Olga, do not mislead people, you, apparently, are a person of interest. You do not need to refer to the contract, you need to understand that the rights of the borrower are violated by this MFI in a rude manner. I myself encountered such a problem and I will write what to do in this situation (I won’t be surprised if my message is not published or deleted).
Steps for early repayment of a loan in MigCredit (applicable to any MFI that tries to deny you this right):
1) You have the right to report early repayment of a microcredit at least 10 calendar days in advance (part 6 of Article 12 of the Federal Law No. violation of your rights). And you must notify in any written way (sending a letter by courier, by mail of the Russian Federation with notification), and not necessarily in person, as required by Mig Credit. If anyone needs a sample of filling out an application for early repayment of a loan at an MFI, I can send it, since Mig Credit refuses to provide such a form remotely.
2) Recalculate how much debt, including interest and penalties, if any, should be by the date of early repayment of the loan (i.e. calculate the number of days from the date of conclusion of the agreement to the day of the planned repayment and multiply by the interest rate per day on the loan specified in the contract). Loan amount Interest on the loan for the used period Penalties for late payment, if any - The sum of all payments that have already been made = Amount to early repayment. You should definitely reflect your calculations and the amount in the application so that Mig Credit understands that you are not a sucker and you know perfectly well how much you owe, because. shows the practice of Mig Credit you will calculate the amount greater than the real balance.
3) After 10 calendar days after notification of Mig Credit (keep in mind that the date of notification will be the date of receipt of the letter, and not the date of its sending), transfer the amount calculated by you to the Mig Credit account with the wording in the purpose of payment "Early return of funds and interest for the time of actual use of money under the microloan agreement No. ___ dated ___, concluded between citizen ___ and the microfinance organization MigCredit LLC. At this stage, all your obligations to the MFI are considered fulfilled.
It is also worth considering that within 10 days after receiving the notification, Mig Credit will most likely object and convince you that you are wrong - and you owe them more, and everything is framed incorrectly, and contradicts the contract that you signed - do not worry and declare them that write a complaint to the territorial body of the Federal Service for Financial Markets of the Russian Federation (FFMS). It is they who control the activities of MFIs. If this does not work, then do not waste time, feel free to write a complaint to the territorial office of the Federal Financial Markets Service at your address. And, of course, a postal receipt, or an agreement with a courier service for the delivery of a letter, as well as receipts for the transfer of funds, everything must be kept, like the apple of an eye, for 3 years.
Good luck! And also I wish all of us not to get into such hopeless situations when you have to turn to such a crook for money!
MCC Mig Credit is a popular way to solve financial difficulties. The company issues funds up to 100 thousand rubles. The application is considered within 10 minutes. You can get funds on your card without even leaving your home. Many clients of this organization are wondering if it is possible to repay a loan taken in Mig Credit ahead of schedule? In this article, we will give an answer to it.
In this microcredit organization, it is possible to repay the debt in two ways:
- Within 14 days from the start of the contract. You do not need to notify the lender.
- At any time during the validity of the contract, with prior notice 28 days before the date of payment.
If everything is clear with the first method, then on early repayment after two weeks, it is necessary to dwell in more detail. If the client is going to repay the loan ahead of schedule, then 28 days before the funds are credited, an application must be submitted. Within 5 working days, Mig Credit MCC employees will consider it and make a decision. Upon positive consideration, the required amount and terms of its payment will be indicated.
In case of early repayment of a short-term loan (given for a month), it is not necessary to notify about it.
How to repay a loan in Mig Credit ahead of schedule?
The legislation of our country allows the borrower to repay a loan of any kind ahead of schedule. The text of the Federal Law "On Consumer Loan" clearly stipulates the nuances of such repayment. According to him, the loan can be repaid at any time by notifying the organization that issued it 30 days before the deadline for the return of funds.
The company issuing the loan may prescribe special conditions in the contract. AT loan agreement Mig Credit has a clause on the deadline for applying for full early repayment. Such action must be notified to the company 28 days before the date of payment. If this is not done, you will have to pay the entire amount in equal installments every two weeks. The borrower has the right to return the funds only upon notification of the company about it for the period specified above.
When repaying a short-term microcredit (up to 30 days), there are no such difficulties with full payment. This can be done at any time without notifying the credit institution.
How to notify Mig Credit about early repayment of a loan?
Have you decided to pay off your loan early? This issue must be approached very responsibly. After all, even one mistake can lead to a breach of the contract. And this is fraught with big problems. To the point of getting worse credit history client.
It is especially important to correctly notify the credit institution of early payment. In the case of Mig Credit, this is done in only one way - by applying for early repayment.
- You can do this at the nearest office of the company. The completed application form will be given to you by Mig Credit employees. If you are having difficulty filling out such an application, then ask them to help you.
