Get a webmoney loan with an initial passport. Loans on WebMoney with a formal certificate. How to order and borrow money
In everyday life, everyone knows about loans, in general. Recently, they have become widely used in many areas of business and everyday life. Mortgage lending, auto lending, the purchase of household appliances and computers, and much more that are now often taken on credit, not to mention the direct loan of money. Even if a person himself has not yet taken loans, then the possibility of taking a loan is taken into account. Life on loan, like everything else in the world, has its pros and cons, but everyone should decide for himself. Possibility to take in online loan also exists and recently more and more people are starting to use this opportunity.
Take WebMoney on credit
There are a number of sites offering Webmoney loans, each of them has its own characteristics, pros and cons.you can take a loan up to 1000 wmz to citizens of Russia, Ukraine and Belarus, including if there is a debt on the C wallet. Compensation for early return. Reduced interest on the first loan.
Automatic credit system. In case of early repayment of the loan, it returns interest for "unused" days!
You can take a Webmoney loan, regardless of the BL and the age of the personal certificate. Provides money even if there is a debt on the C wallet. There is an option for an interest-free loan.
Credit machine WMCoin.ru - issues instant express loans for all WebMoney users with a personal passport and a business level of 10 points, including those with debt on a C wallet. Amount up to 10,000 WMZ (with low borrower parameters, the amount is much lower), term 10 - 120 days.
Credit service. In addition, it exchanges electronic currencies, as well as input output.
The system for obtaining loans WebMoney. Early refund compensation. Payment for the actual time of using the WebMoney credit. If you repay the loan ahead of schedule, the service will compensate you for the early repayment.
automatic credit service.
A p2p exchange has also been added to the credit machine. There, lenders put up their loan offers, and borrowers choose the best ones.
automatic credit service Webmoney.
online loans in Webmoney not only in WMZ but also in WMR. It also provides a loan in case of debt on a wmc wallet. The amounts provided by this service are not very large.
a credit service that allows you to instantly receive Webmoney loans for owners of personal and higher passports without checking the debt. Registration term in Webmoney, credit history does not matter.
credit machine WebMoney.
Credit exchange Webmoney.
Get a Webmoney loan with a formal passport
To obtain a loan in the services described above, as a rule, you need a WebMoney certificate not lower than the initial or personal one, although it is possible in some way you will receive a formal one. If you have a formal Webmoney passport, see first of all the credit services presented below. Although do not count on a normal loan amount with a formal certificate, get a higher certificate.
Credit machine. It issues loans not only to people with a personal certificate, but also issues money according to trust limits, to people with a formal WebMoney certificate.
Debt service WebMoney, it is possible to get a loan with a formal certificate.
Get a microloan
Take a consumer loan
There are other sites that offer loans online, but these are the largest and most used loan systems. In these systems, you can get a loan at a relatively low percentage. I want to note that the interest at which you can get a loan online is much higher than the interest at which you can get money in everyday life. This is associated with higher credit risks, as well as additional costs when transferring money (commissions of the Webmoney payment system).
The essence of the loan
Webmoney credit
The credit machine and the credit exchange are automated system lending. Unlike the one described above, where a potential borrower submits an application, and the lender selects trustworthy applications. In this system, on the contrary, lenders add applications and parameters under which you can get a loan for this application. The number of applications submitted by one creditor is not limited. The borrower chooses the optimal offer from all the offers available to him.
Loan offer parameters: percentage, minimum and maximum loan term, minimum and maximum loan amount, minimum passport level (initial or personal), minimum business level value (BL), minimum certificate age (measured in days), maximum debt on the borrower's WMC wallet , the maximum number of claims on the passport (if you put -1, it is not checked), the content of the loan agreement accepted by the borrower before receiving a loan. And some other parameters, for example, you can specify one (list) WMID only for which this loan offer is valid, or vice versa, specify one (group) WMID for which this loan offer does not apply (Blacklist).
To get a loan, go to the service. You will see a list of all loan offers currently available to you (more precisely for your WMID). The list is sorted by percentage from smallest to largest. Choose the loan offer that suits you and click apply. You get a loan after automatic registration within a few minutes. At the same time, choose the most suitable ranges of the amount and term of credit indicated in the loan offer.
- The amount of return on this credit exchange consists of the following parts:
- interest rate for a loan;
- WebMoney commission compensation 0.8% per transaction for transferring the loan amount (0.01 wmz (one cent) from the transfer amount 1.25 wmz);
- WebMoney commission compensation 0.1% for operations with WMC \ WMD wallets (0.01 wmz (one cent) from the transfer amount of 10 wmz);
- Deptum exchange commission 0.8% (0.01 wmz (one cent) from the loan amount 1.25 wmz)
Above the list of loan offers, there is a box that says show all offers. If you click on show all offers, then you will see all the offers of lenders. This can be useful for the analysis of loan offers, calculations for the future. It is possible that some loan offer almost matches and you will be able to use it soon. For example: The minimum age of the certificate specified in the loan offer is 90 days, and your certificate is 88 days old, respectively, in two days you will be able to use this loan offer. Naturally, if other parameters correspond.
