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If to speak plain language, then a cooperative can be called an association of individuals and / or legal entities for the purpose of funding each other within the same organization.

These financial institutions are supervised by the Central Bank of the Russian Federation. As for the legislative framework, until 2009, regulation was carried out according to No. 117-FZ. However, since July it has been replaced by No. 190-FZ “On Credit Cooperation”.

Detailed information about the names of existing credit consumer cooperatives of citizens can be found in the unified state register on the website of the Central Bank of the Russian Federation in the tab "Participants of financial markets".

What does he do?

primary goal consumer credit cooperative consists in financial mutual assistance between its members. Some receive money to solve their problems / tasks / plans, while others give it for temporary use (loan) in order to receive benefits in the form of%. For investors, this is a great opportunity to earn good interest for providing funds. After all, for the most part, the money of the cooperative goes to provide microloans to its members. The interest of shareholders is several times higher than bank rates on deposits. For example, CPC "Family Capital" offers shareholders from 24% per annum, in the CPC "DanaYa" you can get up to 23% of the profit. That is, the main activities of credit cooperatives are:

• Acceptance of savings
• Issuance of microloans

The capital of almost every credit cooperation consists of the personal funds of shareholders, as well as attracted investments and money received from direct activities.

Member payments

Each cooperative has its own fees, which vary depending on the type and name of the organization. Among the main ones are:

1. Opening. It is not available in all organizations, but it has a place to be. The entrance fee is paid once upon entry.
2. Membership. Paid by members of the organization monthly, annually or quarterly.
3. share. Money that shareholders give for temporary use to a credit cooperative. Subsequently, interest will be charged on this money. These funds are used to provide loans to those participants who need financial assistance.

Based on these contributions, funds are created:

1. share. This money goes to directly finance the activities of the organization.
2. Spare. It is needed for unforeseen situations requiring additional costs in case they occur
3. Mutual Aid Fund. The money from this fund is used to pay off microloans.

Most of the funds of the cooperation goes to the provision of loans to its members. In such cases, a microloan agreement is drawn up between the lender (cooperation) and the borrower (its member). As additional measures precautions, it can be backed up by a surety, a pledge, etc. In most cases, cooperatives provide loans secured by property, maternity capital or a guarantee. However, there are trusts that are issued for small amounts to those shareholders who have proven themselves well in this organization.

All income received at the end of the quarter / year is distributed among the members of the credit cooperative strictly in proportion to the size of their share contributions. The higher the share contribution, the greater the income of the shareholder. Dividends are paid by joining share contributions, or by issuing cash Money. Such conventions are spelled out in the charter or are decided at a special membership meeting.

I would also like to note that credit cooperatives cannot issue loans to persons who are not its members. Also, they cannot act as guarantors or guarantors for loans of their participants / other organizations.

There are certain conditions for maximum loan amounts. For example, credit cooperation does not have the authority to issue a loan to one member in the amount of more than 10% of those already issued. For new organizations operating for less than 2 years, the threshold has been increased to 20% of the amount. For example, if the total amount of funds issued is 100,000 rubles, then he is not entitled to issue a loan in the amount of more than 10,000 rubles, which are 10% of the total debt.

Taking off the masks

You can't do without a fly in the ointment. Often, many financial pyramids pretend to be credit cooperatives, collect fees and, as they say, “Adios”. How to recognize scammers here? There are several secrets:

• Credit cooperation a priori cannot be LLC, CJSC, OJSC, because it is a non-profit organization. Therefore, carefully study all the documents and the charter before joining.
• Inflated interest rates. For example, 20-30% per month - such a figure should alert anyone.
• Pronounced marketing activity.

There are other reasons why some organizations can be classified as pyramids, for example, if the credit cooperative is not included in any association. Cooperations that are less than 2 years old deserve special attention. Requirements for them are much more loyal than for older brothers.

