CPC "Family Capital": reviews. KPK "Family Capital": Moscow branch

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

When free money appears or a tempting offer arises to receive passive income with minimal investment, you should not think long. Invest your savings right away and you will be happy. At least, this is what they say in the advertising of such a non-banking organization as the Family Capital CPC. But is this really the case? We will talk about this in this article.

Company Profile

Company "Family Capital" is a relatively young organization that has been operating since February 15, 2011. She specializes in financing various profitable projects, lending and providing material assistance to members of her cooperative.

According to preliminary information, there are many individuals and over 30 different companies among the adherents of this association. For example, among them there are such large enterprises as the Second Wind plant, the Medvezhyegorsk Dairy Plant, the Tuxa agricultural firm and others.

At the moment, the consumer credit cooperative of citizens "Family Capital" has more than 50 branches located throughoutterritory of Russia.

How does a cooperative work?

The company "Family Capital" works according to the following principle: first, interested shareholders are attracted, who make a certain monetary contribution with a further prospect of accumulating interest; a certain fund is formed at the expense of this money, and it helps members of the cooperative to receive loans to meet their personal needs.

Credit consumer cooperative "Family Capital" does not provide loans to people who are not part of this organization. Therefore, in order to obtain the loan the borrower needs, he must first become a member of the cooperative.

Where does the money of cooperative shareholders go?

According to the employees of the organization themselves, most of the money goes to the long-term development of the domestic agricultural industry. This is due to the fact that most of the members of the cooperative are employees and owners of agro-industrial enterprises and organizations of various sizes.

In addition, the credit cooperative has a fairly large trading network, which sells goods and products of all the same agricultural companies that are shareholders of "Family Capital". In addition, the structure of the organization fully controls the entire full cycle of production. The company owns the following assets:

• several own farms;
• processing plants;
• grocery stores.

Also, the organization employs experienced specialists in the field of logistics,pricing, lending, financing, etc.

How to become a member of the cooperative?

Everyone can become a shareholder and join the family capital credit consumer cooperative. To do this, do the following:

• come to any nearest office of the company with a passport;
• pay the starting amount (fee for joining the organization) in the amount of 100 rubles;
• conclude a cooperation agreement;
• pay an additional amount within 500 rubles (performed after the signing of the cooperation agreement).

In addition, all members of the Family Capital organization are required to pay an annual membership fee of 300 rubles. This should be done before the first of February of the next year.

"For the Motherland!" - profitable cooperative program

Currently, the credit cooperative operates several programs at once, one of which is profitable. It has the original patriotic name "For the Motherland!" and provides the following parameters:

• initial payment of 500 rubles;
• make a monthly deposit to replenish any amount (at least 500 rubles);
• interest rate up to 28.9% per annum;
• loan term up to 42 months;
• monthly payment of interest or at the end of the loan agreement.

Income program "Rent"

CPC "Family Capital" offers itsshareholders and another profitable program "Rent". It also involves a contribution - 500 rubles, an interest rate - 18% per annum and monthly interest. At the same time, it is possible to receive interest by transferring them to your current account in a cooperative or by issuing the required amount in cash through the cash desk of the organization. The term of such a loan agreement can be from 6 to 24 months.

Income cooperative program

And, finally, the third program for shareholders, which is offered by the CPC "Family Capital", is "Income". It is also valid only after the shareholder makes the first installment (500 rubles), assumes an interest rate in the range of 18-20% per annum, a loan term from 6 to 12 months and the ability to receive interest after the expiration of the contract.

Cumulative program "Millionaire for 500 rubles a month"

In addition to income-generating programs, there are also accumulative programs in the cooperative. For example, "Millionaire for 500 rubles." Like the previous three, it provides for the first installment, as well as an additional monthly replenishment in the range of 500-1000 rubles. The interest rate under this program will be 15% per annum. It assumes monthly capitalization of interest and a term of up to 262 months. This is the kind of “product” that the Family Capital CPC offers to its shareholders. You can read reviews about it below.

For example, all 262 months the shareholder invested 500 rubles. Over the entire period of the agreement, he transferred about 131,000rubles, therefore, accumulated as a result 1,008,930 rubles.

