We live in difficult times, and planning your life is becoming increasingly difficult. When it comes to financial literacy, everyone can put their fifty cents into the conversation, but more often than not, people’s words are at odds with their deeds, and they live far beyond their means to paychecks, sometimes even looking for loans without refusal and microloans.
There are many different benefits in the twenty-first century, but our new and free application Loan at 0% at the right time is the necessary assistant that will come in handy in the harsh current time. It will try to explain in accessible words what financial literacy is and how to protect yourself in the financial field.
If you have already decided on the choice of a credit organization, we suggest using our article to be a little more aware of how finance works, how it is built and how to live with it. Planning a budget and repaying loans without refusal is now easier than ever with our application!
Today, microloans are very popular and help maintain the level of comfort at the proper level, even in the presence of temporary financial difficulties.
Conditions for obtaining a loan:
The minimum loan repayment period is 91 days;
- The maximum loan repayment period is 365 days;
- The maximum annual interest rate, including the loan interest, as well as all other commissions and expenses for the year (Annual Percentage Rate APR) is 36%, and the minimum is 1%. Annual interest for using the Credit - min 1%, max 36%.
An example of interest rate calculation:
- The amount of the body of the loan - 20,000 rubles.
- Loan term – 100 days.
- Commission for using the loan: 0.08% per day, i.e. 16 rubles per day, or 2.4% per month (averaged for 30 days), i.e. 480 rubles per month (averaged for 30 days).
- The total amount of the commission for 100 days will be 1600 rubles.
- The total amount to be returned, taking into account the loan amount: 21,600 rubles.
- FLC - the full cost of the loan (FLC - Full Loan Cost) in percent is 29.2% per annum.
There are many different benefits in the twenty-first century, but our new and free application Loan at 0% at the right time is the necessary assistant that will come in handy in the harsh current time. It will try to explain in accessible words what financial literacy is and how to protect yourself in the financial field.
If you have already decided on the choice of a credit organization, we suggest using our article to be a little more aware of how finance works, how it is built and how to live with it. Planning a budget and repaying loans without refusal is now easier than ever with our application!
Today, microloans are very popular and help maintain the level of comfort at the proper level, even in the presence of temporary financial difficulties.
Conditions for obtaining a loan:
The minimum loan repayment period is 91 days;
- The maximum loan repayment period is 365 days;
- The maximum annual interest rate, including the loan interest, as well as all other commissions and expenses for the year (Annual Percentage Rate APR) is 36%, and the minimum is 1%. Annual interest for using the Credit - min 1%, max 36%.
An example of interest rate calculation:
- The amount of the body of the loan - 20,000 rubles.
- Loan term – 100 days.
- Commission for using the loan: 0.08% per day, i.e. 16 rubles per day, or 2.4% per month (averaged for 30 days), i.e. 480 rubles per month (averaged for 30 days).
- The total amount of the commission for 100 days will be 1600 rubles.
- The total amount to be returned, taking into account the loan amount: 21,600 rubles.
- FLC - the full cost of the loan (FLC - Full Loan Cost) in percent is 29.2% per annum.
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