Loan offers today are interesting to many people. Thanks to these services, you can save up a few months for any purchase or treatment. Loans are issued and issued in a few minutes. Do you want to get a loan too? Pay attention to Micro Capital Russia. This is a microfinance company (IFC), whose activities cover 33 regions of our country. Let's look at the organization Micro Capital Russia, reviews about it.
Organization Information and Feedback
When choosing a microfinance organization, it is important not to fall into the hands of fraudsters and unscrupulous companies that entice with interesting offers and at the same time hide some conditions from customers. Pay attention to the reputation and experience. IFC Micro Capital Russia has many positive reviews. This company has been operating in Russia for several years, is a subsidiary of the Luxembourg company Mikro Kapital Sarl
Over the years, the microfinance organization has formed several advantages that distinguish it from competitors. In the reviews of Micro Capital Russia, customers note the following features:
- IFC has developed several ready-made loan products, among which each client can choose what suits him best. There is also the possibility of concluding an agreement on individual conditions.
- The company is improving for the convenience of its customers. Modern technologies are used that allow borrowers to send applications via the Internet.
Loan without security
Consider the loan products existing in the company. Micro Capital Russia offers private individuals to issue consumer loans without collateral. The conditions are set as follows:
- the minimum amount is 60 thousand rubles;
- the maximum amount is 500 thousand rubles;
- the term for which the contract is drawn up is from 3 to 6 months;
- minimum interest rate - from 3.42% per month;
- maximum percentage - determined in each case individually.
In the reviews of Micro Capital Russia, people note that the above conditions are standard. If necessary, the company can conclude an agreement with the borrower on special conditions, so customers are advised to contact this credit institution with absolutely any offers.
Real estate loan
Large amounts in Micro Capital Russia are secured by real estate. It can be an apartment, garage, land or commercial property. Contracts are concluded both with private individuals and with legal entities, individual entrepreneurs.
Private traders can receive 15 million rubles for a minimum of 3 months or a maximum of 5 years at an interest rate of 2.34% per month. For legal entities and individual entrepreneurs, the conditions are slightly different. The maximum amount for this category of customers is 30 million rubles, and the interest rate is from 1.88% per month.
The specific size of the loan depends on the value of the property, acting as a collateral. Micro Capital Russia provides its customers with amounts of up to 70% of the value of the property.
Pledged loan
Another loan product in the company is a loan secured by a TCP. Judging by the reviews of Micro Capital Russia, it is offered to individuals and legal entities, individual entrepreneurs. Suitable collateral items are cars and trucks, motor vehicles, buses and various special equipment. The borrower can get up to 70% of the total cost of the vehicle.
A loan secured by TCP has several general conditions for individuals and legal entities, individual entrepreneurs:
- Term. A loan is issued for a minimum of 3 months and a maximum of 3 years. The specific term is determined by each client independently.
- Interest rate. It ranges from 3.46% per month.
The conditions differ by the maximum available amount. For individuals, it is 1 million rubles, and for business representatives - 2 million rubles.
Borrower Requirements
To apply to IFC Micro Capital Russia, you must meet certain requirements. Firstly, the company pays attention to age. A contract with a client is concluded if his age is from 25 to 65 years.
Secondly, you must have the necessary documents. It is recommended to check their list in advance with the company. A private person, for example, must provide:
- copy of passport pages;
- documents that will allow the company to draw conclusions about the employment of the client and his financial well-being;
- documents confirming marital status, etc.
Even from the above list, one can understand that Micro Capital Russia is a serious microfinance organization that does not give out money to everyone. She only works with wealthy clients who can pay the amount of money that they draw up.
Filing an application
The process of applying for a microloan begins with an online application. Its form is available on the official website of the company. The client is required to indicate:
- desired amount;
- suitable period (in months);
- the purpose of obtaining a loan (consumer goal, expanding your own business, acquiring equipment, working capital or something else);
- surety and security (in this field, the client has the right to indicate “without security”);
- name;
- Email address
- telephone number;
- region of residence.
Within 24 hours, incoming online applications for microloans are processed. Specialists must call back the people who apply, offer them the most suitable loan products that correspond to the wishes that were indicated in the application form. Further processing of the loan takes place in the organization.
If you have no time to fill out an application on the site, then contact immediately any nearby office. For example, in Moscow, Micro Capital Russia is located at ul. Zemlyanoy Val, d. 52/16, p. 1.
If you do not know if there is a division of this company in your city, then look at the official website. In the "Contacts" section you will find the address "Micro Capital Russia" in your village and phone number.