Program "Millionaire for 1000 rubles a month"

Shareholders of the CPC "Family Capital" can take part in an alternative program. To do this, in addition to the desire, it is necessary to make a down payment in the amount of 1000 rubles, and then be sure to pay 1000-10,000 rubles a month. The term of such an agreement is 229 months, and the interest rate is 13% per annum. Interest on this project is accrued at the end of the agreement.

For example, in 229 months you transferred 229,000 rubles (1,000 per month) to members of the cooperative, therefore, as a result, the income amounted to 1,007,054 rubles.

Millionaire Savings Program

Offers Family Capital PDA and another savings program from the Millionaire series. The amount of the first installment for it is only 10,000 rubles, and the mandatory contribution made by the shareholder on a monthly basis is from 10,000 rubles. The interest rate under this program is 11% per annum. However, it does not provide for monthly capitalization, but involves early termination of the contract. Valid for 73 months.

For example, with a monthly transfer of 10,000 rubles to an organization for 73 months, your income will be 1,042,193 rubles.

Program for your child - "Children's Capital"

This is a unique program, since a shareholder, when participating in it, first needs to invest only 500 rubles and pay exactly the same amount every month, and receive 10,000 as a bonus from the cooperative. At the same time, 15% per annum will be charged on the entire amount, includingbonus. In turn, the program is cumulative and it is valid until the child turns 18 years old. This is an example of a program that operates in the Family Capital CPC. You will see reviews about this organization below.

"Happy Child" and "Young Millionaire" - savings programs

The "Happy Child" program is also valid until your child's 18th birthday and involves a first installment of 1,000 rubles, monthly deposits of 1,000 rubles and a bonus from the company in the amount of 10,000 rubles. The rate is 13% per annum.

"Young Millionaire" involves monthly contributions and a first deposit of 10,000 rubles, as well as a bonus from the company for exactly the same amount. The rate is 11% per annum.

Also, members of the cooperative can easily save up for the following needs:

• for education (there are programs for schoolchildren, students and teenagers);
• to buy real estate and a car.

The organization also has other programs designed for young families and people of retirement age.

Credit cooperatives: reviews

Before becoming a member of one of the non-banking organizations, you should carefully study the reviews about it. Most often this is due to a mistaken delusion. So, for example, many users are sincerely confident in the similarity of a credit cooperative and a financial pyramid. But that's not entirely true.

As a rule, such organizations have nothing to do with banks, but operate within the framework of the law and do not violate the law. All contributions are made by shareholders on a voluntary basis. In addition, for example, in the "Family Capital" they can spend the interest received on personal needs, purchasing products in the cooperative's retail chains. At the same time, a cumulative system of discounts and bonuses awaits them here as well.

Opening information and studying credit cooperatives (reviews). For example, the most controversial things are said about the Moscow branch of the Family Capital cooperative. So, some say that they “bought” on advertising and promises to receive easy passive income, but in the end they invested money and did not see what was promised. For example, one of the users writes that he invested 1,000 rubles each for three years and received a discount on the purchase of goods in cooperative stores. At first I only bought there. Later, the quality of the products ceased to suit, and decided to take his share. As a result, some dubious additional contributions in the amount of 900 rubles were deducted from his basic contribution (1000 rubles). and only 100 were returned to my hands.

Other shareholders said that they have been participating in the program for young families for four years. So far, no interest has been received, since it is calculated on the age of the child. However, they are still satisfied with the loy alty of employees and transparency in paperwork.

Thirds believe that applying to this organization is associated with certain risks: you invest now and a lot, but will you be able to return your money, taking into account interest? But what do employees themselves say about this company?

What they say about the company in the team

Smartpeople say: "Do not be too lazy to read the reviews of employees when contacting the Family Capital CPC." What do they report? For example, some ex-employees of the Moscow branch of the cooperative claim that the company operates under the license of a legal entity, therefore, it operates within the law and you should not be afraid to invest in it. Others, on the contrary, draw attention to the company's dubious reputation and say that it should not be contacted.

In a word, think it over and check everything three times before entrusting your savings to the Family Capital organization. A credit consumer cooperative is always a certain risk.