Similarities and differences between MFIs and cooperatives

The most important and perhaps the only similarity between these organizations is the contingent of borrowers (the middle class). Both organizations accept funds at %. However, the minimum amounts, as well as interest, are different everywhere. What is there, what is here, the funds of depositors/shareholders are not subject to mandatory DIA insurance and do not guarantee 100% payout in case of bankruptcy.
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There are really a lot of differences between these financial institutions. Firstly, a microfinance organization is a private company whose main activity is to obtain maximum profit in the interests of its owner or group of persons. A cooperative is a non-profit organization, which means that deriving benefit or profit is not a priority. A cooperative is an association of people organized by attracting funds from shareholders and their further placement in the form of loans provided. Secondly, the differences lie in the interest rates on loans. In MFIs, it is much higher. Thirdly, it is quite difficult to get a loan without collateral or guarantors in a cooperative. In MFIs, loans are issued according to one or two documents, and there is no need to make any contributions, etc.

Examples

Credit cooperatives can be divided not only on a regional basis, but also on the types of loans. For example, there are mortgage cooperatives "Region-Novosel", "Nirlan-Novosel", "Petrograd", etc. In such CCPs, loans are issued not for personal needs / purchases, but for the purchase of housing. Special cooperatives for financing entrepreneurs "Aval". Here, a novice entrepreneur can get a loan to launch a startup or develop a business. There are special agricultural credit cooperatives, such as Glazovsky Beekeeping, Selsky Loan, etc. Such CCPs issue loans to the villagers, for example, to buy equipment, support the farm, and so on. As for ordinary credit cooperatives, consumer microloans are issued here for personal purposes.

Credit consumer cooperatives are gaining more and more popularity among the population as a profitable alternative to bank deposits.

To date, the register of the Central Bank includes more than two thousand PDAs located throughout the territory of our country.

Moscow is no exception, and therefore in this short article we will talk about the five most popular, in our opinion, capital credit cooperatives.

Relatively young, but vigorously developing cooperative. The management, with the active participation of shareholders, is constantly working to introduce modern IT solutions into the business structure.

This year, the privileges program and the system personal account, with the help of which members of the cooperative can monitor and manage the state of their personal account online.

Savings terms:

• interest rate - from 13.9%

CPC "Dobrynya" is a member of SRO "Soyuzmicrofinance".

The cooperative, founded in 2012, has now become a full-fledged participant in the cooperation market, and more than 2,000 people have become its shareholders during this time.

Savings terms:

• interest rate - up to 13.95%
• deposit amount - from 10 thousand rubles
• early withdrawal - no
• additional insurance - JSC "Insurance Company Opora"

KPK is a member of SRO NP "People's cash desks" - Soyuzsberzaym.

A cooperative of the classical, conservative type. The focus in work, primarily on the safety of shareholders' savings, makes them choose the most reliable options for using assets, which are often not the most profitable.

Savings terms:

• interest rate - 13.95%
• deposit amount - from 10 thousand rubles
• deposit term – from 1 month
• early withdrawal - at the deposit rate
• additional insurance - NCO "MOVS"

The relatively low maximum interest rate on deposits is a direct consequence of main goal credit cooperative - reliability above all.

CPC "Rodnik" is a member of SRO "Soyuzmicrofinance".

Works since 2014. Until recently, it was called the CPC "Doverie", but at the next meeting, in order to improve the brand's image, the shareholders decided to change the name of the cooperative.

Savings terms:

• interest rate - from 13.9%
• deposit amount - from 10 thousand rubles
• deposit term – from 1 month
• early withdrawal - at a rate of 5.5%
• additional insurance - NCO "MOVS"

It is one of the main players in the consumer lending market in Moscow and the leader in the rating of the portal "We are the credit community" in terms of the number of customer reviews and their ratings.

CPC "Dobrynya" is a member of SRO "Cooperative Finance".

One of the oldest credit cooperatives in Moscow has been operating since 2011. Shareholders are offered a fairly wide range of deposit programs with various conditions placement of funds.

