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Articles on loans
About the loan
"Zaem.ru" is an already well-established microfinance organization. It has been operating in Russia since 2012. Here, borrowers can apply for both short-term and long-term loans of up to 100,000 RUB for a term of up to 1 year. A feature of this MFI is that new and regular clients can take advantage of a promotion where the first and every sixth loan are free.
Terms
In this MFI, as everywhere else, early loan repayment is possible. To close a microloan ahead of schedule, you need to pay the principal amount of the debt and the interest accrued for the actual days of using the money.
Microloan extension is also available at the microcredit company Zaim.ru. The borrower can extend the agreement for a period of up to 30 days. To prolong the microloan, they simply need to pay the interest accrued for the actual days the money was used.
For violating the terms of the agreement, the lender charges a penalty. Its amount is 20% per annum. Thus, if a borrower took out a microloan in the amount of 30,000 RUB and failed to repay the debt on time, the microfinance organization will charge a fine of 16.39 RUB for each day of delay, plus interest for the actual days of using the borrowed funds.
Borrowers who meet the following requirements can apply for a microloan at this microfinance organization:
- have Russian citizenship;
- have permanent registration and a place of residence in Russia;
- are between 18 and 70 years old;
- have a steady income that does not consist of social benefits, allowances, and pensions.
Usually, only a Russian citizen's passport is required to submit an application. However, if necessary, the lender may also request additional documents, such as certificates confirming income and employment.
At the microfinance organization Zaim.ru, you can get a microloan in two ways: by transfer to a MIR, Visa, or MasterCard bank card, or in cash at the cash desks of the microcredit company.
You can repay your debt to the microfinance organization using the following methods:
- 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: BRANCH NO. 8614 OF SBERBANK OF RUSSIA
Recipient: LLC MFC ExpressDengi
Tax Status: 1215150103
BIC: 048860630
KPP: 121501001
Current Account: 40701810937000000009
Correspondent Account: 30101810300000000630
OGRN: 1101215004593
OKPO: 64998970
How to apply
You can apply for a microloan only online, on the official website of the microfinance organization. To do this, you need to:
- on the main page of the microfinance organization, indicate the desired loan amount and click the "Get loan" button;
- enter your mobile phone number and click the "Send SMS code" button;
- enter the confirmation code from the SMS message and click the "Log in" button;
- indicate the desired loan amount and term, and click the "Get money" button.
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