"Refinance.rf": customer reviews, features and conditions

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

There are so many temptations today that money is often spent much faster than earned. That is why microcredit organizations are flourishing rapidly, their services are in great demand. According to statistics, about 40% of Russians become their clients. But debt by payment is red. When the payment period comes to an end, it becomes clear that nothing has changed. It's hard to repay that amount all at once. It is required to break it into a certain time. This is what the company “Refinance. rf . Reviews emphasize that her services allow you to solve the problem of heavy loans and pay off debts.

A little about the company

It's no secret that borrowing money is not at all the same as paying it back on time. But if your relative is the creditor, then he can wait a bit or allow you to pay in installments. And it is a completely different matter if it is a microcredit organization. Usually the second urgent loan becomes the way out, then the third. Finally, the credit burden becomes unbearable. You can wait until collectors get down to business, but today a unique project “Refinance. rf . Customer reviews allow us to judge that here you can get real help in a difficult situation.

Aims pursued

The company entered the market as another MFI. However, the manager saw his goal as somewhat broader than simply making money on short-term loans at high interest rates. Therefore, he decided to modernize this, the most difficult sector of microfinance. Today, the company provides services to careful borrowers who find themselves in a difficult life situation.

Sometimes it's scary to go to a bank or an MFI if you have nothing to pay with the next payment. But you will always be met and understood at Refinance. rf . Reviews emphasize that the company's managers are far from condemning. They will understand and try to find a solution.

Refinancing

What is this service? In fact, this is a loan, only on new terms. The manager, together with you, will calculate the amount of debts on microloans, collect them into one and display the amount that you can repay monthly. As a result, the credit burden is reduced and the chance of paying off increases.

This is exactly what Refinance. rf . Reviews highly appreciate the work of the company. She has no analogues yet, and for a huge number of clients she has become a chance to get out of debt. That is, the refinancing of microloans is also a loan, but on softer,individual conditions. The first is the lower interest rate. Repayment occurs in equal installments, the amount of which becomes available to the payer.

Such a service allows you to solve the problem that they usually try to close by opening a new loan. Of course, it only gets harder because the interest rate stays the same or goes up. But refinancing several loans at the same time avoids complete bankruptcy.

Selective customer service

As the leader emphasizes, this scheme is only suitable for those people who really want to pay off their debts. There is a well-established dialogue system aimed at finding out the client's motivation. For example, even on the phone they explain to a person that they don’t give money on hand here. They cannot be obtained either in cash or by bank transfer. Repayment will occur only between organizations. And the client will have a clear repayment schedule in his hands. Many already at this point refuse further cooperation. Only those who want to solve the problem remain, that is, to pay off and fulfill their obligations.

Participation in the program

What do you need to get this service? First of all, you need to find an office of the company “Refinance. rf . Customer reviews suggest that so far there are not so many of them in Russia, so the service is available only in Moscow, Volgograd, Voronezh and Kaliningrad. But, as the leader promises,new ones will definitely be opened.

In general, its concept is very different from all other MFIs that operate on the territory of the Russian Federation. The manager believes that money should not be handed out for a short period of time, since in 90% of cases a person will not be able to pay. There must be a target payment, with annuity repayment.

To participate in the program, the borrower must meet the following requirements:

• Citizenship of the Russian Federation.
• Having permanent registration.
• Open microloans. This is an important point, since the company does not work with bank loans.
• Age over 21.

Loan amount

Reviews about the company "Refinance. rf" emphasize its focus on the client. The conditions are the most loyal. However, the company must be sure that they will get their money back. Therefore, if the borrower is not more than 25 years old, and the loan amount is 100 thousand, then a guarantor from among relatives will be required. And if 300 thousand is required, then two guarantors will be needed. For example, it could be a mother and father. Otherwise, all conditions are considered individually.

Application steps, feedback and conditions

Refinance. rf is not a charitable organization at all. Each borrower is carefully checked here to minimize risks.

• The applicant leaves the application and the borrower's questionnaire. It can also be sent by mail for consideration.
• Providing the packagedocuments. It includes not only a scan of the passport, but also documents on loans. You will need to attach receipts of loan payment, as well as proof of solvency and employment.
• Signing the contract.

Reviews about the organization “Refinance. rf suggest that the lack of a permanent job is not a reason for an immediate refusal. But the inspector will ask you to tell how you plan to pay off your debts. Further, your situation will be de alt with individually.

After the agreement comes into force, loans to microcredit organizations are repaid. Now you have obligations only to this company. Payments must be paid every month, according to the schedule.

What is important to know

Today, many people have problems with paying loans. Why is this happening? In some cases, due to banal financial illiteracy. You cannot spend more than you have. Advertising is also to blame for this, which offers, without hesitation, to buy the thing you like today, using a loan. In this regard, the reviews about the agency “Refinance. rf . In addition to direct duties (providing the service we are considering), managers conduct lectures and seminars in which they tell how to correctly calculate their income and plan expenses.

• The agency only refinances debts to microcredit organizations.
• Keep in mind that the fewer loan arrears, the greater the chance to getrefinancing.
• You will definitely need to indicate the contacts of the guarantor. He will have to give a verbal recommendation to the borrower.
• Solvency can be confirmed by confidential information, it is not necessary to provide a certificate of employment.
• Apply processing takes up to 5 working days.
• Number of microloans you want to close.
• The maximum amount of refinancing is 500 thousand. The maximum term is up to 5 years.

Another important point: if you received refinancing in the amount of 50,000 or more, you will not be able to get an additional loan from another MFI, unless this was stipulated in the terms of the contract.

Customer feedback

In Voronezh “Refinance. rf”(reviews about the company are mostly warm) opened its first office and quickly received high appreciation from consumers. Almost all MFI clients face such a problem that initially 2% per day seems like an insignificant overpayment. As a result, a huge amount is wound up in a month, which is difficult, if not impossible, to pay back. Refinancing solves this problem.

Clients note that cooperation with this company makes it possible to get rid of the situation when only interest is paid off, and the principal debt remains unchanged. If you believe the reviews, using this program, you will be able to simultaneously reduce the principal and interest. As a result, the monthly amounts become quite affordable and the repayment will be easy.