Remote lending
Getting a loan without leaving home has become a real reality for citizens.
Borrowed funds can be obtained from a banking organization or MFI through a global network. To do this, you only need to specify your personal data and wait a few minutes until the lender makes a decision.
And for this category of the population it becomes the most convenient way to get borrowed funds through the Internet. Against the backdrop of the pandemic, this issue becomes most relevant when people need financial assistance during the period of restrictive measures. The level of income of citizens is falling, state bodies are calling for social distancing, creditors are tightening the selection criteria. All these factors lead to the fact that online loans are becoming very popular among residents of Russia and not only.
What is a distance loan?
This term implies the transfer of borrowed funds in any way via the Internet, when there is no personal contact of the lender with his client. At a distance, microfinance organizations, pawnshops and, of course, banks that try to correspond to modern realities of life give out money.
When applying for a loan on the Internet, you do not need to collect a bunch of papers and certificates and wait a few days to get a response about its provision. Banking organizations issue loans only to proven and responsible customers upon presentation of only a passport and SNILS, and MFIs are generally ready to assist on one document and without checking credit reputation.
In no case should you disclose passwords and plastic card numbers to employees of financial companies that may be fraudsters. It is possible to draw up an agreement only with creditors who are in a special register of the Central Bank of the Russian Federation and have permits for their work.
Conditions for obtaining a remote loan
To get a borrowing in the global network,you need to register on the lender's website and get access to your personal account. To do this, you must specify in the questionnaire name, date and place of birth, as well as passport information. In addition, you will need to enter contact details of the phone number and e-mail.
Most MFIs ask for income and place of work, as well as other information. The whole procedure takes a short period of time and does not present any difficulty even for a person who does not understand in this matter.
These loans are issued for a short period with a slight limit and at a fairly high interest rate. Although there are advantages when online lending:
- The procedure for receiving money takes place in 30-40 minutes.
- It is not necessary to provide valuable collateral and solvent guarantors.
- There is always an opportunity to extend the term of the loan agreement.
- The application is submitted to the lender through the personal account. The decision on it can already go to the phone of a citizen in a few minutes. If the verdict is positive, then a contract is sent to the e-mail address, where the terms of lending are prescribed. If the borrower agrees with them, then he must put an electronic signature and the financial company immediately transfers money to him on a bank card or virtual wallet.
- An online loan can be obtained not only in the MFI, but also in Sberbank or Tinkoff Bank, where the debtor can receive borrowed funds, who receives a salary or pension in them, and also has a savings deposit (deposit).
- To apply for a remote loan, you will need to provide scans of the passport photo with registration and payment details of the plastic card. With its help, additional identification of the client is carried out, which gives an objective picture of him. Borrowed funds are available online only to citizens who have reached the age of majority and are not older than 75 years.
Conclusions
To get a loan via the Internet,you need to correctly and competently choose a lender that will provide funds on more favorable terms. And do not forget about scammers who are just waiting for a person to trust them and provide information about themselves in order to use them for their own selfish purposes.
