Constant spending drives many of our contemporaries into debt, and at the same time, abandoning purchases is almost impossible. Often, money is spent on completely irreplaceable things: basic necessities, payment of bills for housing and treatment. You can use a credit card, but its limits are limited, and the conditions are not very favorable. If the situation when money is urgently needed is rare, and there is no need for a plastic card, you can ask for help from a company that issues small amounts of debt on adequate terms.
There are many advantages to the work of such enterprises, so the demand for their services is stably high, especially in large cities. On the other hand, there is a chance of being in a debt hole, if you are too sloppy, irresponsible. Below we consider one of the most famous companies in our time - “Money for the house”. Feedback from debtors about it is mostly positive. But is everything really good?
Money for the house: how it works
The company presents itself as a company ready to assist a person in a difficult financial situation. This organization offers assistance not only in the form of real money. You can apply virtually, and the money will come to a plastic card. No need to even leave the house. Undoubtedly, a very convenient and attractive way to get the treasured amount. The company operates legally, as evidenced by state registration, confirmed by an entry in the state register (No. 2110724000473). You can learn about all the possibilities and aspects of cooperation with the company by contacting consultants. Free technical support is available around the clock.
To start working with the company, as follows from the feedback on the work "Money at home", you just need to fill out an application on the site. Please note that it is necessary to transfer your data through the official virtual page, and not through intermediaries. Remember that intermediaries can be fraudulent offices that use someone else's passport data for illegal purposes! When it comes to money, as a rule, full passport data is requested, they can also specify the number of the plastic card. The transfer of this information to dishonest people can lead to unpredictable consequences.
Internet to help everyone
Despite the possible risks, there are quite a lot of positive customer reviews about “Home Money”. This is because people have recently learned to distinguish between fraudsters and honest (or relatively honest) businesses. They do not share private information with dubious individuals and organizations.
After applying, you must wait for the courier to visit. An employee of the company will bring the requested amount and transfer it directly to the client. Thus, you can get from five to forty thousand rubles in cash. This opportunity is appreciated by customers, hence the many positive reviews. The company "Money at home" monitors its reputation.
Reverse side of the coin
It is no secret that the more positive reviews about the organization’s work, especially when it comes to money, and even on credit, the more doubtful it looks. Imagine yourself at the place of the client of the company. Suppose the conditions suit you, the timing too. Money was received, used, then returned. Do you have a thought about writing a positive review? Clients of Money at Home write such responses en masse, but usually a person, even satisfied with the service, simply forgets about it and rarely tells anyone about his experience. An exception is a reward, an encouragement for a similar story.
And here doubts are already creeping in. Are all reviews honest? Are they all written by real users of financial services? Customer reviews of Money at Home in Moscow, for example, are full of assurances of extremely favorable conditions. At the same time, the company offers loans at rather high interest rates. Of course, getting help from it is easier than from a solid bank, but you will have to pay for it at much higher rates than in cooperation with a regular banking organization. Reviews of employees of Money at Home add fuel to the fire, as it is they that contain a lot of information about the “inner kitchen”.
Is everything so simple
Negative feedback on the organization’s work is also not an indicator of the company's absolute unreliability. In the market of services in the field of providing the population with small amounts of money, the competition is now just frantic. This means that every company more or less striving for success makes every effort to denigrate a competitor. Likewise, it gets from the rivals and the company "Money for the house." Reviews about her work and about the opportunity to work in this company, if they are negative, may be the authorship of just such ill-wishers. Unfortunately, modern technologies do not yet guarantee the accuracy and relevance, 100% accuracy of all data posted on the Internet.
And what to do, whom to believe? Suppose a user is studying reviews of “Money for the house” in Tomsk. Suppose all the data indicate that the company is absolutely honest and works flawlessly. Pay attention to those who wrote these responses. If users have a good reputation, opinions are expressed about other enterprises and services, it is possible to believe the information provided. But if the account is empty, it does not contain any special information, there is only one review under its authorship, then the reliability justifiably raises doubts. In a word, a critical approach to the proposed information is the key to success.
For the benefit of life
Who can use Money for Home? Reviews in Samara, the capital, St. Petersburg and other cities where the company is represented, note that the public is wide, which is an undoubted advantage of the company. Any adult citizen of our country can apply. Funds are issued for a period of a week to 52 weeks. The whole process of registration takes place entirely through the virtual web, which means that you do not need to go anywhere. I must say, for some reason, a special emphasis on this advantage is made in the reviews about “Money for the house” in Barnaul.
When you receive money at your disposal, do not forget about the interest that you will have to pay for using it. The minimum interest rate per day is 0.56%. You can return the received if you invite the courier of the organization to yourself and transfer to him all the cash. An alternative is to visit the company’s office. You can pay with the operator. For many cities, it is possible to pay for company services through special payment terminals. Importantly, they do not charge a fee for transferring money. This is confirmed by reviews of "Money for the house" in Krasnoyarsk. Finally, you can return the received for temporary use by sending a payment from a credit card.
Undeniably convenient
Summing up the above, we can conclude that you can get what you want and pay off your debts without leaving the walls of your home apartment. This option is optimal for freelancers, individual entrepreneurs who earn money through the Internet and do not have an official income. As you know, classic banking institutions are not eager to work with this group of customers, considering them potentially unstable. But as follows from the reviews of “Money back home”, this company offers small amounts of debt and is not afraid of risk.
