The situation, when money is urgently needed, is unlikely to surprise anyone. Most often relatively small amounts are required, but urgently. Take a loan in the bank quickly does not work, and friends and relatives can not always help.
In such cases, they usually turn to microcredit organizations. At them this question is solved approximately for an hour, and online and without superfluous red tape. Money can be obtained either in cash or on a card. The disadvantage of this method is only higher interest compared to banks, but this is the price for speed and comfort of obtaining a loan.
Ukrainians, it seems, this option is credited to the soul. This is evidenced by omniscient statistics. As of early 2017, there were about 110 microfinance institutions in Ukraine. With a part of them you can get acquainted by opening the aggregator site "Nadra Credit" nadra. com. ua. And the pace of micro-credit last year only grew. Probably, the same trend will continue in the year that has come.
Why take loans According to the same statistics, most Ukrainians take microloans for the purchase of electronics and household appliances. Here you want a brand new smartphone or broke your favorite multivarker - where to run for money? We answer: to any gadget with access to the Internet.
Also, microcredits are taken to pay for medical treatment, travel, organization of holidays.
Well, the third popular reason - to hold out to paycheck.
Most microfinance organizations are ready to provide online loans for up to UAH 15,000. Your purchase is likely to fit into this range.
Of the more than 100 microfinance organizations mentioned by us, one of the largest and most authoritative companies is Bystrozaim. As the information on the site "Nadra Credit", which can be read in detail here, "Bystrozaim" gives on credit up to 10 thousand. UAH. for up to 30 days.
Why are the microcredits of Causes popular, why do citizens of Ukraine take microcredits, several. The first and main thing is that the incomes of people do not yet meet their needs. The cost of necessary goods is often higher than a person earns even a month. For example, a good refrigerator or washing machine costs 8-10 thousand hryvnia, and about the same person gets a salary. But you still need to eat, go by transport, pay for utilities and t.
The second reason is the opposite of the first. In a number of families, the financial situation, on the contrary, is improving, which gives confidence to people in the future. And they decide to spend money on something they did not previously have the financial ability to do. And wait until they collect money for the desired thing, they do not want. Therefore, they take credit, knowing that they can easily return it.
There is also a third reason, which lies in the psychological plane. The growth of the exchange rate pushes people to make purchases due to fear of inflation. People get something useful because "money is not lost". The available amount is often not enough, so the balance is obtained by credit.
We want to mention another solid microfinance company, which should be addressed if money is needed urgently - Moneyveo. One of the features of their work, which are described on the page of the site "Nadra Credit", is the opportunity to extend the loan period, if you pay interest on it. Also, early repayment without commissions is possible, which, in our opinion, is a big plus.
Prospects of the credit market They, in the opinion of financiers, are the most rosy. The economy comes to life, which will lead to an increase in consumer activity. Ukrainians will buy more, which means more borrowing.
That, in turn, will cause the growth of the banking and microfinance sectors.
With an increase in the number of lending organizations, competition will increase, which will lead to an increase in the quality and range of services. A revival of mortgage and automobile lending is expected.
The growth in the supply of loans is likely to provoke a decrease in interest rates on loans. True, for all this, a stable growth of the well-being of citizens is needed.