To take a loan or make a deposit, it is not necessary to contact banks. Clients can receive financial services from credit cooperatives. One of the most popular organizations in Russia is Rusfond, reviews of which will be considered in the article.
Cooperative Information
KPC Rusfond is a non-profit organization. The basis of the company’s activities is the provision of high-quality financial services to members of the cooperative, improving the economic situation in the country and improving the quality of life of citizens.
The Russian Fund guarantees the fulfillment of obligations to investors, as the savings are insured. The guarantor is NPO "MOVS".
Rusfond is also part of SRO Soyuzmikrofinans. This is a self-regulatory organization, which will include more than 100 of the largest PDAs in Russia. Membership in Soyuzmikrofinance guarantees shareholders the fulfillment of their rights prescribed in the contract.
Reviews of the CCP "Rusfond" in the network confirm the legal and "transparent" activities of the company. Shareholders note that all documents (about the company, the contract) are on the main site of the financial organization. This allows you to get acquainted with the activities of the cooperative before joining the ranks of members.
Consumer cooperative services
According to reviews, Rusfond provides the following services:
- consumer credit;
- car loan;
- mortgage;
- refinancing loans from other banks and MFIs;
- loans for legal entities;
- contributions.
In order to use the services of KPK "Rusfond", you need to become a shareholder. For other categories of citizens, the conditions of the cooperative are not available.
How to become a member of the CCP "Rusfond"?
Cooperative services are available only to shareholders. To become a member of the CCP, you must:
- visit one of the branches or call support service;
- apply for membership;
- pay 350 rubles as a membership fee and 200 rubles as a mandatory fee for all members;
- get a book of a member of a cooperative with the indicated amounts.
According to reviews of Rusfond, members of a cooperative can pay their dues in any convenient way. This can be done immediately at the office of the PDA or by transfer at the bank, in terminals or through online wallets.
Members of the cooperative not only get the opportunity to use all the services of the fund, but can also take an active part in managing the activities of the CCP at the General Council of Contributors.
Information about loans at KPK "Rusfond"
The most popular in the cooperative are consumer loans. They are the basis of the company's revenue. In their reviews of the Rusfond, borrowers note the features of lending:
- Loans are granted only to shareholders. If the client wants to get a loan, but he is not yet a member of the CCP, when filling out the application, he must also enter the data in the questionnaire of a member of the cooperative.
- You can get a loan in just two documents. Be sure to require a passport and TIN, upon receipt of a large amount - information about income.
- Loans are issued in the amount of from 30 thousand rubles to 1 million. The decision on the amount is made by the authorized committee.
- Interest rate - from 14% per annum.
- Loans are issued to customers from 18 to 75 years old.
All lending conditions are strictly observed by KPC Rusfond. The feedback on the company loans indicates that borrowers are required to provide a full set of documents for granting a loan. Without the availability of relevant certificates, the issuance of a loan will be refused.
Clients can receive loans to the CCP in cash, to a bank card or account. Loans are issued within 5 days from the date of submission of all documents and application.
Features of lending in a cooperative
Before applying for a loan in a credit cooperative, borrowers must familiarize themselves with the mandatory conditions. One of these is credit insurance.
According to reviews by Rusfond employees, it is impossible to get a loan without insurance. In this case, the interest rate is set based on the characteristics of the contract. The decision on its size is taken by an authorized committee in the person of one or more members of the CPC. The higher the risk for a financial institution, the higher the percentage the client will be required to pay for insurance coverage. The minimum insurance amount is 0.7% of the loan amount per year, the maximum shareholder must pay 1.5% annually.
Negative reviews about Rusfond indicate that, in addition to compulsory insurance, customers are required to transfer a membership fee of 600 rubles to their account every month. This amount is not included in the amount of the monthly loan payment.
After granting a loan, the contract is considered open without the right to appeal it. The shareholder cannot refuse the credited loan.
There is also no prohibition by the shareholder on the transfer of credit to third parties, for example, to collection agencies. Therefore, in case of violation of the loan agreement, KPC has the right to terminate the loan agreement with the client unilaterally and transfer the information to collection agencies.
Loans are issued even to shareholders with a bad credit history. Interest rate, loan amount for each client - individual. It is impossible to change the interest after a loan is issued. Loans are granted only in rubles.
About car loans at Rusfond
If a shareholder wants to get a loan in the amount of 200 thousand rubles to 3 million, he can provide a car as collateral. In this case, he will be available credit conditions under the program "Car loan".
The reviews of KPC Rusfond in Moscow indicate that interest on car loans and insurance are similar to the offer for a consumer loan.