- The second option is to send the completed application to the e-mail of this organization. You can download the agreement on the Mig Credit website. Fill it out correctly and attach to the letter. In it, tell us about what you want to do, indicate your full name and contract number.
- You cannot give advance notice over the phone. Only on the basis of a paper or electronic application, the employees of this microcredit company will recalculate the interest and indicate the amount to be paid.
Paying off your loan early can help you
Migcredit is the largest microfinance company in Russia that provides cash loans in offices or via the Internet. Here you can get money for a short period before salary or for a long time with gradual repayment.
Is it possible to repay a loan in Migcredit ahead of schedule?
At any stage of lending, the borrower can return the money ahead of schedule (pay in part or in full) in accordance with the general terms of the loan agreement. For different products, a certain early repayment algorithm is used.
Procedure for early repayment of a short-term loan
If the client has a formalized payday loan with a lump sum repayment, he can repay it ahead of schedule on any day and without prior notice to the lender.
To do this, you need to log in to your personal account and click the "Pay a loan" button. You can find out the current amount of debt in your personal account on the Migcredit website, in the company's offices, by calling the free hotline 88007000908.
The best way for early repayment is online payment by card on the company's website or cash repayment at the office. Only these 2 loan repayment options guarantee instant transfer of funds on the same day, excluding delays.
Procedure for early repayment of a long-term loan
The company offers the client to repay the loan ahead of schedule (in part or in full) by notifying the lender 28 days before the expected repayment date. It is important to calculate everything so that the repayment falls on one of the payment dates according to the schedule.
There are two ways to apply for early repayment:
- Via email
- At the lender's office
Within 5 working days after receiving such an application, the lender recalculates the interest according to the actual term of using the loan and notifies the borrower about this through the available communication methods: in your personal account, by phone.
After that, the borrower should deposit funds in the specified amount into the account 3-5 days before the expected repayment date. This can be done the same day at the MigCredit office.
If you deposit funds remotely on the last day before the expected repayment, it is likely that they will be credited later. If there is no required amount on the borrower's account on the date of the expected early repayment, the application for early repayment will be canceled and everything will have to be done again.
If the client does not notify MigCredit about the desire to repay the loan ahead of schedule using an application 28 days before the payment date and simply deposits a certain amount of funds into the account, the company will write it off on the next payment date in the amount of the current installment.
The application is written in any form, since there is no sample or algorithm for filling out such a document on the official website. An application for early repayment must contain the following information:
- Full name of the borrower, his passport data
- Calculated estimated maturity date that should fall on the next payment
- Date of compilation and signature of the borrower
How to check if the loan is repaid?
If you repay the debt ahead of schedule directly at the lender's office, then after making the payment you need to ask for a certificate of full repayment of the loan and the absence of claims from MigCredit. This will be the main confirmation that the loan is repaid.
If you made a payment remotely, then on the date of the expected early repayment, you need to go to your personal account and check whether the funds were debited to pay off the debt.
If the payment went through and the loan is closed, you can go to any office of the company in your city and ask for a certificate of full early repayment. She will not be redundant.
You can check whether the payment went through by calling the company's toll-free phone number in your personal account.
What are the conditions for early repayment in MigCredit?
In both cases, the credit institution recalculates interest in proportion to the number of days of use. For example, if you took a loan for 26 days and repaid it after 10 days, then Migcredit will recalculate and accrue interest to you only for 10 days.
It also happens with long-term loans, but here it will not be possible to achieve significant savings, because the very first payments almost entirely consist of interest already accrued for the entire period. By repaying these installments, the client is literally paying interest, not principal.
Do I have to declare the purpose of the loan? Loans in MigCredit are issued for any needs. You can spend the loan amount as you wish. Do I have to provide any collateral when getting a loan? Loans in MigCredit are provided without collateral. Can I get the loan amount only in Russian rubles or in any other currency? We issue loans in Russian rubles. How to apply? How long will it take to process a loan? You can apply for a loan within 30 minutes at the company's office. Using the form on the site, you can apply online and literally within 1 minute get a preliminary decision on the possibility of obtaining a loan.
How to repay an instant loan early?
N 353-FZ "On consumer credit (loan)" What happens if I fail to repay the loan on time? If you are unable to make your loan payment on time, please contact your financial advisor for debt settlement. Where and how can I repay the loan? You can repay the loan through:
- From a bank card
- Cash through the money transfer system "CONTACT"
- Cash through LEADER money transfer system
- QIWI payment terminals, cash in Svyaznoy and Eleksnet stores
- Wire transfer to current bank account
- Redeem via Cyberplat terminal
What is the loan repayment period? The frequency of repayment of the loan depends on the type of product you have chosen: Repayment of a loan with a lump-sum repayment is carried out in one payment after the expiration of the loan term (from 3 to 30 days).
