Виды онлайн кредитов


С каждым годом все больше людей стремятся получать кредиты, так как кредиты предоставляют возможность купить нужные вещи за короткое время. Также в последнее время новый вид кредитов обретает популярность – это онлайн кредиты. Онлайн кредиты позволяют людям получить нужную сумму, не выходя из дома. Нужно отметить, что такой кредит может взять тот, у кого есть активный электронный кошелек, такой, как Webmoney. Многие банки и кредитные учреждения предлагают населению кредит онлайн на счет. Такие кредиты разделяются на несколько виды в зависимости от объема получаемых денег. Условно онлайн кредиты делятся на 4 вида, каждый вид отличается своими особенностями.
Один из видов онлайн кредитов является микрокредиты. Объем такого кредита может составлять до 20 долларов и он выдается на маленький срок, также этот вид онлайн кредита отличается высокими процентами. Со стороны может казаться, что можно заработать, предлагая такие кредиты. Но дело в том, что в этой сфере можно встретить много мошенников – они берут кредит, но ее не возвращают. Но есть и положительная сторона у такого вида кредитования – микрокредит можно взять легко. А в просторах интернета можно найти много сервисов, которые предлагают кредиты. Их можно взять, если имеется формальный аттестат.
Простые или обычные кредиты – это кредиты, которые выдаются для онлайн покупок в интернет магазинах. Сумма такого кредита может составлять примерно 20 — 100 долларов. Проценты такого вида кредита составляет 8 – 10%.
Кредиты среднего размера
Сумма такого кредита варьируется в диапазоне 100-1000 долларов, можно отметить, что проценты в данном виде немного ниже и может составлять 5 – 12%. Кредитные организации, которые выдают такие кредиты, сотрудничают с коллекторами и адвокатами, так как случаются отказы от возврата и другие мошенничества.
Крупные кредиты
Нужно отметить, что такие кредит не выдаются часто и это связано с высокими рисками. Сумма кредита составляет выше 1000 долларов, получатель должен иметь достаточный уровень доверия. Такой онлайн кредит выдается тем, кто планирует открыть бизнес или намерен стать совладельцем бизнеса. В некоторых случаях, проводится встреча и подписываются соответствующие документы.


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