Savings terms:

• interest rate - up to 13.9%
• deposit amount - from 10 thousand rubles
• deposit term – from 3 months
• early withdrawal - at a rate of 1% to 7%
• additional insurance - no

The number of options and conditions for deposits of this CPC is probably the most impressive among all cooperatives in Moscow.

IKPC is a member of SRO "Cooperative Finance".

Please note that all CPCs presented in the article are active organizations entered in the official register of credit consumer cooperatives of the Central Bank.

You can find out more information about the CCP of Moscow in our rating of cooperatives, compiled, among other things, based on the reviews of the shareholders themselves.

Credit consumer cooperative(CPC) - a voluntary association of individuals or legal entities on the basis of membership and on a territorial, professional or other basis in order to meet the financial needs of members of a credit cooperative - shareholders. In other words, these persons are united in a credit cooperative on one or another basis for mutual financial assistance.

A credit cooperative is a non-profit organization. Its activities are regulated federal law dated July 18, 2009 No. 190-FZ "On Credit Cooperation". A cooperative can be created by at least 15 individuals or at least five legal entities. If it is created by both those and other persons, then there should be at least seven of them in total. The supreme governing body of the cooperative is the meeting of shareholders.

The CCP operates like a mutual benefit fund. It attracts funds from shareholders and places them by providing loans to members of a credit cooperative. The profit received from the borrower is used to pay the contributions of the shareholders. The CCC is not entitled to provide loans to persons who are not its participants, as well as to act as a guarantor under a loan agreement.

A credit cooperative is obliged to comply with certain financial standards. For example, the maximum amount of a loan granted to one member of the CCP should be no more than 10% of the total outstanding loans issued by the cooperative at the time of the decision to grant a loan (no more than 20% for a credit cooperative that has been operating for less than two years). Or, the total amount of funds directed by the CPC during the reporting period for purposes not related to the issuance of loans to members of the cooperative cannot exceed 50% of the total amount of funds raised from CPC members during the corresponding reporting period.

Rates on deposits and, accordingly, on loans in CCCs are higher than in banks. For example, personal savings are attracted on average at rates 5-15% higher than bank ones.

From August 4, 2011, cooperatives are required to be members of self-regulatory organizations (SROs). On the basis of SROs, compensation funds are created, the funds from which, in the event of a cooperative's bankruptcy, go to cover the costs of its shareholders. The fund is formed at the expense of payments (contributions) of members of the self-regulatory organization, part of the income from the placement of the funds of the compensation fund and at the expense of other sources not prohibited by law.

At the beginning of 2012 in Russia, SRO members included 1,400 credit cooperatives with 31.5 billion rubles of total assets, in which 1 million Russians were shareholders. About 3% of CPCs have more than 5,000 shareholders. At the same time, the average amount of assets per shareholder is about 30,000 rubles.

What is a consumer credit cooperative and a mutual credit society? How to open a cooperative? Who will help a private lender to register a credit union?

The modern financial market is diverse and democratic. For a thinking and entrepreneurial person, he provides a lot of options for implementing potentially profitable and useful ideas.

In addition to banks, investment funds, pawnshops and MFIs, non-profit organizations also have the right to accept finances from the public and dispose of them at their own discretion - credit consumer cooperatives (CPC).

About what these structures are and for what purposes they are created, I, Denis Kuderin, will tell in detail in a new publication.

If you need help with liquidation consumer cooperative, use the tips from the final section of the article.

So, let's begin!

1. What is a credit consumer cooperative and how it works

People who made Soviet time, still remember mutual aid funds. Such associations were created at workplaces for the purpose of mutual material support of the participants.

People who urgently needed money - for example, newlyweds or young mothers - were given interest-free loans. Funds were formed at the expense of entrance and monthly membership fees.

Credit consumer cooperatives operate on a similar principle. True, loans are issued with interest, but depositors also receive a certain income. At their core, these are non-profit organizations that attract finance from shareholders and provide loans to members of the cooperative.