Cash loans
Attention
Remember that breaking the terms of credit does not lead to anything good. At a minimum, you may be charged with penalties, and at a maximum, you can be added to the Black List. In addition, strict observance of the terms of credit guarantees you high-quality repayment of credit debt, without "tails" from underpaid interest and commissions.
After paying off the loan with interest, do not forget to ask the Mig Credit MFI for a certificate of closing your credit account.
Migcredit loans - reviews
Conditions for granting loans in the company Migcredit
- loan amount: from 3,000 to 99,000 rubles
- loan term from 3 days to 44 weeks
- consideration of the application from 10 minutes
- for citizens of the Russian Federation who have reached the age of 21
- permanent registration on the territory of the Russian Federation
- issuance of a loan throughout Russia
- visit of a specialist to your home or office
Benefits of getting a loan at Migcredit
- Clients of MigCredit LLC are given a choice of several loan repayment options.
- No collateral and guarantor, and a simple loan repayment scheme.
- There is a system of discounts and bonuses for customers who have previously used the services of the company and paid off their existing obligations.
Migcredit/ migcredit
Choose a Bank up to 100,000 ₽ Rate: from 10% per month Age: from 18 to 70 Get a loan » Instant Credit up to 50,000 ₽ Rate: from 13.8% per month Age: from 21 to 80 Get a loan » 30 000 ₽ Rate: from 18.9% per month Age: from 18 years to 75 Get a loan Ilyana asks, Voronezh, Voronezh region 2 years ago Hello! I took a loan in the Instant loan. I want to pay off ahead of schedule, but the bank told me that I need to warn a month in advance, and then they will decide whether it is possible or not. Are their actions legal? You still have to pay for a month.
As I understand it, it is necessary to repay ahead of schedule the amount that I took and more interest for the whole time.
Having received money from the MigCredit MFO, borrowers often ask the question: is it possible to repay the loan ahead of schedule, and what is needed for this? How are things going with early repayment at the MigCredit MFI?
The best loan offers:
The best loan offers:
How to pay the debt ahead of schedule?
The desire of the borrower to repay the debt earlier than the term specified in the contract is due to the opportunity to save on interest and get rid of debt obligations as soon as possible. It should be noted that each credit institution is interested in a longer period of using the loan, therefore, sometimes the client encounters certain difficulties in repaying the debt earlier than the period established by the agreement.
In order to find out the position of MFI "MigCredit" regarding the early repayment of the debt, it is necessary to study the contract in detail, which should specify the payment procedure, including information on early repayment.
In most cases, microfinance institutions allow you to repay the loan in advance, but require that the borrower notify the company about this 30 days before the planned payment date.
In this situation, the problem lies in the fact that microcredits are issued for 30 days, therefore, having received money in debt, the client must immediately notify the financial company that he will make a loan ahead of schedule, but after 30 days it will already be a mandatory repayment.
Important! federal law"On Consumer Loan" establishes the right of the borrower to repay the debt within 14 days from the date of receipt of the loan without a written notice to the lender with payment of interest for the actual period of use of the money.
If the MFI refuses to accept funds when the client pays the debt ahead of schedule, motivating its refusal by the fact that it did not receive a written notification, then the actions of the organization in this case will be illegal.
In addition, if the company refers to an agreement that specifies a longer period for notifying the creditor of the intention to repay the debt earlier than the date established by the agreement, then the agreement in this part is contrary to the law and, therefore, is not enforceable.
After analyzing the norms of legislation regarding the early repayment of debt, we can conclude that if the borrower decides to pay the amount of the loan to the MigCredit company within 14 days from the date of its receipt, then he can do this in any most appropriate way, without informing the company and paying interest for only the time of actual use of the loan.
Before depositing money, you should ask MFI "MigCredit" to recalculate the amount that is payable, taking into account its repayment ahead of schedule. But you can also independently recalculate the interest for using the loan for the actual use of money. To do this is quite simple: the loan amount must be multiplied by the amount of interest per day and the resulting number multiplied by the number of days.
Loan payment options
MFI "MigCredit" provides its clients with the right to choose how to pay the debt. The company offers the following options for depositing funds with instant crediting and without charging a commission:
- in the salons of Svyaznoy;
- through the payment system Contact, Leader;
- at Cyberplat, Eleksnet, QIWI terminals;
- on the website of the company "MigCredit" using a bank card.
For all methods of transferring funds, you must know the number of the loan agreement.
Important! When paying with a bank card, you should pay attention to the fact that the payment must be made from a card belonging to the borrower.
Payment can also be made at any branch of the bank. However, it should be borne in mind that the term for crediting funds to the creditor's account with this method can be 1-5 days.
In addition, it is possible to charge a commission at the rates set by the bank. Typically, the commission is up to 3% of the deposited amount.
Applying for and getting a loan is very easy. To do this, you need to fill out the application below. The service will automatically calculate the probability of approval and select the best offers for you.