To obtain a loan secured by a vehicle, the shareholder must provide information about the car. A certificate of registration of the machine is required. The appearance, condition and year of manufacture of the car affect the amount of the loan.
Car loans are provided to citizens from 18 to 75 years old. In addition to documents for the car, it is required to provide a passport, TIN, a shareholder’s book (or application for joining the CPC) and a certificate confirming income.
In the reviews (in Moscow) about KPC Rusfond, clients write that the committee takes a decision on the application on average no more than three days. If after 5 days the borrower has not received a notice of a loan, you should contact one of the Rusfond branches for consultation.
In case of refusal, customers can re-apply for a car loan after 2-3 months. The main reason for the refusal to issue funds is the unsatisfactory condition of the car or the extremely negative credit history of the shareholder.
According to the reviews of the employees of KPC Rusfond in Moscow, the presence of an outstanding consumer loan is not a reason for refusing to receive a car loan. But this can affect the size of the loan secured by cars.
Refinancing in the CPC "Rusfond"
Wanting to reduce the overpayment on all loans, shareholders can apply for refinancing with the CCP. To apply, you need to fill out an application, provide copies of loan agreements, passport and income information. The application is considered within 24 hours from the moment of signing the application.
Reviews of the Rusfond (company finances) confirm the possibility of obtaining a loan of 3 million rubles. In this case, the borrower may not worry about the repayment of existing contracts. All obligations for the payment of loans are undertaken by the CCP. After transferring funds to the loan accounts of other banks, the client is provided with certificates on closing the agreements.
Refinancing allows you to reduce the interest rate on all loans by 3-10% per annum. At the same time, the client himself chooses what size of the monthly payment will be convenient for him and for how long to conclude an agreement.
Clients can apply for refinancing both at Rusfond offices and on the company's main website. To conclude a contract, a client must also be a shareholder of KPC and pay entrance fees.
Mortgage loan at KPC Rusfond
According to reviews of loans at Rusfond, a mortgage loan involves a targeted loan for the purchase of real estate. Loans are issued in the amount of 600 thousand rubles to 15 million.
Interest rate - fixed for the entire term of the contract. The shareholder can calculate a loan from 8% per annum. In order to apply for a mortgage at Rusfond, you need:
- passport;
- statement of the borrower;
- INN .;
- profile;
- any certificate confirming the income of a citizen.
As is the case with consumer loans, mortgages can even be approved for shareholders with a bad credit history. The loan amount and interest rate are set within 5 days from the date the client provides a full package of documents.
Mortgage in the CCP is a targeted loan. Funds can only be spent on the acquisition of real estate. A loan is a collateral: real estate acquired by a client acts as collateral. An apartment or house is pledged until the loan is fully repaid.
Money is issued only in rubles. The loan can be obtained in cash, transferred to a bank account or personal plastic card.
There is no prohibition on early repayment of a mortgage loan at Rusfond. An application can be issued in the amount of 30 thousand rubles. With early repayment, bank interest is recalculated.
As in consumer lending, the borrower is required to take out insurance coverage at 0.7-1.5% per annum. The monthly mandatory contribution to the CCP is 300 rubles.
How to repay loans at the Rusfond?
Consumer loans are issued with a payment schedule. The shareholder must deposit funds by annuity, or equal, payments.
If the shareholder wants to pay quickly under the contract, he can arrange early repayment. The minimum amount for early debit is 30 thousand rubles. The client can repay the loan in excess of the amount of the monthly payment at any time, having previously notified the lender of his decision.
The reviews of the employees of Rusfond indicate that in case of early repayment the client is not exempted from paying fines in case of delay.
Only the client himself can repay the loan ahead of schedule. His relatives are not entitled to deposit funds ahead of schedule on his behalf.
Contributions to a credit cooperative
For those who wish to increase their income, KPC Rusfond offers deposits with an interest rate of up to 13.05% per annum. To issue them can only members of the cooperative. Even if the client wants to join the CCP just for the sake of opening a deposit, he still has to pay membership and mandatory fees.
Currently there are 2 deposit processing programs:
- Optimal. A shareholder can issue a deposit for an amount of 50 thousand rubles for a period of 6 months.
- The maximum. Deposit with a monthly interest payment. You can deposit amounts from 100 thousand rubles for a period of 10 months.
According to feedback from employees of KPC Rusfond, all contributions to the cooperative are insured. This allows shareholders to not worry about their savings. Each program has a monthly capitalization.
Deposits can be replenished at any time and for any amount. After the expiration of the program is automatically extended for the same period. The interest rate may change after the expiration of the contract. The current interest rate will depend on the current program for capitalization of shareholders' funds.
The interest rate decision is established by a special committee of the CPC. It depends on the amount deposited and cannot exceed the maximum border.