Credit consumer cooperatives- voluntary unions of citizens or legal entities united according to a territorial, professional or other principle in order to meet the financial needs of the participants in the organization (shareholders).

The activities of the KPC are regulated at the federal level - in particular, by the law of 2009 "On Credit Cooperation". To create such an association, at least 15 individuals and at least 5 legal entities are required. The governing body of the cooperative is the meeting of shareholders.

Simply put, these are groups where people help each other financially. The organization does not aim to make a profit. Those in need of money are given loans on the basis of an agreement between the CPC and the borrower. At the same time, the company does not have the right to issue money to persons who are not members of the cooperative.

Loans come with or without collateral. Sometimes an organization issues loans under the guarantee of individuals and legal entities, in other cases, money is given on the security of real estate, transport, property rights.

Associations that are close in meaning and essence are credit unions, mutual credit societies, etc.

The basic rules of the PDA:

• each member of the community has the right to count on financial assistance when he needs it;
• unauthorized persons are not allowed to manage the organization;
• withdraw from the cooperative or join it only of their own free will;
• all members of the association have equal rights, regardless of the amount of contributions;
• decisions are made on the principle of "one shareholder - one vote";
• all members are equally responsible for the activities of the cooperative;
• CCPs must be registered with the relevant state structures and be members of an SRO - a self-regulatory organization (in case of compensation for losses of shareholders in case of bankruptcy);
• The organization has a Charter, which is approved at the general meeting.

What are the benefits of forming a cooperative? Such an organization has the right to tax benefits, guaranteed protection of property, investment activities, however, limited by law.

If a participant wants to borrow money from the cash desk, the meeting will not examine his credit history under a microscope, require income statements and other documents. For people who want to get busy entrepreneurial activity, but do not have regular income to obtain a loan from a bank, a loan from a consumer cooperative is an alternative option to get initial capital.

At the same time, personal savings are attracted to the CPC at rates higher than bank ones by 5-10%. That is, you invest money not for free, but for the purpose of making a profit. And if the money is not a dead weight, but is invested, for example, in government bonds, then the income of each participant increases proportionally.

The main one is that “consumer cooperatives were a legacy of the Soviet period and have sunk into history along with Gorbachev.” In fact, such organizations existed even in Tsarist Russia and are still quite successful.

Such associations exist in the West as well. In the US, the total assets of credit communities amount to hundreds of billions of dollars.

Another myth is “these are some fictitious organizations like financial pyramids.” Yes, by joining the CCP, there is a chance to run into scammers. But only if you are too lazy or do not want to check the legitimacy of the organization.

This is done very simply - all official CCPs are controlled by the state, registered with the Tax Service and the Unified State Register of Legal Entities, and are members of SROs.

Read the material about another voluntary association of shareholders in order to save and increase money - "".

2. What are the types of credit cooperatives - 3 main types

There are many types and subtypes of credit cooperatives - consumer, industrial, agricultural, construction, garage, country, second-level CCCs, which include the cooperatives themselves.

I'll tell you about the most popular varieties.

Type 1. Consumer cooperative

This is the main type of cooperative communities. The main goal of such an association is the mutual assistance of the participants: those who need funds receive them, and the rest contribute money at interest. The law does not prohibit these unions from receiving income legally.

To insure the savings of shareholders, SROs are organized, which include several cooperatives at once. Within the framework of these organizations, compensation funds are created, which partly replace the banking insurance system.

How to distinguish a consumer cooperative from a financial pyramid:

• KPK is a non-profit organization with relevant constituent documents: any potential member of the community has the right to study them;
• fraudulent organizations are much more actively engaged in advertising and marketing, attracting new members, and cooperatives solve the problems of a specific group of people;
• in pyramids, for each participant you bring, they promise a reward;
• financial pyramids do not last long - if the organization is less than a year old, it is better to look for another credit union.

The activities of the cooperative are completely transparent and are regulated by the Charter of the organization. The CCP necessarily has several funds - reserve, property, insurance.

