Consumer lending occupies a large share in the loan portfolio of banks. But at the moment, not only second-tier banks (STBs) have realized that lending to individuals is profitable and necessary. A little smaller companies entered the scene - microfinance organizations (MFIs).
Thus, the consumer of financial services has a huge choice not only between banks, but also between MFIs. It all depends on the purpose and cost of the goods that are planned to be borrowed under the consumer lending program. If the amount is large, then contacting the bank will be a solution, if the cost is not very high, then the MFI will help out. You just need to decide and find a profitable offer, not to be deceived and not overpay.
Let's take a look at what is a consumer loan? This is the provision of borrowed funds only to an individual, that is, an ordinary citizen of the country, not a firm or a large company, for the purchase of goods for their own use or in the common property of the family.
Consumer loan can be issued for the purchase of a car, furniture, equipment, building materials, books, toys and much more.
Requirements for applicants from credit institutions are:
1) Compulsory citizenship.
2) Majority.
3) Having a permanent job and continuous pension contributions.
4) In many cases, a positive credit history and the absence of debts in the register of debtors for taxes, alimony and other payments.
Any resident of the country who meets these requirements can easily take advantage of the offer of STB or MFO.
The documents to receive will be as follows:
Working residents of the country present an identity card, and pensioners also present a second document - a pension certificate.
How to choose an organization among a large variety and make the right choice?
You can search in Google or Yandex, spend a few hours surfing and studying the material, or use a special service designed to help your users and save their time - all4money.kz.
All4money.kz is an electronic directory of loans and credits in Kazakhstan, which shows all offers of STBs and MFOs in the country. Here you can read the real reviews of people about the companies, as well as share your opinion, using the "Checkout" button, quickly go to the third-party site of the lender's company and leave an application for a loan.
All4Money is a real lifesaver for people who value comfort and prefer to use their time and vitality wisely and usefully.
The service provides only reference information�
