"RosDengi": reviews. RosDengi is a microfinance organization

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

The activities of Russian microfinance structures are aimed at providing urgent financial assistance to Russian citizens within a limited amount of funds for a short period of time. As a rule, applications for a microloan in MFIs are not rejected, since a high interest rate fully compensates for unforeseen delays in loans. One of these credit services is the RosDengi company. Customer reviews testify to the trouble-free issuance of short-term loans and loyal conditions that allow citizens with a bad credit history to apply for a microloan.

What is a microfinance institution

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

The high degree of demand among citizens of the Russian Federation is due to the loyal conditions for obtaining a loan and the ability to take an urgent loan without additional income statements and the involvement of guarantors. As a rule, microcredit is carried out online, that is, without the need to personally visit the company's office. Therefore, the client base of MFIs is constantly expanding due to new users, which creates he althy competition for loans in large banking structures.

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

Both types of lending represent the receipt of borrowed funds in order to improve the financial situation and solve urgent financial problems. From the moment of receiving the money, the borrower has certain debt obligations to the organization, which he must fulfill after a specified period. The loan period is specified in the contract. Together with the principal amount of the debt, the client is obliged to pay a fixed interest rate charged for the use of funds.

Unfulfilled debt obligations to a bank or MFI can lead to serious consequences, up to criminal liability. The accrual of pen alties and interest 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 a frivolous type of lending. Just like large financial institutions, MFIs take action and chargedebt from the borrower in the same ways as banks.

Credit or microloan - what's the difference?

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

• First of all, getting a microloan from an MFI is much easier and faster than a loan from a bank. The bank carefully checks the identity of the client, solvency, and, as a rule, 50% of applications are rejected. Microfinance structures are more loyal to their customers and give out money even with a bad credit history. 9 applications out of 10 are approved by the credit service.
• The size of the bank loan is many times greater than the possible amount of a microloan. MFIs do not issue more than 30,000 rubles to clients, and the bank is able to lend to citizens for millions.



• The maturity of the debt on the loan is several years. It is necessary to return the microloan within a short period of time. As evidenced by the reviews, "RosDengi" requires borrowers to return the money after 17 days.
• To apply for a loan, you need to collect a large package of documents: passport, TIN, certificate of employment, certificate of average monthly income, medical insurance, pension certificate, military ID, documents for property or vehicles, etc. only on the passport of a citizen of the Russian Federation.
• You can apply for a loan only at a bank branch. Microfinancing is carried out by transferring the requested amount to the client's bank card. The identity of the borrower is verified by a scanned copypassports.
• Most large banking structures issue a loan 5-7 days after the application is submitted. You can get an urgent loan on the day you apply.
• You can apply for an urgent microloan at any time of the day, as credit services work around the clock. Loan processing is carried out at the bank branch and only during the established working hours.

Interest rates in MFIs: myths and reality

Among the comments of those who use the services of microfinance institutions such as "RosDengi", opinions about interest rates are of a common nature. The annual interest on loans in numerical terms is quite high and, in comparison with bank charges, is not profitable. The company has set a fixed interest rate of 2% of the loan amount per day. That is, for each day of using the money, the borrower must pay part of the funds to the organization. The shorter the loan term, 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. The high ready rate is offset by a short loan term and a small loan amount. Instant bank loans, which are issued by financial institutions on the day of application, have an interest rate not much lower than microloans in MFIs. Reviews about the company "RosDengi" indicate the fact that it is quite possible to borrow money before a salary or pension, as well as pay interest on a loan. However, it is not worthforget that in case of late repayment of the debt, the borrower is charged a pen alty every day in the amount of 2% of the debt amount.

RosDengi: customer reviews

The company specializes in providing urgent microloans to citizens of the Russian Federation and provides financial support on the day of application. MFO "RosDengi", reviews of the activities of which can confirm its popularity among borrowers, was founded in 2010 in St. Petersburg. Today it is the leading federal microfinance network, represented in 33 regions of the country and with 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 enjoy serving customers.

It is possible to issue an urgent loan in "RosDengi" to all adult citizens of the Russian Federation who have a regular income. Loyal registration conditions allow the company to constantly increase its customer base and, accordingly, provide individual service programs to verified customers.

Microloan conditions

Company "RosDengi" provides an opportunity to urgently obtain credit without income statements, as well as without the involvement of guarantors and liquid collateral. You can apply for a microloan on the following conditions:

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

Having issued a microcredit and not being able to pay the full amount of the debt in a timely manner, the borrower has the right to use the loan prolongation service, repaying only the interest on the actual loan amount provided by RosDengi. Feedback from numerous customers indicates the convenience of this service, since no one is immune from force majeure situations.

Timely payment of short-term loans guarantees customers with bad credit an opportunity to improve it. According to statistics, the majority of loan defaults were not the fault of the borrower. It can be a sudden illness or salary delay due to the fault of the manager. Therefore, a bad CI cannot objectively characterize a person as an insolvent client. Microfinance organizations meet the needs of 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

Each solvent client who meets the basic requirements of the company can apply for an urgent microloan:

• the age of the borrower must be within certain limits (not less than 18 and not more than 70 years old);
• client must be a citizen of the Russian Federation;
• a potential borrower must have permanent registration in the territory of one of the subjects of the country;
• A stable income is a prerequisite for RosDengi microcredit.

