Все Финуслуги - кредит, вклады 3.0.14

The application "All Financial Services - Loans, Deposits" serves as an aggregator of banking and microfinance organizations (MFOs) offering deposit accounts, loans, and credit products under accessible terms. It provides users with information about available financial products, their conditions, and methods of fund receipt (cash, card), thereby simplifying the process of searching and comparing options.

The primary objective of the application is to streamline the search for financial services, eliminating the need to visit multiple websites or physical offices. It gathers information from publicly available sources, enabling users to compare different financial offerings and select suitable credit products.

It is important to note that the application is not a bank, lender, or financial organization itself; it does not issue loans or credits directly and operates without a licensing requirement for providing such services. The app is not an official product of institutions like Sberbank, Moscow Exchange’s Finuslugi, or Alfa Bank.

Key functions and features include:

• Comparison of financial services:
  • Searching available offers from banks and MFOs
  • Filtering by loan amount, term, interest rate, and method of fund receipt
  • Comparing conditions such as interest rates, durations, and hidden fees
• Information about financial organizations:
  • A comprehensive list of banks and MFOs in Russia with detailed profiles
  • Contact details, ratings, licenses, and user reviews
  • Descriptions of available services including loans, credit cards, and deposits
• Personalized suggestions:
  • Recommendations based on selected loan amount and term
  • User preference-based tailored suggestions
• User ratings and reviews:
  • Feedback and comments from other users regarding banks and MFOs
  • Reliability comparisons among banking institutions
• Financial advice and informational resources:
  • Guides on choosing advantageous financial services such as loans and credits
  • Articles on finance management, credit history, and debt control

The application covers popular financial instruments including:

• Loans
• Microloans
• Online loans
• Deposits
• Mortgage loans
• Auto loans
• Payday advances
• Credit cards
• Debit cards

The service integrates data from numerous Russian banks and financial aggregators, sourcing information from reputable organizations such as:

• Moscow Exchange’s Finuslugi platform
• Sberbank Online
• VTB Bank
• Gazprombank
• Alfa Bank Online
• Tinkoff Bank (Tinkoff)

Distinctive features of the application include:

• A comprehensive database of all Russian banks and MFOs in one place.
• Time efficiency through rapid access to optimal financial offers.
• Objectivity: the app refrains from advertising specific institutions, presenting unbiased information instead.

The database provides loan proposals with interest rates ranging from 9.5% to 36% annually over terms from 3 months up to 30 years. Conditions vary across providers; for example, interest rates may span from 5.99% to 30% per annum with repayment periods between 3 months to 15 years.

An illustrative example: for a loan of 350,000 rubles over three years at an interest rate of 9% annually, the total repayment amount would approximate 400,716 rubles with a monthly payment of around 11,131 rubles. Penalties for late payments typically range between 0.05% to 0.2% of the overdue amount per day.

The terms and duration for loans typically include a minimum repayment period of 61 days and a maximum of 365 days. Interest rates are set between 0% (for minimal or promotional offers) up to 36% annually.

The calculation methodology for loan costs involves an initial interest-free period of fifteen days (0% daily rate), followed by a variable rate applicable over the remaining period.

For example: a loan repayment calculation for a 15,000 ruble amount over 100 days at an annual rate of 36% would include accrued interest of approximately 1,470 rubles, resulting in a total repayment sum of around 16,470 rubles.