“Photo: pexels.com The financial market, adapting to the needs of Ukrainian consumers, is constantly changing. One of the trends is the increase in the popularity of microcredes, that is, fast loans that can be made remotely. This format of lending was so simple that many Ukrainians began to give him an advantage over traditional banking products without thinking about the consequences. Meanwhile, according to the OPENDABUTT, the debts of Ukrainians by microcredits […]”, – WRITE: Businessua.com.ua
Photo: pexels.com
The financial market, adapting to the needs of Ukrainian consumers, is constantly changing. One of the trends is the increase in the popularity of microcredes, that is, fast loans that can be made remotely. This format of lending was so simple that many Ukrainians began to give him an advantage over traditional banking products without thinking about the consequences. Meanwhile, according to the OPENDABOT, the debts of Ukrainians by microcredites increased 1.7 times, and the average loan last year was 6217 UAH.
Briefly about – about the danger of these available loans.
Maximum accessibility The main advantage of microcredit organizations is the simplified procedure for loan. To get money online, you need:
- have a smartphone with Internet access;
- fill in the questionnaire;
- tie a bank card;
- activate the account with the use of documents.
Such credit services work online around the clock without a weekend, so you can get money on a holiday, at least at night.
Supporters of the micro -loan assure that the simplicity provided in emergency situations is an ambulance. But we will be realists: in fact, in most cases, no “emergency” is discussed. And the main plus is that such loans are given to those clients who would receive a 100%refusal at the banking institution.
The fact is that when you seek micro -location, a person does not need to provide a certificate of income or search for guarantors. Potential “microcreditors” assure that they can provide funding for students without official employment, and pensioners, and people with non -ideal credit history only “based on the analysis of the data provided”. In fact, the whole “analysis” is often to make sure that the debtor has someone to pay. Very often, he does not even go to pay, and both sides understand it perfectly.
-In 2020-2022 I survived a solid horror,-says Oksana Kyiv. – My brother took micro -loans, lost money in gambling machines, and I had to give my debts. Collectors began to call when the debt with percentage was almost 80 thousand UAH, although they borrowed twice less. I gave that money and wrote a letter demanding that my brother would not be given a debt. But three months, collectors again came to us – a new debt and new interest. And he took the money in the same organization! By February 2022, the brother’s debt grew to 110 thousand UAH. Collectors called both day and night, threatened, the amount grew. I was already on the verge of a nervous breakdown, but I refused to pay, because I warned that I had no such money and asked not to give my brother a loan.
Now Oksana’s brother is on the front. Calls after the promises to contact the police and the Tax Code (and it is unknown that more of the collectors) stopped, but the debt continues to “hang”. And what the story will end is still unknown.
The number of loans issued from 2020 to 2024. Illustration: Opendatabot.ua
Only numbers For 2024, Ukrainians have issued 8.3 million microcredes by almost UAH 52 billion, writes Openatbot, referring to the data of the National Bank of Ukraine. This is 27% more than in 2023. The average amount of micro-loans increased by more than a quarter: if in 2023 the average amount was 4926 UAH, then last year it was already at the level of 6217 UAH.
On average, microcredit organizations issued 693 thousand loans a month, and most of the debts were scored in the third quarter: about 729 thousand loans per month. At the end of the year, they began to borrow less, and even began to close the accumulated debts.
However, in general, debts only increased. For the first three quarters, the debt on microcredes doubled: from UAH 9.3 billion, it increased to UAH 18.47 billion. At the end of the year, the debt reduced by UAH 2.7 billion, but the overall picture did not help to improve it: the debt of Ukrainians to the MFI at the beginning of this year was UAH 15.77 billion. It is 1.7 times, or by UAH 6.47 billion, more than in the early 2024.
The average micro loan in 2024 increased significantly. Illustration: Opendatabot.ua
Road one way The speed of registration of the micro -loan and the ability to get money without collecting documents, the search for a guarantor and waiting in queues are more than offset by high interest rates of MFIs and much lower than it could be obtained in banking institutions. Usually, microcreditors can borrow a maximum of 25-40 thousand UAH.
The activity of microfinance organizations is regulated by law, controlled by the NBU, and each legal MFI is licensed. The lobbyists of the micro -loan insist that everything works by law, and the terms of the lending are clearly stipulated in the contract, which the client signs an electronic signature or with a special code with SMS. And if the client read the contract inattentively or did not even read at all, then his problem. And here you can not doubt: inattentive problems will really be, and considerable.
Microposes in Ukraine offer dozens of microfinance organizations at the interest rate “from 0.01%”. But, first, it is a percentage a day, and a year will be 365 times more-3.65%. Secondly, it is only a percentage on the first loan, then there will be much more. And finally, the devil is hidden in details, namely in the word “from”. And in fact, even with such pleasant promises, interest can be anything.
A real annual interest rate – RSPS, which ranges from 1200 to 13 470% per annum! It’s crazy money. For example, if you take UAH 20 thousand at 1200% per annum, then a month will have to pay up to 40 thousand UAH, and if under 12,000% per annum, then only within a month the debt will increase to 220 thousand UAH.
According to the opinion Economist Vladislav Bankovmicro -loans is a concentrated evil, and for a large part of clients it is one way.
– This is an eternal debt bond that is almost impossible to get out of, – the economist said in a comment Briefly about. – Unreal interest rates and space penalties lead to a significant proportion of non -return, undermining the entire lending direction that has almost died in Ukraine. Regarding the growth of credit obligations, it is a clear indicator of impoverishment of the population, especially in the context of rates. People were found They are on the verge of survival, and it is in such conditions that some fatalism appears.
In 2024, Ukrainians owed 15.77 billion UAH for microcredites. Illustration: Opendatabot.ua
Source: kp.ua
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