Reviews of borrowers who use the financial support of the company indicate the loy alty of the requirements, since not all microfinance organizations lend to citizens from the age of 18. This fact allows you to take an urgent loan for students who receive a scholarship, but do not yet 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 lending experience behind them, which means that their identity cannot be verified by the bank for a transparent credit history. MFO "RosDengi" does not submit a request to the Central Catalog of Credit Histories, therefore, citizens included in the list of bad borrowers can also apply for an urgent microloan. By paying off the debt on time, the client can change his credit history for the better, which in the future will allow him to take more serious loans (mortgage or car loan).

"RosDengi": delay, customer reviews

RosDengi LLC, whose debtors' reviews prove the seriousness of problems in case of non-payment of debt, sets a fine for late repayment of debt in the amount of 2% of the actual amount for each day. If the borrower's circumstances qualify as force majeure, the company can extend the loan term by paying only daily interest. If the client did not consider it necessary to warn the MFI about a possible deferred payment, thenFor a small amount of credit, an impressive debt can accumulate. For example, unpaid 5,000 rubles can grow into 70,000-80,000, which the borrower will have to return to RosDengi.

Delay, reviews and letters from the company, as well as unpleasant conversations with collectors - all this can await the debtor in case of non-payment of the amount spent. As a rule, the company does not immediately take 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 reviews are mostly positive. There are 12 branches in the capital located in different parts of the city. MFO is one of the three largest organizations providing short-term loans to residents of Moscow.
• "RosDengi" (St. Petersburg). Receives feedback from employees regularly. Branches in St. Petersburg provide jobs for many residents. Employees are satisfied with their work and wages.



• "RosDengi" (Saratov). Customer reviews are mostly positive. Borrowers note that microfinance centers in Saratov are located at 6 addresses, and the conditions for obtaining a loan allow you to take an urgent loan in the amount of up to 30,000 rubles.
• "RosDengi" (Ulyanovsk). Customer reviews testify to the convenience of the location of the branch at Moskovskoye Shosse, 47B,providing the opportunity to borrow money before salary or pension at the office of a microfinance institution.
• "RosDengi" (Samara). Reviews from borrowers are generally good. The Microfinance Center in Samara is located at Metallurgov Avenue, 96.

Online application for an urgent loan

You can urgently receive financial support from RosDengi LLC not only in one of the company's branches, but also online, without leaving your home. The official website works around the clock, so you can send a loan application at any time convenient for the client. The application must specify the personal data of the borrower, and the accuracy of the information is one of the requirements of the company. The questionnaire should indicate the source of stable income. This information is necessary, as the lender must be sure of the client's solvency. There is no need to provide a certificate of income, which allows you not to waste time collecting documents. The MFI may ask you to send a scanned copy of the borrower's passport. The scan must be of good quality, the photo and personal data of the client must 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 creditor sends the response decision to e-mail or to a mobile phone in the form of an SMS message. The loan limit is indicated in the borrower's application form. Based on the data provided, the company's employees can reduce the amount of the requested loan. To get a loanyou must provide the bank account number or the borrower's card. If desired, a loan can be obtained in cash at one of the branches of the RosDengi company.

How to repay microcredit debt

Clients note that the timely repayment of debt on a microloan will allow using the financial services of RosDengi without any problems. Collectors, reviews of which prove the seriousness of debt obligations to MFIs, sometimes take cruel measures against debtors, up to blackmail and threats, so you should take loan repayment as seriously as possible and avoid unjustified delays. After 17 days, the borrower is obliged to repay the debt in full: the body of the loan and interest for each day of using the money. Payments on microloans are accepted by the company in any way convenient for the client:

• in any of the MFI offices;
• through electronic payment systems;
• by transferring the required amount of debt from the borrower's bank card to the company's details;
• using service centers of mobile operators.

Force majeure can happen to anyone. Delayed salary or pension, not repaid the debt on time, or any other situation may take the borrower by surprise. If, after the expiration of the loan period, for a number of valid reasons, the client cannot repay the debt, then the RosDengi MFI (reviews from clients in all cities of the country prove the convenience of this service) provides an opportunityextend 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 microcredit

• The main advantage of microfinance is, of course, the ability to borrow money quickly.
• There is no need to collect a voluminous package of documents and personally visit the company's office.
• The entire lending procedure can only be completed using a scanned copy of the borrower's passport.
• RosDengi does not require customers to have an impeccable credit history. This is also an important advantage of microfinance, since large banking institutions do not lend to citizens who are on the list of insolvent customers.
• It takes 10 minutes to consider the application, after which the borrower can receive money on the card of any bank.

Cons

• The loan is provided for a short period of time (17 days), so you need to know exactly whether the borrower will have the financial opportunity to repay the company's debt in 2 weeks.
• Unfulfilled debt obligations can lead to serious problems: a significant 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 the debt.
• If the debt is resold to collection agencies, then nightly threatening calls, blackmail, and other illegal actions can be expected.

Therefore, before taking a loan from an MFI, you should carefullyanalyze the financial situation and not commit rash actions. Remember that bank debt, once formed, tends to skyrocket.