There are so many temptations today that money is often spent much faster than it is earned. That is why microcredit organizations are booming, their services are very popular. According to statistics, about 40% of Russians become their customers. But debt by payment is red. When the payment deadline comes to an end, it becomes clear that nothing has changed. It’s hard to give this amount back at once. It is required to break it down at a certain time. This is what the company Refinance. rf. " Reviews emphasize that its services can solve the problem of heavy loans and pay off debts.
A little bit about the company
It is no secret that borrowing money is not at all what it is to return on time. But if the lender is your relative, then he can wait a bit or allow to pay in installments. And it’s a completely different matter if it is a microcredit organization. Usually the second urgent loan becomes the solution, then the third. Finally, the credit burden becomes unbearable. You can wait until the 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.
Pursued goals
The company entered the market as another MFI. However, the leader saw his goal somewhat broader than simply making money on short-term loans at high interest rates. Therefore, he decided to modernize this, the most difficult microfinance sector. Today, the company provides services to neat 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 in the company “Refinance. rf. " Reviews emphasize that company managers are far from condemnation. They will understand and try to find a solution.
Refinancing
What kind of service is this? In fact, this is lending, only on new conditions. 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 load is reduced and the chance to pay off is increased.
That's what Refinance. rf. " Reviews very 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, refinancing microloans is also a loan, but on milder, individual terms. First of all, it is a reduced interest rate. Redemption occurs in equal payments, the amount of which becomes available to the payer.
Such a service allows you to solve the problem that they are trying to close by standard by opening a new loan. Of course, it only gets harder, because the interest rate remains the same or rises. But refinancing several loans at the same time avoids complete bankruptcy.
Customer selectivity
As the head emphasizes, this scheme is suitable only for those people who really want to pay off their debts. There is a well-functioning dialogue system aimed at finding out the motivation of the client. For example, they also explain to a person over the phone that they don’t give money to their hands. It is impossible to get them in cash or bank transfer. Redemption will only occur between organizations. And the client will have a clear repayment schedule on hand. Many already at this moment refuse further cooperation. Only those who want to solve the problem remain, that is, pay off and fulfill their obligations.
Participation in the program
What is needed to make this service available to you? First of all, you need to find in your city the office of the company “Refinance. rf. " Customer reviews suggest that 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 certainly be opened.
In general, its concept is very different from all other MFIs that operate on the territory of the Russian Federation. The head believes that money should not be handed out for a short period, since a person in 90% of cases will not be able to pay. There must be a targeted payment, with annuity repayment.
To participate in the program, the borrower must meet the following requirements:
- Citizenship of the Russian Federation.
- The presence of a permanent registration.
- Open microloans. This is an important point, since the company does not work with bank loans.
- Age from 21 years.
Loan amount
Reviews about the company “Refinance. rf ”emphasize its focus on the client. The conditions are as loyal as possible. However, the company must be sure that it will receive its 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 the relatives will be required. And if 300 thousand is required, then two guarantors will be needed. For example, it can be a mother and a father. Otherwise, all conditions are considered individually.
Application steps, reviews and conditions
“Refinance. rf ”is not a charitable organization at all. Every borrower is carefully checked here to minimize risks.
- The applicant leaves the application and the questionnaire of the borrower. It can also be sent by mail for review.
- Providing a package of documents. It includes not only a passport scan, but also loan documents. You will need to attach receipts for payment of the loan, as well as confirmation of solvency and employment.
- Signing a contract.
Reviews on Refinancing. rf ”suggests that the lack of a permanent job is not a reason for immediate refusal. But the inspector will ask you to tell how you plan to pay off debts. Further, your situation will be dealt with individually.
After the contract comes into force, loans to microcredit organizations are repaid. Now you have obligations only to this company. Payments must be paid every month, in accordance with the schedule.
What is important to know
Today, many people have problems paying loans. Why it happens? In some cases, due to banal financial illiteracy. You can not spend more than you have. The advertisement is also to blame for this, which offers, without hesitation, to buy the thing you like exactly today, using the loan. In this regard, 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 refunds debts to microcredit organizations.
- Keep in mind that the less loan delinquencies, the greater the chance of getting refinancing.
- Be sure to specify the contacts of the guarantor. He will have to give an oral recommendation to the borrower.
- Solvency can be confirmed by confidential information, it is not necessary to provide a certificate of employment.
- Application review takes up to 5 business days.
- The number of microloans you want to close.
- The maximum refinancing amount is 500 thousand. The maximum term is up to 5 years.
Another important point: if you received refinancing in the amount of 50 thousand or more, then you will not be able to get an additional loan from another MFI if this was not stipulated in the terms of the agreement.
Customer Opinion
In Voronezh “Refinance. rf ”(reviews about the company are mostly warm) opened its first office and quickly received high consumer appreciation. Almost all MFI clients face such a problem that initially 2% per day seems to be a slight overpayment. As a result, a huge amount of money is wound up in a month, which is difficult to give, if not impossible. Refinancing solves this problem.
Customers note that cooperation with this company makes it possible to get rid of the situation when only interest is paid off, and the main debt remains unchanged. If you believe the reviews, using this program, you will get the opportunity to simultaneously reduce the main debt and interest. As a result, monthly amounts become quite affordable and repayment is easy.