Microcredits often become an unbearable burden for the employer. The smallest delay in payments entails fines and reinvestigation of collection agencies. To get out of a difficult situation with the help of refinancing. To save money, it is important to choose the right long-term loan on a card with a minimum interest rate and reasonable repayment terms. From whose material we have collected the best ways to get rid of a loan with a bad credit history for refinancing micro-positions in Ukraine.
Long-term loans in microfinance organizations
Number of microfinance authorities The population in Ukraine is growing rapidly, almost every month 'are new MFOs, which have loyal minds in obtaining loans. More and more often, it is not just a few thousand before payday, but loans worth up to 50,000 hryvnia and more. The increase in the maximum amount did not affect the advantages of the MFO - loans of 18 rubles, a minimum of documents, praising the position of people with a bad credit history, without a visit to installation, and money on the card is charged for 15 rubles.
Microf Financial organizations offer loans on the brightest minds:
- from 25 to 50 thousand hryvnia;
- the loan is issued for lines from 4 to 12 rubles;
- the monthly rate is 120- 170%. finprom.net/compcat/rating-mfo/" rel="external noopener">rating of MFOs on independent sites, where we have selected companies with the brightest minds in lending and real work.
Refinancing of an MFO microposition for an additional credit card
Most Ukrainians have credit cards from popular banks.
If you don’t already have a credit card, go to any bank with a passport and identification code for decoration credit cards with a limit. This is a good option to limit your credit line to 200,000 hryvnia, which will allow you to cut off the number of international loans.
The features of the credit card are significant:
- The more you use the card, the higher the limit;
- new clients are given 10-20 thousand hryvnias, long-term clients - up to 200,000 hryvnias;
- regular interest rate is less than 40-60%;
- head plus credit card - It’s a grace period for which you won’t be able to earn enough money.
Refinancing microloans from a bank
If you want to close a number of microloans from an MFO for a decent amount, you need to look at a long-term loan from a bank. Prote, keep in mind that Ukrainian banks value their money based on their income and credit history. In case of a low interest rate, the amount of the position and the trivial terms of lending are increased.
The best solution for refinancing microposits is a durable non-profitable loan. It has its own advantages:
- maximum amount is 500 thousand hryvnia;
- real interest rate - 75%;
- credit period - 3 months to 7 rocks;
- you can withdraw money using a bank account or to a card;
- you can pay off a loan using a bank account or an additional bank account.
You can withdraw a loan people from 21 to 60-65 years of age. To submit an application, you will need a passport, identification code and proof of income for the remaining six months. The chances of getting a loan are greater if you have a good credit history.
Who is promoting the purpose of refinancing programs? bath.
Recredit Company
The company specializes in refinancing micro-posits for a total amount of up to 40,000 hryvnia. The service also offers loans for various purposes - cleaning, repairs, purchase of goods, etc.
Umovi loans
- up to 40,000 UAH
- for lines from 3 to 12 months
- the hundred percent rate is 0.33% per day (120% on the river) on excess
- without income tax, only passport and code .
Unex Bank
Purpose loan, which allows you to refinance up to 10 loans in other banks overnight.
Umovi credit:
- up to 350,000 UAH
- for lines from 16 to 51 months
- 44% on the river
- Piliment period: 3 months
- Rozhevsk commission for the payment: 3.5%
- You will need your passport and code.
Credit Dnipro Bank
Refinancing program for Credit Dnipro Bank, which allows you to add up to 4 loans.
Umovi credit:
- up to 500,000 UAH
- for lines from 12 to 60 months
- surcharge rate: 54.57%
- service fee: 2.5-4.25% per month
- required passport and code
- credit visible persons who have reached the age of 21, but not older than 70.
Refinancing of micro-positions with a bad credit history
If the owner delays payments for loans, then this causes a blow to his credit stories. In this case, financial institutions are often encouraged