Type 2. Agricultural credit consumer cooperative

The legal basis of agricultural cooperatives is regulated by the Law on Agricultural Cooperation. The priority activity of such organizations is participation in the agricultural sector of the economy.

Agricultural cooperatives specialize in the production and processing of products, supply, marketing, lending to subjects of the agro-industrial sector.

Example

Several farming families united and formed a cooperative. Separately, farmers could not purchase transport for the transport of milk and a machine for the production of animal feed. Together they managed to successfully solve these problems. As a result, the income of each household increased.

Agrarian cooperatives closely cooperate with banking organizations, in particular, with Rosselkhozbank.

View 3. Housing and construction cooperative

Housing cooperatives are created to solve the housing problems of participants. The specific tasks that the participants solve are the construction and improvement of residential premises. Tenants - present or future - pool their funds and solve pressing problems with their help.

When joining such a cooperative, be sure to study the charter and consult with a lawyer. Often, scammers are hiding under the sign of housing associations who want to profit from your money, or even living space. Never sign any document without reading it from beginning to end and knowing the status of the institution.

For a better understanding of the types of cooperatives, study the table:

3. How to open a credit consumer cooperative - step by step instructions

Would you like to open a consumer cooperative?

This will take time and effort. The most difficult stage is to attract a sufficient number of shareholders who will agree to pay an entrance fee. And then the system comes into play. It is necessary to act strictly within the framework of the law and observing a certain algorithm.

Step 1. Gather participants and hold a meeting

First, an initiative group is created, which includes people who clearly understand the goals and objectives of the organization.

They attract new members and convene a constituent assembly. To start operations, the cooperative will need at least 15 individuals or 5 legal entities. If the composition includes both, a minimum of 7 participants is needed.

Advice: it is desirable that the main group includes a person who knows the basics of financial literacy - a professional accountant or economist. It will be difficult for people without such education to manage financial flows.

A chairman and a secretary must also be appointed. Members of the future community formalize their decision to create the CPC in the form of an official protocol.

Step 2. We prepare documents

The main founding document of the CPC - the Charter credit union. It is also necessary to find original name for a cooperative and assign a legal address.

Example

In the Soviet feature film "Garage", the cooperative of shareholders was engaged in the joint construction of a garage complex and was called "Fauna". In some scenes, the articles of the organization's charter are announced.

It is necessary to preliminarily determine the size of the authorized capital and the amount of the initial share contribution, as well as draw up a lending program. When preparing documents, be guided by the provisions of civil law that relate to credit cooperation.

Step 3. Register a cooperative

We write an application for state registration and certify it with a notary. Then we pay the state duty and register the PDA in the Tax Service department at the place of the legal address. Before this procedure, participants must make in authorized capital not less than a tenth of the initial share contribution.

The following documents are attached to the application:

• list of community activities;
• evidence of ownership of the premises where the PDA will be located (or a lease agreement);
• passport data and TIN of the chairman ( CEO) and members of the organization;
• if the founders are a legal entity, certificates from the Unified State Register of Legal Entities are needed confirming their status.

A license from the Central Bank for financial transactions is NOT required.

Step 4. We make a seal and open a bank account

After you receive documents confirming the entry of the cooperative into the Unified State Register of Legal Entities, you need to make a seal and open a bank account. Notify the tax authorities about opening an account.

Step 5. We become registered in extra-budgetary funds

Be sure to register with extrabudgetary funds: social insurance, pension, medical insurance. The basis for the calculation of taxes in these funds is the remuneration of employees of the cooperative.

Step 6. Organize the control system

Control and accounting are the basis of competent financial management. In addition to internal control, the Federal Service for Financial Markets handles the financial affairs of the CPC. There you need to send a copy of the Charter of the organization and the contact details of the chairman of the cooperative.

Step 7. We join the SRO of consumer cooperatives

One more legal requirement. You must join the SRO within 3 months after the creation of the cooperative. Only after that the organization has the right to accept new members into its ranks and attract their finances.

