leading federal microfinance network, represented in 33 regions of the country and numbering about 300 offices. Thanks to the activities of the company's employees, more than 1 000 000 people have already received urgent financial assistance from "RosDengi". Reviews of MFI employees characterize the company only on the positive side. Employees continue to gladly serve customers.

Make an urgent loan in "RosDenegah" is available to all adult citizens of the Russian Federation, who have a constant income. Loyal conditions of registration allow the company to constantly increase the client base and, accordingly, to provide customers with proven services.

Conditions for obtaining a microloan

The company "RosDenghi" provides an opportunity to urgently receive credit without information about income, and without attracting guarantors and liquid liens. You can make a microloan on the following conditions:

• The loan is issued in the amount of 1,000 to 30,000 rubles;
• The maximum loan period is from 7 to 17 days;
• The interest rate on the loan is 2% per day of the total amount.

Having issued a microloan and unable to timely pay the full amount of the debt, the borrower has the right to use the loan extension service, paying only interest for the actual amount of the loan provided by RosDenghi. The opinions of numerous clients indicate the convenience of this service, since no one is insured against force majeure situations.

Timely payment of short-term loans guarantees customers with a bad credit history the opportunity to improve it. According to statistics, the majority of delinquencies for loans were not due to the fault of the borrower. It can be a sudden illness or a delay in salary due to the manager's fault. Therefore, a bad CI can not objectively characterize a person as an insolvent client. Microfinance organizations meet their clients and provide loans in 96% of cases. Thus, with the help of microcredit services, you can not only improve your financial situation, but also change your credit history for the better.

Basic requirements for borrowers

To issue an urgent microcredit can each solvent client who meets the basic requirements of the company:

• The borrower's age must be within a certain framework (at least 18 and not more than 70 years);
• The client must be a citizen of the Russian Federation;
• A potential borrower must have a permanent registration in the territory of one of the subjects of the country;
• The presence of a stable income is an indispensable condition for microcrediting of "RosDengi".

Reviews borrowers who enjoy financial support for the company, testify to loyalty requirements, since not all microfinance institutions lend to citizens from 18 years of age. This fact allows you to take an urgent loan to students who receive a scholarship, but still do not have the opportunity to officially find a job and provide a certificate of income. As a rule, adult citizens of the Russian Federation do not yet have any experience of lending, which means that their identity can not be checked by the bank for the existence of a transparent credit history. MFO "RosDenghi" does not submit an inquiry to the Central Catalog of Credit Histories, therefore citizens who are on the list of bad borrowers can issue urgent micro-loans. Timely repaying the debt, the client can change the credit history for the better, which in the future will allow him to take more serious loans (mortgages or car loans).

"RosDenghi": delay, customer testimonials

OOO RosDenghi, whose debtors' comments prove the seriousness of the problems in the event of non-payment of a debt, establishes a fine for late repayment of a debt of 2% of the actual amount for each day. If the circumstances of the borrower fall under the category of force majeure, the company can prolong the loan period by paying only daily interest. If the client did not deem it necessary to warn the MFI about a possible deferral of payment, then for a small amount of the loan, an impressive debt can accumulate. For example, not repaid 5 000 rubles can grow into 70 000-80 000, which the borrower will have to return to the company "RosDenegy".

Delay, feedback and letters from the company, as well as unpleasant conversations with collectors - all this can expect the debtor in case of non-payment of the amount spent. As a rule, the company does not immediately apply serious actions in relation to the borrower. Prior to litigation and transfer of debt to collection agencies, a client may receive more than one written or telephone warning from MFI employees.