Branches of CPC "Rusfond"
Currently, customers can personally apply to branches in three cities of Russia: Moscow, Voronezh and Kazan. The reviews about the Rusfond KPK in Kazan coincide with the opinion of the shareholders in Moscow: the same lending and deposit conditions.
In Moscow, customers can apply for Staropetrovsky passage, d. 1, p. 2, office 6. The branch operates from 10 a.m. to 7 p.m. seven days a week, on Saturday and Sunday service is carried out by appointment.
In Voronezh, the office is located on the street. Engels, d. 64a, office 527. The working hours are the same as in the capital's branch.
According to reviews of KPC Rusfond, in Kazan, the branch serves customers from 9 a.m. to 6 p.m. It is located on the street. Pushkin, d. 12, office 205. Service on weekends is by appointment.
Each branch has a quality control department telephone. By calling it, the shareholders can leave a gratitude or complain, as well as offer their conditions for improving the activities of the credit cooperative Rusfond. Calling in Russia is free.
More than 4/5 clients receive services remotely through the organization’s main site. This is much more convenient and faster than a visit to the office. Online shareholders can apply for a loan, mortgage and refinancing, as well as open a deposit.
Credit Cooperative Reviews
Reviews about the cooperative on the network are not always positive. Many customers complain about scammers who are hiding behind the name of the fund for their own gain. More than 76% of applicants have no complaints regarding the work of the employees of KPC Rusfond.
To avoid meeting with scammers, it is not recommended to personally contact other funds other than those indicated. If it is not possible to receive the service in person, customers can arrange everything online. All services, from deposits and mortgages, are available for registration online.
Customers note that the lender is fulfilling his obligations. Loans are issued quickly, with an attractive interest rate. The borrower can always get advice on early repayment.
Deposits are paid on time, without delay. The interest rate of 13.05% is paid to those who are willing to deposit amounts of 1.5 million rubles or more. The interest on the deposit "Optimal" the client can receive at the end of the term. On the deposit "Maximum" it is paid every month.
Of the negative aspects, customers note compulsory insurance for all types of loans. Without it, it is impossible to get a loan. More than 2/3 of borrowers are against insurance, but they cannot refuse it.
In addition, shareholders do not like mandatory contributions to the CPC for those who apply for a loan. For a mortgage loan they amount to 300 rubles, for other types of lending - 600 rubles per month.
Another Rusfond: helping children
Information about the Russian Fund is not always associated with a consumer cooperative. In Russia there is a charity with the same name - Rusfond. Her prerogative is to help seriously ill children.
Reviews about the "Rusfond" (helping children) are extremely positive. The company aims to provide free financial assistance to those in need. Funds come from all over the world, including from Russian citizens. Both individuals and legal entities can make a donation.
Initially, the fund positioned itself as the program of the Kommersant newspaper, but later the scale grew to a separate financial organization. Reports on funds allocated for treatment are publicly available, which excludes cases of appropriation of donated funds.
Rusfond has been operating since 1996, and during this time more than 22 thousand children have already received help. According to parents, Rusfond broadcasts about children’s problems not only through the Internet: regional and state media are eager to support charity. One of the main partners of the fund is Channel One. The Foundation is a member of community service providers. He received a grant to print publications for bone marrow donors. "Rusfond" is marked with a commemorative sign, has earned the prize "Silver Ray".
How to help?
Those who want to donate funds can do this in any convenient way:
- pay online with a bank card or electronic wallet;
- deposit funds using your mobile phone;
- transfer by bank details or payment terminal.
When depositing funds, the fund does not charge a commission. Overpayment may be associated with a bank commission for transferring funds to the account of a legal entity.
Those who transferred funds will be able to familiarize themselves with their receipt on the Rusfond website. The payer can choose to whom exactly to send money for treatment. A list of children in need with a detailed description of the problem and a photo is on the fund's website.
When transferring, it is not necessary to indicate the full name. Funds may be donated by an anonymous payer. According to reviews of Rusfond, assistance in the form of financial resources will go strictly according to the purpose and choice of the payer.
If during the collection process funds were transferred in excess of the necessary, then the surplus will be allocated to help other children (on the basis of urgent need).
Help Fund Reviews
The network has a lot of reviews about the charity. Those who received protection and financial support are grateful to the company and everyone who did not remain indifferent.
But there are citizens who are not satisfied with the work of the fund. These are those who are faced with scammers. , 10 , .
In order not to be a victim of scammers, it is not recommended to deposit money into other people's accounts. The fund provides assistance by transferring funds through an official source listed on the Rusfond website. Each ruble spent is indicated in the report, which is available for viewing by all visitors to the site.