— The question is how to use microloans. Of course, you have to think why do people use umami (it)? ten times before taking them. But if you suddenly have a toothache or ne to fix your car on the road, then MFOs allow you to get quick money — here and now. That’s what makes them valuable. The main thing is not to build a debt pyramid — you can’t pay off some loans at the expense of others. When a person gets into these loans because of constant lack of money, this is not a solution. For our part, we do everything to ensure that the rights of MFO clients are protect. And without the prefix micro.
— What does a person who applies to an MFO ne to know?
— For example, there is a limit on the amount
of debt. Even if a person for some reason is late in repaying a microloan and fines are charg, the MFO can demand from him no more than the original loan multipli by 2.5. That is, there was a loan for 10 thousand rubles, and the maximum that can be collect from a person is 25 thousand rubles (10 + 15). The loan can never grow into such an amount that you will have to sell the apartment. Sometimes it happens that they demand more for repayment. We closely monitor this and do not allow such abuses.
Moreover, from July 1 of this year, this ceiling
will be further ruc, and in my example, if the loan had been issu after July 1, the total amount of the debt would not have exce 23 thousand rubles. Including fines for late payment and any payments in general. But you should remember that the law does not have retroactive force, and you will not be able to recalculate interest on old loans, no matter what savvy studying alongside learning people on the Internet promise you.
And it is also very important to understand that if a person spends more than half of his official income on debt payments, then he should not take out a new loan. We have develop special regulations so that it is not agb directory profitable for banks and microfinance organizations to issue money to such over-indebt borrowers.