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Articles on loans
About the loan
The microfinance organization "ZheldorZaim" specializes in issuing microloans to individuals, sole proprietors, and even companies. For instance, you can get up to 50,000 RUB for a term of up to 5 months at a low interest rate.
Terms
At the MFO "ZheldorZaim," borrowers can receive a microloan in the amount of 10,000 to 50,000 RUB for a term of 2 to 5 months. The maximum interest rate here does not exceed the legally permitted 0.8% per day or 292% per annum.
Early repayment of loans is possible at the microfinance organization. To repay a microloan before the date established by the contract, you need to pay the principal amount of the debt and interest calculated for the actual period of using the money. To clarify the funds required for early repayment, you can use your personal account.
Microloan extensions are not available at this microfinance organization.
In case of a late microloan payment, ZhelDorZaim charges a penalty of 20% per annum on the outstanding balance for each day of delay. For example, if a borrower received 7,000 RUB and did not pay it on time, the penalty will be 3.84 RUB for each day of non-payment, plus accrued interest.
Borrowers who meet the following requirements can obtain a loan from the ZhelDorZaim microfinance organization:
- are citizens of the Russian Federation;
- have permanent registration within the territory of Russia;
- aged between 18 and 65;
- are fully legally capable at the time of applying for the loan.
To apply for a microloan, you will need a Russian Federation citizen passport and a document confirming your place of employment. You will also need a debit or credit card from any bank with a positive balance and a device with Internet access.
You can receive a microloan using one of the following methods:
- to a MIR, Visa, or MasterCard bank card;
- to a bank account via bank details.
You can repay the microloan using one of the methods listed below:
- via a Mir, Visa, or Mastercard bank card — enter your card details in your personal account, and the required amount will be debited on the payment date;
- at VTB ATMs — you will need to select the MFO in the menu, enter the contract number, and the payment amount.
Bank: Branch No. 7701 of VTB PJSC
Recipient: ZhelDorZaim MKK LLC
Tax ID (INN): 7708247544
BIK: 044525716
KPP: 770101001
Checking account: 40701810800000008478
Correspondent account: 30101810100000000716
OGRN: 1157746117506
OKPO: 40135112
How to apply
You can apply for a microloan online on the official website of the microfinance organization. To do this, you need to:
- indicate the desired amount and term on the website's main page;
- click the "Continue" button;
- indicate your surname, first name, and patronymic, mobile phone number, and email address;
- check the box and click the "Continue" button;
- enter a password for the account and confirm it;
- provide passport details, employment information, and details of previously obtained loans;
- click the “Submit application” button.
Rates
to a bank account by requisites
at VTB ATMs
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