Микрокредит – риск или продуманный шаг?

Микрокредит – риск или продуманный шаг?

За последние несколько лет В России количество МФО уменьшилось более чем в два раза. Это связано с выходом новых правок к регулирующему документу «О микрофинансовой деятельности и микрофинансовых организациях». То есть рынок прошел очередную серьезную стадию естественного отбора, после которой остались наиболее адекватные и жизнеспособные компании, готовые действовать в рамках правового поля.

Лидеры отрасли предлагают своим клиентам все более прозрачные и понятные условия, лояльный подход в затруднительных ситуациях и постоянно ищут возможности снижения процента. Однако пока невозврат по микрозаймам будет оставаться на высоком уровне (по некоторым источникам у отдельных МФО эта цифра составляет более 50%), то говорить об уменьшении ставки не приходится.

И все-таки, зачем?

Реклама и яркие баннеры микрокредитных компаний пестрят призывными лозунгами о том, как просто и быстро получить деньги в долг. Стоит только прийти в офис или нажать пару кнопок на компьютере. А после опытные менеджеры возьмут все в свои умелые руки. Однако следует помнить о том, что подобный займ подойдет не всем.

Обращение в МФО оправдано в следующих ситуациях:

  1. плохая кредитная история и невозможность получить средства в банке;
  2. отсутствие необходимых документов, которые требуется при подаче заявки на обычный кредит;
  3. экстренный случай, когда деньги нужны «здесь и сейчас»: на важную покупку или оплату какой-либо услуги;
  4. когда речь идет о небольшой сумме;
  5. отсутствует официально подтвержденный источник дохода;
  6. есть потребность улучшить свою кредитную историю.

Последний пункт требует пояснения. Как правило, аккуратно выплаченный микрокредит положительно влияет на репутацию заемщика. Некоторые люди специально берут серию займов у МФО, исправно их погашают и тем самым улучшают свой рейтинг. Такой подход актуален для клиентов с испорченной кредитной историей в том случае, когда они планируют в будущем обратиться за крупной суммой в банк.

В ряде ситуаций брать микрокредит не имеет смысла и даже в какой-то степени вредно:

  1. если деньги нужны «на всякий случай», чтобы были наличные в кошельке (да, есть и такие клиенты);
  2. представление об условиях договора весьма смутные, либо потенциальный заемщик вообще не планирует читать то, что ему дают на подпись;
  3. есть высокий риск не справиться с выплатами и заработать штрафы, что повлечет за собой общение с коллекторами и дальнейшее судебное разбирательство;
  4. при полном отсутствии какого-либо дохода или перспектив его получения;

Очевидно, что при достаточно низкой финансовой грамотности населения микрокредит представляется достаточно невыгодным продуктом. Именно поэтому среди людей распространено мнение, что в МФО работают «воры» и «мошенники», которые только и мечтают о том, чтобы обобрать клиентка как липку.

Следует всегда иметь в виду, что деятельность микрокредитной организации – это, прежде всего, бизнес, а не благотворительность. Как и любой банк, МФО стремятся заработать на процентах. Но также необходимо понимать, что эти компании могут выручить в действительно безвыходных ситуациях, когда деньги взять просто негде.

Разумный подход

В том случае, когда микрозайм является единственным возможным вариантом получения средств, то к его оформлению нужно подойти со всей ответственностью.

  • Не стоит выбирать МФО, ориентируясь только на отзывы в Интернете. В сети очень много негативной информации, которая зачастую отражает эмоции конкретных людей и редко основывается на реальных фактах.
  • Лучше предпочесть более крупную организацию с представительствами в основных регионах РФ. Правило не работает, если потенциальный заемщик проживает в отдаленном месте, где приходится выбирать из ограниченного списка МФО.
  • Перед обращением за микрозаймом необходимо просчитать с помощью специального калькулятора сумму переплаты. Такая опция есть почти на всех Интернет-порталах МФО.
  • Внимательно прочесть договор и прояснить все спорные моменты с менеджером. Пусть на это уйдет 2 или 3 часа, но лучше не спешить, иначе в будущем можно столкнуться с неприятными последствиями.
  • Расплачиваться с компанией вовремя, следовать всем условиям договора.

При соблюдении несложных правил микрозайм из «неизбежного зла» превращается в прекрасную возможность, направленную на решение временных финансовых проблем. Стоит только уделить немного больше внимания бумагам и внимательно разобраться в условиях.

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