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Articles on loans
About the loan
DamDengi MFI specializes in issuing short-term and long-term microloans. The microfinance company has been operating on the market since 2013. Over the years, the company has built a solid reputation among clients. Borrowers can get up to 10,000 RUB for a term of up to 30 days and up to 50,000 RUB for a term of up to 180 days.
Terms
DamDengi MFI does not offer special terms for new borrowers. Both new and regular clients can get a short-term loan ranging from 1,000 to 10,000 RUB for a term of up to 30 days, or a long-term loan ranging from 1,000 to 50,000 RUB for a term of 61 to 180 days. In any case, the microfinance organization's interest rate does not exceed the legally established 0.8% per day or 292% per annum.
DamDengi MFI allows borrowers to repay their microloans early. To do this, you need to pay the principal amount and the interest accrued for the actual period of using the funds.
Microloan extension is also available at the microfinance organization. To extend the loan, you need to pay the interest accrued for the actual days the money was used. You can check the amount required for the microloan extension in your personal account on the MFI website.
In case of untimely repayment of a microloan, DamDengi MFI charges a penalty of 20% per annum for each day of delay. For example, if a borrower took out 7,000 RUB at interest and failed to make the payment on time, the microfinance company will charge a penalty of 3.84 RUB for each day of non-payment plus accrued interest.
Borrowers who meet the following requirements can apply for a microloan at DamDengi MFI:
- are citizens of the Russian Federation;
- aged 18 and older;
- are fully legally capable at the time of applying for the loan.
To get a loan from the microfinance organization, a Russian citizen's passport and a SNILS or INN are sufficient. In addition, you will 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 using bank details;
- in cash at the microfinance organization's branches.
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;
- via bank account details: in your internet bank or mobile app, you will need to enter the MFI's details, the contract number, and the payment amount;
- in cash at the microfinance organization's branches — you will need to provide the contract number.
Bank: JSC "Databank"
Recipient: LLC MCC "Vera"
Tax status: 1838011250
BIC: 049401871
KPP: 183801001
Current account: 40701810808000000001
Correspondent account: 30101810900000000871
OGRN: 1121838001240
How to apply
You can apply for a microloan in two ways: at a DamDengi MFI branch or on the microfinance organization's website. To apply online, you need to:
- enter your name, desired loan amount, and mobile phone number on the home page of the website;
- check the box and click the "Get money" button;
- provide your last name, first name, middle name, gender, email address, and mobile phone number;
- check the box and click the "Continue" button;
- enter the confirmation code from the SMS message;
- click the "Confirm" button;
- provide passport details, SNILS, and INN;
- click the "Continue" button;
- provide registration address, actual residential address, employment details, marital status, and education;
- click the "Register" button;
- log in to your personal account;
- go to the "My Applications" section and click the "Create Loan Application" button;
- specify the desired loan amount and term;
- click the "Submit Application" button.
To apply for a microloan, you must first complete the verification and identification process.
Rates
to a bank account using bank details;
in cash at microfinance organization branches
via bank account details;
in cash at microfinance organization branches
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