My Money

Often people need a list of simple and clear advice - how to plan their finances in such a way as to meet their current needs, and be able to pamper themselves, and accumulate the necessary amount "for a rainy day" and for a quiet old age. In our application "My Money, Tips for Saving", we have collected the simplest solutions to this issue, available to everyone.

It is optimal not to use your own money for large purchases, but to take a loan from a bank on favorable terms, provided that it will be possible for you to repay it. By borrowing money today and investing it wisely, you win right now - making a purchase for yourself and the whole family, solving urgent health problems. Moreover, a modern person does not need to go to a bank to get a loan. Using your smartphone, you can apply for a loan online for free.

Using a mobile application, you can choose from a variety of offers from many banks and submit an application instantly - any action you perform without leaving your home or restaurant. Issuing loans is available around the clock, without breaks and weekends - thanks to auto payment systems that accept and approve a loan order.

Borrower requirements:

* age from 18;

* citizenship of the country in which you want to take out a loan;

* availability of the passport

Conditions for obtaining a loan or microloan:

- The first loan up to 10,000 often falls under "0% rate", subject to timely loan repayment

- Depending on the offer you choose, the loan repayment period will be from 91 to 365 days (prolongation is included);

- The interest rate will be from 30 to 360% per annum, without commissions, depending on the offer you choose

Sample loan calculation:

A loan was issued in the amount of 250,000.00 for 1 year at 9% per annum:

The total amount to be paid is 262 187.80.

incl. % - 12187.80

loan amount: 250,000.00

In case of non-payment of the loan, a penalty is charged - 0.1% of the total amount of delay per day. The penalty cannot exceed 10% of the total loan amount.

A bit of financial legislation:

I. The calculation of the total cost of the Loan as a percentage includes payments for repayment of the principal amount, for payment of interest and other payments provided for by the Issuance Agreement, including payments in favor of third parties in accordance with Federal Law No. 353- dated 21.12.2013 Federal Law "On consumer credit".

II. The calculation of the total cost of the Loan in monetary terms includes payments for the payment of interest and other payments stipulated by the Agreement for the issuance of a Loan in cash, including payments in favor of third parties, if they are to be included in the calculation of the lending interest rate in accordance with the Federal Law of December 21, 2013 No. 353-FZ "On consumer credit".

III. The minimum value of the lending interest rate is 9.900%

The maximum value of the lending interest rate - 25.227%

Please read before you decide to take a loan:

* real terms of the loan will necessarily differ from the average ones described above;

* you can find real loan offers using our application. Our application is not a credit institution, does not issue loans and is not responsible for advertising information posted in it by third parties, including the specific terms of loan offers posted by banks or microfinance organizations;

* our application contains basic information about loans and borrowings, please read it before deciding to take a loan;

* stories of successfully obtaining and paying off a loan do not guarantee that other users of the application will take out a loan on the same terms. Any descriptions of the terms of lending and repayment of loans are a reflection of the experience of a specific person, and the experience will differ from person to person.

Just try them and watch your financial well-being and confidence in the future grow!