When opening a cooperative and at all stages of its registration, it is advisable to consult with professional lawyers. The easiest way to do this is remotely - in a company specializing in online consultations.

Thousands of professional lawyers, including experts in civil law, cooperate with this resource. There are free services and paid ones. In the first case, a simple answer is given to question asked, in the second - a detailed written consultation with an algorithm of actions.

4. Professional assistance in registering a credit union - an overview of the TOP-3 law firms

From the previous section, you understood that the creation of a PDA is a responsible and difficult procedure if you do it yourself.

However, there are professional companies that will help, support, advise on the best way, or simply do all the work of registering a cooperative for you. We present an overview of the three most reliable firms such a profile.

The slogan of the company is “Unresolved issues are cancelled”. Specialization - registration and liquidation of legal entities and non-profit organizations, as well as legal and accounting services to individuals and firms.

"Center" registers new organizations economically and on a turnkey basis. Only statutory documents are required from the client, all other stages, including opening a bank account and interacting with the tax service, will be taken over by professionals. Another advantage of the company is low tariffs.

2) Express Registrar

The name of the company speaks for itself - "Express Registrar" works quickly and strictly within the framework of the law. The firm was founded in 1999. It is the leader of the Russian legal services market in terms of the number of registration procedures since its foundation. The company has 4,000 regular customers, 10 offices and 50 experienced staff members.

Advantages - payment only after the fact (no hidden fees), remote interaction with the client through Internet communications (Skype, icq, mail agent). The customer appears in the company only once, when he brings the documents for registration.

Moscow city service for registration of business and non-profit organizations. Operates with the support of Alfa-Bank. Registration 3 days in advance is guaranteed, but there are more quick options. Each client receives a gift in the form of opening and maintaining a current account. The company also provides customers with accessible legal addresses in all inspections of the Federal Tax Service of Moscow.

5. How to liquidate a mutual credit society - 3 practical tips

It happens that a well-intentioned cooperative does not fulfill its obligations and its existence loses its meaning.

In this case, it is necessary to legally competently close the organization. Simply dismissing people at a general meeting will not work. It is necessary to follow the provisions of the civil code.

The process algorithm is as follows:

1. We draw up the minutes of the meeting at which the liquidation was announced.
2. We inform the tax authorities about the termination of the activities of the CCP.
3. We appoint a liquidation commission.
4. We publish an announcement in the media about the termination of work.
5. We pay the shareholders the money put to them.
6. If there is not enough capital to pay off debts, we will sell the property of the cooperative.

Some useful tips, which will simplify the closing procedure.

The market for credit products is represented not only by banking structures, but other organizations are also ready to lend money. So, credit consumer cooperatives of citizens work with the population, where, if necessary, you can “intercept” the required amount for some time. Let's see how profitable such offers are and what distinguishes CPC from a regular bank.

Credit cooperative - what is it?

At its core, this non-profit organization is a mutual fund: a cooperative attracts money from shareholders in order to provide financial support to its other shareholders. The service for borrowers is paid, and depositors receive their income for the placement of funds. The profitability for the investor here is higher than in the bank, but the borrower also receives money at an increased percentage. The organization has its share of the commission for managing the activities of the cooperative.

In what situations may it be necessary to apply to a credit cooperative and on what conditions can one borrow here?

When you urgently need money...

Three friends wanted to arrange an extraordinary vacation for themselves and go to the Crimea for a few days, or for several months now, as new beaches and resorts appeared in Russia, and they still have not conquered all the vacationers there.

We agreed that we would fly on a Dobrolet the very next Friday, so that after 10 days of vacation we could return to work. The girlfriends asked for time off from the authorities, instructed the one who with the computer to “you” to order tickets from the domestic low-cost airline on the Internet. No, it turned out to be problematic. And the point is not at all in the absence of air tickets, but in the lack of funds - the management let them go on unpaid leave, and where to get money for great vacation?