MFO "RosDengi" in different cities of the Russian Federation

• "RosDengi" (Moscow). Customer feedback is mostly positive. In the capital there are 12 branches located in different parts of the city. MFO is one of the three largest organizations providing short-term loans to Moscow residents.
• "RosDengi" (St. Petersburg). Feedback from employees is received regularly. Branches in St. Petersburg provide jobs for many residents. Employees are satisfied with work and wages.
• "RosDengi" (Saratov). Customer feedback is mostly positive. Borrowers note that the microfinance centers in Saratov are located at 6 addresses, and the conditions for issuing a loan allow you to take a term loan of up to 30,000 rubles.
• "RosDengi" (Ulyanovsk). Clients' testimonials testify to the convenience of the location of the branch at Moskovskoye Shosse, 47B, which provides the opportunity to lend money to salaries or pensions in the office of a microfinance institution.
• "RosDengi" (Samara). Reviews borrowers, as a rule, not bad. The Center for Microfinance in Samara is located at Metallurgov Avenue, 96.

Online application for issuing an urgent loan

It is possible to get financial support of OOO "RosDengi" on time, not only in one of the branches of the company, but also online, without leaving home. The official site works around the clock, so you can apply for a loan at any time convenient for the client. In the application it is necessary to specify the personal data of the borrower, and the reliability of the information is one of the requirements of the company. The questionnaire should indicate the source of stable income. This information is necessary, since the creditor must be confident in the solvency of the client. A certificate of income is not necessary to provide, which allows you not to waste time collecting documents. An MFI may ask you to send a scanned copy of the borrower's passport. Scan should be of good quality, photos and personal data of the client should be clearly visible.

Borrowers note the fact that applications for financial support are considered instantly. As a rule, this procedure does not take more than half an hour. The lender sends a reply to the e-mail or to the mobile phone in the form of an SMS message. The limit of credit means is indicated in the questionnaire of the borrower. Based on the data provided, the company's employees can reduce the amount of borrowed funds requested. To obtain a loan, you must provide a bank account number or a borrower's card. If desired, you can get a loan in cash at one of the offices of the company "RosDenegy."

How to repay microcredit debt

Clients say that timely repayment of debt on a microloan will make it possible to use the financial services of the company "RosDengi" without any problems. Collectors, whose reviews prove the seriousness of the debt obligations to MFIs, sometimes use brutal measures against debtors, including blackmail and threats, so it's worth to take seriously credit repayment and avoid unjustified delinquencies. After 17 days, the borrower is obligated to pay the debt in full: the loan's body and interest for each day of using the money. Payments on microloans are accepted by the company in any convenient way for the client:

• In any of the MFI's offices;
• Through electronic payment systems;
• By transferring the required amount of debt from the bank card of the borrower to the company details;
• With the help of mobile operators' service centers.

Force majeure circumstances can happen to anyone. They detained a salary or a pension, the debt was not returned in time or any other situation could catch the borrower by surprise. If after the expiry of the loan period for a number of valid reasons the client can not repay the debt, the MFD "RosDenghi" (customer reviews of all the cities of the country prove the convenience of this service) provides an opportunity to prolong the loan for a period of 3-5 days. During this period, the borrower can only pay interest on the loan without paying the actual loan amount.

Pros of micro-crediting

• The main advantage of microfinance is, of course, the ability to urgently lend money.
• There is no need to collect a large package of documents and personally visit the office of the company.
• The whole procedure of crediting can be made only on the scanned copy of the passport of the borrower.
• The company "RosDenghi" does not require clients to have an impeccable credit history. This is also an important advantage of microfinance, since large banking structures do not credit citizens who are on the list of insolvent clients.
• It takes 10 minutes to review the application, after which the borrower can receive money on the card of any bank.

Minuses

• The loan is granted for a short period of time (17 days), so you need to know exactly whether the borrower will have a financial opportunity to repay the company's debt in 2 weeks.
• Unfulfilled debt can lead to serious problems: a large amount of debt, litigation and even criminal liability. In addition, the company has the right to deprive the borrower of property equal to the amount of debt.
• If the debt is resold to collection agencies, then you can expect night calls with threats, and blackmail, and other illegal actions.

Therefore, before taking a loan in an MFI, it is worthwhile to carefully analyze the financial situation and not commit ill-considered actions. Remember that debt to the bank, formed once, tends to skyrocket.