Electronic money gains the increasing popularity among Russians. One of the most widespread payment service providers - Yandex.Money. It can be used both for payment of goods and services, and for receiving loans.
Features of receiving the credit in Yandex.Money
Today it is possible to obtain a loan not only cash through bank, but also electronic money. Similar services are rather popular as they allow to take the credit in a short time and when providing the minimum document package.
Difference of the platform Yandex.Money from WebMoney is that on the site there are no crediting offerings. These services are offered only by independent services. The most probable cause is that it is simpler to get a purse on Yandex.Money. On WebMoney at registration scans of documents are requested, and on Yandex.Money the obligatory identification of the owner of a purse is not carried out. Verification process is carried out only at the request of the user.
Creditors are not interested in issuance of credits in Yandex.Money. It is possible to understand them as there is practically no guarantee that they will return back. Issuance of credits in this case is based only on trust, there are no mechanisms of return in a system. For example, in WebMoney it is possible to receive documents of the debtor and to appeal with them to court and also the loan agreement is signed.
Ways of receiving the credit in Yandex.Money
Sites which specialize in issuance of credits by Yandex.Money do not differ in loyal conditions. Interest rates exceed 1.5-2% a day (from 540 to 730% a year). Also the loan sums are often significantly limited - they can be only 350-1000 rubles.
So, the loan for Yandex.Money is granted by MoneyMan microfinance institution. An indispensable condition of receiving a loan - the identified purse. It is possible to undergo identification procedure through the agency of credit stories Ekvifax or through salons Euroset.
For receiving a loan in MoneyMan it is necessary to fill out the application on the website, and then to confirm it by means of SMS. The application is considered within a minute, and loans arrive into the account instantly. The maximum sum of crediting - 15000 rubles, terms - up to 14 days. An overpayment on such loan rather big. For example, if to issue a loan on 6000 rubles for 5 days, it is necessary to return on 750 rubles more.
In a different way receiving the credit is its design through WebMoney, and then converting of electronic money in Yandex.Money. However, it is unlikely it is expedient since in addition to percent for use of a loan, a part of money will be lost on converting. At the same time it is possible to pay purchases also WebMoney, that is such credit loses the meaning.
Pay attention that when receiving the credit it is quite possible to come across also swindlers. They suggest to take the credit only on the terms of preliminary transfer of the commission for issuance of credit. The percent will depend on the crediting sum. Many borrowers listed the commission, but did not receive credit money.