Негативные стороны микрозаймов


26 апреля 2016 -
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Основной минус микрокредитов - большая переплата по процентной ставке. Она может составлять до 600-800% годовых! И хотя такие виды займов редко выдаются на 12 месяцев и их суммы не столь значительны, излишние траты заемщика очевидны. Не стоит также путать официальные микрозаймы и выдачу моментальных денег. Часто их организацией занимаются мошенники, которые требуют со своих клиентов залог движимого и недвижимого имущества и паспорт на несколько дней. Если заемщик и получит в итоге договорную сумму денег на руки, потеряет он затем уже гораздо больше.


Даже в небольших микрофинансовых учреждениях таких запросов не имеется. Клиенту необходимо предоставить лишь свой паспорт, а не отдать его, а микрокредит он получает наличными или переводом на свою карту всего через 5-10 минут. Микрозайм может составить и 3, и 30 тыс. рублей, а срок возврата может быть меньше недели. Да и чем короче этот срок, тем меньше заемщик заплатит процентов по микрозайму. Как правило, данная процентная ставка составляет не более 2% в сутки. Если же сделать перерасчет на целый год, то переплата как раз и составит около 700%.


В этом и состоит главный недостаток современных микрокредитов. К тому же, если вдруг у должника возникнут финансовые проблемы, он попросту попадет в длительную долговую яму и наживет себе дополнительных проблем. При невозврате микрозайма МФО имеет право подать на нерадивого заемщика в суд для описания имеющегося имущества в пользу долга. Домой к должнику обязательно придут судебные приставы и на законных основаниях это осуществят.


Но к микрофинансовым учреждениям продолжают обращаться большинство российских граждан. Ведь это крайне удобный способ поправить свое денежное положение до зарплаты или найти средства на необходимую покупку. Популярными клиентами МФО являются заемщики с испорченным кредитным досье. 

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Комментарии (6)
okay1 # 25 июня 2016 в 07:21 0
Вам нужен бизнес-кредит? Наше название компании Zion Financial Services Limited, мы выдаем кредиты заинтересованным клиенту, которые ищут кредитов для улучшения своего бизнеса, мы можем помочь вам с кредита до € 15 миллионов евро. мы предлагаем кредиты на уровне 3% процентной ставки. Мы можем помочь вам, предоставляя вам деньги, чтобы начать свой бизнес или расширить существующий бизнес, мы также предлагаем персональные кредиты, авто кредиты, бизнес-кредиты, ипотечные кредиты, сельскохозяйственные кредиты, или кредит по любой причине и т.д. Если вам нужен кредит сегодня с нами. Мы можем кредитовать до 15 миллионов евро. Пишите нам обратиться: zionloanfirm.ltd@gmail.com
Richardson McAnthony # 24 мая 2017 в 13:25 0
We are a Finance Industry Company professionals with over 15 Years Experience and a focus on providing Bank Guarantee and Standby Letter of Credit from some of the World Top 25 Prime Banks primarily from Barclays, Deutsche Bank, HSBC,Credit Suisse e.t.c.

FEATURES:
Amounts from $1 million to 5 Billion+
Euro’s or US Dollars
Great Attorney Trust Account Protection
Delivered via MT760, MT799 and MT103 Swift with Full Bank Responsibility
Brokers Always Protected

Purchase Instrument of BG/SBLC : 32%+2% Min Face Value cut = EUR/USD 1M-5B
Lease Instrument of BG/SBLC : 4%+2% Min Face Value cut = EUR/USD 1M-5B

Interested Agents/Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.


We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.c

DESCRIPTION OF INSTRUMENTS

1. Instrument: Funds backed Bank Guarantee(BG) ICC-600
2. Currency : USD/EURO
3. Age of Issue: Fresh Cut
4. Term: One year and One day
5. Contract Amount: United State Dollars/Euros (Buyers Face Value)
6. Price : Buy:32%+1, Lease: 4%+2
7. Subsequent tranches: To be mutually agreed between both parties
8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c
9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760
10. Payment Term: MT799 & Settlement via MT103
11. Hard Copy: By Bank Bonded Courier


Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.



Name:Richardson McAnthony
Contact Mail : intertekfinance@gmail.com
Bernard # 6 сентября 2017 в 22:52 0
Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.

Email:~ inquiry.firstchoice@gmail.com
Skype ID:contact.firstchoice

With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project.

We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

All relevant business information will be provided upon request.
BROKERS ARE WELCOME & 100% PROTECTED!!!

If Interested kindly contact me via

Email:~ inquiry.firstchoice@gmail.com
Skype ID:contact.firstchoice

serious enquiry

BG & SBLC For Lease and Purchase 100% protected.
hugh # 6 ноября 2017 в 10:58 0
Finding a genuine provider of financial instrument is very challenging but
we are certified Financial Instrument providers in Ireland. Presently, we
only focus on BG/SBLC for Lease and Sale transactions. However, our Lease
BG/SBLC is 4+2% and Sale at 32+2%.

Should you find this interesting and acceptable? Kindly, contact us and we
shall review and respond with draft Contract/MOU within 48hrs maximum.

Please request for full procedure details if interested.

For further inquiry contact:
Name : Hugh mckeon
E-mail : mchugh017@gmail.com
Skype id : mchugh017@gmail.com
Harrison Saban # 27 ноября 2017 в 11:03 0
Are you looking for financing source such as Bank Guarantee (BG) and Standby Letter Of Credit (SBLC)?
I am a direct mandate to a Financial Institution who is also known as private lender specialized in the Lease of Bank / Financial Instruments in the form of Bank Guarantees (BG), Standby Letter of Credit (SBLC), Documentary Letter of Credit (DLC), Letter of Credit (LC), Performance Bonds (PB);
Whether you are new starting up, medium or large establishment that needs a financial solution to fund/get your project started or an established business looking for extra CAPITAL to expand your operations, our company renders all the credible and trusted bank guarantee providers who are willing to fund and give financing solutions that suits your specific business needs.

We help/assist you secure SBLC and bank guarantee (BG) for your trade and investment from world ranked Banks such as; HSBC, Barclays Deutsche Bank Frankfurt, and Any A rated Bank in Europe e.t.c

DESCRIPTION OF INSTRUMENT:

(1) Instrument: Bank Guarantee {BG} /StandBy Letter of Credit.{SBLC} (Appendix A).

(2) Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 10B{Maximum}.

(3) Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.

(4) Age: One Year and One Day.

(5) Leasing Price: 5% of Face Value plus 2% commission.

(6) Delivery: bank to bank SWIFT MT-799 and/or MT-760.

(7) Payment: MT103 (TT/WT).

(8) Hard Copy: Bonded Courier Service.

RWA ready to close leasing with any interested client in few banking days
We will be glad to share our working procedures with you upon request to help us proceed towards closing deals effectively.

For further inquiry contact
Email : Saban.financialbg@gmail.com
Skype : Saban.financialbg
Keat Cheng # 29 марта 2018 в 00:29 0
We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4+ 1%
6. Sale Price: 32+2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days.
If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
Name : Keat Cheng
E-mail : keatcheng2@gmail.com
Skype id :keatcheng2@gmail.com
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