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The provision of cash loans every day is gaining popularity among Americans. «While in the summer of 2009, the" real "cash loans, no one involved - said the expert. - Now this market is gaining momentum. We have had cases where clients came to the bank and receive advice on credit, do not believe that even possible to obtain a loan in cash in the bank, without collateral for any purpose. All are seeking a trick - that we have the mentality ».
But, despite this factor, the success of banks in this arena is clear: «active selling cash-loans started with us back in December last year, and now we have established a portfolio of 17 million grn. About 1000 customers have already made their dream », - payday loan lenders.
Banks providing loans to cash, are often not interested in the purpose of money requested by the borrower. Indeed, the primary concern of bankers regard namely solvency client. Consequently, they require a list of documents. Mandatory items in this list are, of course, a passport, identification code and a certificate from the employer showing the positions and the borrower's wages for six months. The latter should contain evidence of monthly income wishing to obtain credit at a level not less than 500 UAH. But remember that the basis of wages, bankers in the first place and decide - to give or not give credit to the customer.
It is a condition regarding the minimum wage raises the borrower, most domestic banks that provide loans in cash. While the requirements may be higher, depending on how long the credit is issued and for what amount. Some banks are also asked to provide employment record or a certified copy of her employer. Sometimes you can hear the request and submit a paid utility bill, telephone service over the last month. No less interesting, you can take and age criteria, which put the banks in front of borrowers. Thus, the cache-credit, in accordance with the requirements of some banks may count persons who have reached 21 years, although there are conditions on the 25-year-old minimum age.
Notably, the cash loan may be issued for a period of between 12 and 60 months, ie from payday loan lenders. Representatives of the Ukrainian banking sector to take in this case, the amount of up to 25 ths. But, as a rule, the conditions of domestic credit (for it is a cache of credit) are as follows: a loan up to 3 years up to the amount of 10 ths. If the client requests more and for a longer period, then to the borrower requires a much stiffer.
It turns out that if the amount is small, it will be possible to obtain credit quickly and easily. That is, all the advantages of such a loan is there - the simplicity, accessibility, efficiency. But if we are talking about 25 thousand UAH., Grow in geometric progression and the requirements of the bankers. And consequently, may be used and is not specific to the classical scheme of cash-lending criteria - the existence of a bond or surety, and insurance of the borrower (on necchastnogo case of death due to illness or temporary or complete disability as a result of necchastnogo event or illness). In turn, the design of the latter also would cost the borrower in the round sum.
Return the money involved in terms of credit-cache, must be through monthly contributions. The interest rate on the loan may be in the 21-36% APR. At least the size of bets are offered in advertisements of banks. But also be mindful of the commission payment for the loan, which banks charge. Thus, the amount of commission paid, on average, would be 6% of the loan. And if you will be able to repay the loan ahead of schedule, the fee for such repayment may be 2-3% of the outstanding debt on the loan. So, actually increases the amount that must be paid eventually.
But, despite this factor, the success of banks in this arena is clear: «active selling cash-loans started with us back in December last year, and now we have established a portfolio of 17 million grn. About 1000 customers have already made their dream », - payday loan lenders.
Banks providing loans to cash, are often not interested in the purpose of money requested by the borrower. Indeed, the primary concern of bankers regard namely solvency client. Consequently, they require a list of documents. Mandatory items in this list are, of course, a passport, identification code and a certificate from the employer showing the positions and the borrower's wages for six months. The latter should contain evidence of monthly income wishing to obtain credit at a level not less than 500 UAH. But remember that the basis of wages, bankers in the first place and decide - to give or not give credit to the customer.
It is a condition regarding the minimum wage raises the borrower, most domestic banks that provide loans in cash. While the requirements may be higher, depending on how long the credit is issued and for what amount. Some banks are also asked to provide employment record or a certified copy of her employer. Sometimes you can hear the request and submit a paid utility bill, telephone service over the last month. No less interesting, you can take and age criteria, which put the banks in front of borrowers. Thus, the cache-credit, in accordance with the requirements of some banks may count persons who have reached 21 years, although there are conditions on the 25-year-old minimum age.
Notably, the cash loan may be issued for a period of between 12 and 60 months, ie from payday loan lenders. Representatives of the Ukrainian banking sector to take in this case, the amount of up to 25 ths. But, as a rule, the conditions of domestic credit (for it is a cache of credit) are as follows: a loan up to 3 years up to the amount of 10 ths. If the client requests more and for a longer period, then to the borrower requires a much stiffer.
It turns out that if the amount is small, it will be possible to obtain credit quickly and easily. That is, all the advantages of such a loan is there - the simplicity, accessibility, efficiency. But if we are talking about 25 thousand UAH., Grow in geometric progression and the requirements of the bankers. And consequently, may be used and is not specific to the classical scheme of cash-lending criteria - the existence of a bond or surety, and insurance of the borrower (on necchastnogo case of death due to illness or temporary or complete disability as a result of necchastnogo event or illness). In turn, the design of the latter also would cost the borrower in the round sum.
Return the money involved in terms of credit-cache, must be through monthly contributions. The interest rate on the loan may be in the 21-36% APR. At least the size of bets are offered in advertisements of banks. But also be mindful of the commission payment for the loan, which banks charge. Thus, the amount of commission paid, on average, would be 6% of the loan. And if you will be able to repay the loan ahead of schedule, the fee for such repayment may be 2-3% of the outstanding debt on the loan. So, actually increases the amount that must be paid eventually.