It was calculated that each would need 7,000 rubles for a flight and 20,000 rubles for accommodation in an all-inclusive hotel, and they would additionally need to spend on fresh fruit, as well as on entertainment. Well, you need to get ready for the road - update your beach outfits. As a result, each of the girls urgently needed money in the amount of 40,000 rubles. Where can I get a loan for about a month until the next paycheck?

The difference between bank loans and loans in a cooperative is significant:

• Only relatively small amounts can be obtained from the CPC - loans of more than 30-100 thousand rubles are not available to individuals who have applied here for the first time.
• You will have to return the money much faster than the bank - only a few months are given to use borrowed resources.
• But you will have to pay much more - the rate in the cooperative may be an order of magnitude higher than offers from official financial institutions.

There is another significant difference - the speed of registration and the availability of receipt. If a credit cooperative is ready to accept borrowers aged 18 to 70, then banks have their own age limit - from 21 to 65 years. Yes, and you will have to actively prove your trustworthiness in the bank, and in non-profit organization, in addition to your passport, you are unlikely to be asked for an additional document.

What to choose for urgent borrowing?

Anna is an accountant in a reputable company: as the most conservative of this trio, she decided to apply to Sberbank for a cash loan, fortunately, she has been a client of this financial institution for a long time. I went to the nearest branch after work, filled out an application and waited for a call. The issue was promised to be resolved within the next business day.

Yana is a freelancer: she, as the most advanced, chose an online appeal toTinkoff Credit Systems , who promised to deliver a credit card with the required amount within 24 hours by courier directly to the house.

Alla is a salesperson in a private store: she put off resolving the issue until the last day, and only on the last day she ran into the office of the credit consumer cooperative "Credit Center" during a lunch break.

It is important not only how long the lender considers the application, but also its final decision - on the parameters of the loan provided. Additionally, one should not forget that it will take some time to make a decision on extradition, which must be taken into account in case of an urgent need for money.

What can you get with express loans?

Anna was called back from Sberbank on the second day and demanded to bring a certificate of income, which she did. Apparently, nevertheless, the fact of having a salary card in this bank played a role and the loan was approved. On the following terms:

• Amount - 45,000 rubles ( minimum size consumer credit for Muscovites in this bank);
• Term - 3 months (it will not be possible to borrow for a shorter period);
• The rate is 21% per annum (the bank did not like Anna for some reason, since he set the maximum possible rate);
• There are no additional fees or charges.

Yana received a Tinkoff Platinum credit card the next day after ordering it on the website. She showed the courier her passport, as well as her driver's license, and signed the documents in order to receive the card in her hands. Then it took some time to activate the card, but very soon the money was practically in her hands.

• The approved amount turned out to be less than the requested - 35,000 rubles;
• She has the opportunity to repay the debt on credit plastic over the next 20 months, paying the bank minimum payments of 5% of the debt amount, or you can return the entire amount even tomorrow;
• Interest outside the grace period - 29.9% for non-cash payments and 37.9% for withdrawing money from an ATM;
• Service - 590 rubles when issuing and activating the card is debited from the account, 290 rubles and 2.9% for each cash withdrawal operation.

Alla was able to get a loan from the CPC "Credit Center" in half an hour upon presentation of her passport and TIN certificate on the following conditions:

• Size - how much she asked - 40,000 rubles;
• The term, as it is convenient - 2 months;
• The rate is 15% per month, which corresponds to 180% per annum;
• Mandatory payment of fees (entry, membership, share) in the total amount - 1,000 rubles.

It is easier to borrow a small amount in a credit cooperative than in any bank, but simplicity is not always a benefit. The overpayment on such a loan will be higher than on a traditional consumer loan. But you don’t have to run around with papers and supporting documents, as Sberbank usually requires, or painfully calculate credit card debts, which can grow like a snowball due to additional commissions. Making loans in the CPC is convenient way borrow quickly.