Krympress reports:
In recent years, the microfinance services market has undergone significant changes. One of the main trends was the design of online plates without the need to visit an office of a microfinance organization (MFIs). This method of obtaining a loan is attractive to its availability, speed and minimum set of requirements for the borrower. It is important to understand how such services work as the features of their use, as well as what to pay attention to when choosing a platform or aggregator.
What platforms exist
There are many platforms on the Russian market, allowing you to arrange an online batch without a visit to the office. Among the most famous:
Ezamim.ru -Russian online services, aggregate proposals from many MFIs. The user fills out one application, and the system selects possible loans that correspond to his request and questionnaire. This reduces the time to choose from and helps to make a more conscious decision.
Zaymer.ru is one of the largest MFIs with a completely online form.
Moneyman.ru — offers loans with a high percentage of approval and the possibility of extension.
Webbankir.com is an online platform specializing in short-term loans.
OneClickMoney.ru — issues microloans to new customers with a minimum check.
Each of these platforms offers different conditions, therefore it is recommended to compare the sentences on key parameters: bet, term, maximum amount and customer reviews.
What are online bunks without visiting the department
Online bunks are financial products provided by the MFI via the Internet. The client submits an application on the site or in the mobile application and receives a decision — most often, in automatic mode. All documents are issued electronically, funds are received on a bank card, electronic wallet or client account. At the same time, the borrower does not need to visit the office, sign paper documents or meet with the organization’s employees personally.
This form of borrowing has become especially popular in connection with the development of digital technologies, as well as thanks to restrictive measures during the pandemic period, when physical contact with offices was impossible or undesirable. However, even after removing restrictions, the popularity of the service continues to grow, which is due to its convenience and efficiency.
How do online platform platforms work
There are two main ways to obtain an online batch:
- Directly through the site of a particular MFI.
- Through the aggregator of offers-an online platform that collects offers from different MFIs.
The aggregators allow the borrower not to waste time searching for conditions manually. After filling out the questionnaire, the system analyzes the data and issues a list of current offers from various microfinance organizations. Some aggregators automatically send the application to several partnership MFIs, increasing the chances of approval.
Important: aggregators are not creditors, they only provide an interface for convenient comparison and submitting applications. The actual conditions of the loan and the execution of the contract occur on the side of the MFI.
Advantages of online bunches without visiting offices
Online taxes have a number of advantages compared to traditional design methods:
- accessibility 24/7. The application can be submitted at any time of the day, even at night or on a day off.
- Quick consideration of the application. Many MFIs make a decision in 5-15 minutes.
- minimum documents. Usually only a passport and SNILS number are required. Some MFIs may ask for confirmation of income, but most often a simple questionnaire is enough.
- Obtaining funds on the card. No need to come to the office: the money goes to the card or account of the client.
- Lack of personal contact. This is convenient for residents of distant regions or those who value confidentiality.
For many, such loans become a temporary financial “pillow” in case of unforeseen expenses, delays in salaries or urgent need for funds.
Features of the design: what to pay attention to
Despite the simplicity of the procedure, the design of the online batch requires attentiveness. Here are the key aspects that should be taken into account:
Checking the legality of MFIs
Before registration of the loan, make sure that the selected organization is registered in the MFI register on the Bank of Russia website. This is important for protecting your rights as a consumer.
Studying the terms of the contract
Before confirming the design of the loan, be sure to read:
- full amount to return;
- interest rate (it can be daytime, monthly, annual);
- loan and the possibility of prolongation;
- fines and penalties for delay;
- The procedure for returning funds.
Some MFIs offer interest -free loans to new customers, but it is important to clarify under what conditions they act.
Safety of personal data
By applying, you transmit personal data. Use only secure and proven sites. Avoid doubtful resources where excess information is requested or access to personal accounts.
The aggregator check
If you use the aggregator, pay attention to the following points:
- the presence of a privacy policy;
- transparency of working conditions;
- list of affiliate MFIs;
- The absence of hidden paid services for registration.
Good aggregators do not take a fee for applying, and their earnings are built on a commission from MFIs, and not from the user.
What do experts say? According to their assessment, online bunks without visiting MFI offices are a quick and convenient way to gain access to financing. They are suitable for urgent and unforeseen situations, as well as for those who value their time and prefer remote service.
However, before the design, it is important to carefully study the loan conditions, choose a legal organization and take into account risks. The aggregators platforms simplify the process of searching and comparing sentences, but also require a conscious approach to data transfer and subsequent interaction with the MFI.
A responsible approach to microfinance allows you to avoid debt load and use this tool with maximum benefit and safety.
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