If we consider the main positive points, then it is important to note the speed of service. As a rule, money arrives on the day of placing the application or the next. Timing is never delayed for more than two days. Cash arrives home to the customer, and it is completely safe. You don’t have to think about the possible dark alleys found on the way from the office home. And if suddenly some kind of trouble happened with the Internet (for example, there is no money to pay for the next month of subscription), you can just call the company’s office and dictate your data, and a courier with a saving amount will arrive soon. As follows from the reviews of “Money for Home”, the company has representative offices in many regions: from the capital to regions of Siberia. Few modern organizations offering similar services boast such an impressive reach, and this also creates trust in the organization.
Money to paycheck
When you receive money from a credit company at your disposal, be sure to think about how to make money. Reviews of “Money at home”, of course, contain stories about late payments and the relatively good-natured attitude of the company towards such people, but still it will bring problems, and especially financial ones. However, there is an opportunity to earn extra money through the same company, for this you will have to get an agent to find clients. As numerous reviews of this activity show, the work is rather complicated and ungrateful, because at the first dissatisfaction, each new client first goes to swear with an intermediary, and only then with the company. But if you are prepared for this and have high stress resistance, as well as approaching work correctly, you can earn some good money. As a result, it will be possible to settle accounts with the company, and if everything goes well, then earn money for bread, possibly even with butter. And even with caviar, if you work, as they say, in sweat.
Nevertheless, the majority of individuals interacting with the company are customers who need a small amount before wages. For such people, a high percentage on the loan is not very important, because the money takes several days or weeks, or there is simply no choice. From the reviews of “Money for the house” it follows that this company can receive funds without guarantors and without collateral. Many also note that it is convenient to conclude an agreement on the provision of services at home, that is, there is no need to go anywhere or go specifically. In addition, reviews indicate that the company does not practice a system of hidden commissions, but immediately tells in detail how, in what volume it will be necessary to pay for the money received.
What are the clients talking about?
It is amazing how similar stories can be found on the World Wide Web, trying to find data on how honestly the Money to Home company works. People mention all the problems that provoked a difficult financial condition, then describe how convenient the services provided through the Internet focus on a small amount accumulated in the form of interest. Summing up, they are sure to tell how the money received from the company helped save the family or fulfill the dream. Such monotony, admittedly, gives rise to distrust.
On the other hand, the company is large, it is represented in many regions, and its expansion would not have been possible with unsuccessful, unprofitable activities. So, there is a demand for services. Even with a large percentage of dissatisfied, it would be impossible to imagine such an impressive progress, especially characteristic for the last few years of the organization. That is, the situation as a whole inspires confidence. So, suppose that the main part of the reviews on the World Wide Web is really written by real users of the system. What are they talking about?
Information from users: experience of cooperation
In their feedback on the work of the company, especially often established MFI clients positively note the speed of receiving money. On the same day or the next home, a courier arrives with the requested resources. It is really fast and convenient, reliable and safe. And when the payment deadline is approaching, which allows you to pay off the debt, this is unobtrusive (however, some customers are ready to challenge this epithet) remind you of a phone call. However, if you overdue payments, calls may fall in an avalanche. At the same time, the company helps out in a difficult situation (people do not apply for such loans without special need), and many are ready to forgive such help for the awkward, uncomfortable situations that arise when they regularly interact with the organization.
Some customers note that they have used the services of the company more than once. The fact is that working with the described company is pretty reliable. Of course, this is not as convenient as a credit card, when money is always at hand. However, not everyone can get a credit card, much depends on the credit history. But MFIs are ready to work even with fined citizens. True, occasionally the situation is a little different. There are such reviews, from which it follows that the company does not immediately approve the application. It can be assumed that the data for the potential customer is being checked. Although the service makes promises of almost instant service, in practice it is not realized in 100% of cases. Operators can drag out time and have to wait for money. But there are other situations: I called in the afternoon, and in the evening they brought money. If the client is already in the company database and has a good reputation, then there is no doubt: the second time he will receive the money quickly, without burden and hassle. In a word, reputation is more expensive than gold.
What else are they talking about?
Of course, there are a lot of positive praises of a credit company online. But a truly full-fledged idea of the organization’s work can be obtained if you study a variety of opinions without avoiding negative ones. In each case, a person hopes that it will not happen in his situation, and yet it is necessary to be aware of the existing risks.
Many users note the high cost of services. The minimum percentage has already been indicated above, but only clients receiving a loan on specific conditions can count on this. In most cases, people need either other amounts or different terms, and then the credit company establishes less favorable conditions. A high percentage means a considerable overpayment even for a short time period. And if a large percentage drops by a large amount and for some reason the payment is past due, then at the time to shout: “Guard!” Have to spend a lot to pay off debts.
Other users note that it’s quite difficult to get decent amounts of money. If you need more than 25 thousand rubles, especially the first time, then it’s better not to apply for “Money for Home”, because they still won’t give so much. The company trusts clients with a good reputation more, but after all, such money is also needed by those who first communicate with the MFI service.
To summarize
So, is it worth believing the firm "Money for the house"? The company has a good regional network, has created a convenient service system, thanks to which it attracts a wide audience. At the same time, they have certain complaints both in terms of capabilities and service. When choosing an MFI for yourself, you first need to carefully analyze the situation and figure out whether it will be possible to pay off the debt on time. Otherwise, there is a chance to get into a debt hole. Be careful!