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Articles on loans
About the loan
"Mir Zaimov" is a product showcase for the Dobrozaim microfinance organization. Operating since 2011, the company has built a strong reputation among borrowers. Today, clients can obtain up to 100,000 RUB for a term of up to 1 year on any bank's debit card.
Terms
The Mir Zaimov MFO offers borrowers loans ranging from 1,000 to 100,000 RUB for terms from 4 days to 1 year. The interest rate does not exceed the statutory 0.8% per day or 292% per annum.
Early repayment of the microloan is available. To close the loan ahead of schedule, you must pay the principal and the interest accrued for the actual time the money was used. You can clarify the amount required for early repayment by calling the hotline at 8 (800) 700-97-68.
Additionally, loan extension (prolongation) is available. To extend the microloan, simply pay the interest accrued for the actual period of use. You can check the amount required for the extension in your personal account or by calling the hotline at 8 (800) 700-97-68.
In the event of untimely repayment, the Mir Zaimov microfinance organization charges a penalty of 0.054% for each day of delay, up to a maximum of 20% per annum. For example, if a borrower received 10,000 RUB but failed to repay on time, the penalty will be 5.48 RUB for each day of default plus accrued interest.
Borrowers who meet the following requirements can obtain a loan from the Mir Zaimov microfinance company:
- are citizens of the Russian Federation;
- have permanent registration in a region of Russia;
- aged 19 to 90 years old.
To apply for a microloan, you only need a Russian Federation passport. In addition, you will need a personalized debit card from any bank 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;
- at Elecsnet terminals — you will need to select the microfinance organization in the menu, specify the contract number, and the payment amount;
- at Russian Post offices — you will need to state the agreement number and the payment amount;
- at the microfinance organization's offices — you will also need to state the agreement number and the payment amount.
Bank: Donskoye Branch of Sberbank of Russia PJSC
Recipient: Summit IFC LLC
Tax ID (INN): 7728771940
BIC: 044525225
KPP (TAX REGISTRATION REASON CODE): 771401001
Current account: 40702810838110015170
Correspondent account: 30101810400000000225
OGRN: 1117746346244
OKPO: 771401001
How to apply
You can apply for a microloan online on the official website of the microfinance organization. To do this, you need to:
- click the "Get up to 100,000 RUB" button on the home page;
- specify the desired loan amount and term;
- click the "Get loan to card" or "Quick application via Gosuslugi" button;
- if you clicked "Get loan to card", enter your mobile phone number;
- click the "Get code" button;
- enter the last four digits of the incoming phone number;
- upload a photo of your passport or provide your last name, first name, middle name, date of birth, gender, email address, passport details, registration address, and actual residential address;
- click the “Next” button;
- provide information about your employment and monthly income;
- click the “Next” button;
- provide an additional contact phone number;
- click the “Save” and “Next” buttons;
- provide information on litigation, bankruptcy, existing credit products at Sberbank, education, and marital status;
- check the box and click the "Next" button;
- enter the confirmation code from the SMS message.
After filling out the application, you will need to specify the loan disbursement method and undergo identity verification.
Rates
to a bank account using bank details;
in cash at microfinance organization branches
via bank account details;
at QIWI and Elecsnet terminals;
at Russian Post offices;
at the microfinance organization's offices
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