Get a Webmoney loan
Credit machine. Various types of loans are available: Micro loan, express loan, People's loan, credit line. Cumulative system of discounts. You can invest money at good interest on the trust limit (TL).
debt service WebMoney. Allows you to lend or borrow money in the WebMoney system. This is the only credit service now where people with formal certificates can be participants in lending. Moreover, having a formal passport, you can both issue and receive WebMoney money on credit. Although you must understand that those who want to lend money to a person with a formal passport are extremely rare and they require guarantees of return. Naturally, the words are not a guarantee of return; a guarantee can be, for example, shares of liquid exchange machines. Basically, loans to people with a formal passport are issued only by those who know the owner of this certificate personally.
To receive money through the WebMoney debt service, you must have . You can ask you to set trust limits for your correspondents. The greater the number and amount of trust limits confirmed by the availability of money from the principal, the more value TL for a specific WMID. The general level of trust limits set for a given WMID, confirmed by the presence of WMZ, is determined by the TL parameter. You can borrow money in parts on days convenient for you and for suitable periods, within the amounts and terms established for you in the trust limits.
The system does not take additional commissions, only the usual one when transferring money in the Webmoney system 0.8%. Entrance to the debt service is the usual authorization by WMID.
At the moment, there is no minimum loan term parameter among the set parameters of the trust limit, perhaps in the future this parameter will be added. But if you want to take a loan for a very short period of time, first agree on this with the owner of Wmid, who has set a trust limit for you.
To provide an opportunity to borrow from you to another member of the Webmoney system, you must add it to the list of correspondents of the keeper. Then set a trust limit for it. By specifying the parameters: maximum loan amount, maximum term, percentage, WMZ wallet. Interest is indicated per day, so if during the negotiations you agreed on the amount of interest per month, then divide by 30. To receive a loan, your borrower must agree to your terms. Agreeing to the terms of the provided limit does not oblige you to take money on it, but only provides the opportunity to borrow money if necessary. If there is a trust limit, you can borrow within the established limits on any day.
Unlike others credit systems when lending through trust limits, the lender can return the funds before the end of the loan term, with the loss of all interest. It is better not to use this opportunity, except in exceptional cases.
As part of this debt service, a kind of exchange has been opened, the "Offers" section. On which those wishing to provide a loan, or vice versa, those who wish to receive money in debt submit their applications. The application specifies the desired amount (range of amounts), interest rate, term, certificate type and other conditions. For the convenience of finding a suitable offer, use sorting by columns (a second click on the heading name will reverse the sort order).
Online loans in WebMoney. Different types of loans are available: express loan, micro loan, credit lines. Accumulative system for reducing interest on a loan.
Automatic system for issuing loans. Loan amount from 5 to 10000 WMZ for up to 90 days. The interest rate and amount are determined by the system's automatic algorithm. Depends mostly on your business level (BL). Cumulative system of lowering the interest rate on loans. It is also possible to get a line of credit, but this is no longer automatic. To receive a credit line, you must fill out an application.
holders of certificates not lower than personal can receive a loan, the receipt of a loan is automatic. Any BL, any age of the certificate. It is possible to open a credit line upon request. Takes wmz for turnover, for limits.
Credit service. The Web-lender service provides an opportunity to receive loans online. Possible types of loans: Express loan, Mini loan, Credit line. Loans are issued automatically. straightaway. There are more requirements for a potential borrower and they are higher than other services. Most here get rejected.
To provide loans, a separate WMZ wallet is often created. Thus, dividing the money intended for lending and for other needs. Transferring money between wallets of the same type (in this case, WMZ) within one Wmid is carried out without commission.
Webmoney loan received
So you got a loan. At the same time, money will be sent to the WMZ wallet, and debt obligations to the WMC wallet, i.e. the amount you need to return. If you received a collective loan, then the WMZ wallet will receive the entire amount, and the WMC wallet will receive several lines of promissory notes, the number of which is equal to the number of creditors or a little more (one creditor can issue several separate amounts). Each debt obligation is your debt to a specific creditor, the amount of return to each of them is proportional to the amount of money invested by him. In addition to the WMC wallet, the list of your debt obligations will also hang in the "Inbox" tab of the keeper and will remind you of your loan.
Almost any time you get a loan, you can repay it ahead of schedule. If you have such an opportunity, then it is better to use it, it brings certain advantages. You can also repay the loan amount not in whole, but in parts.
How to return a Webmoney loan
Open wmc wallet. Double-click on the specific debt you want to repay. The "Expense. IOU NOT repaid" window will open, at the bottom of which there is a button "Return all or part of the debt". 
After clicking this button, the "Refund on credit operation" window will appear. 
In this window, you need to select a WMZ wallet (if you have several of them in this WMID). Next, the amount field in order to return the entire loan amount, click the entire loan amount, click max ... located to the right of the amount field, or enter the amount in the field yourself. If you are returning only part of the amount so far, then indicate the amount that you are ready to return. Press the "next" button, upon clicking which the loan will be returned. In general, pay attention to the background color of the fields in the opening forms. Fields that can be changed have a white background, as opposed to a gray background for fields that cannot be changed. Thus, you can immediately distinguish between information fields and value fields in which you can change. Moreover, this principle of white and gray background fields is valid for most applications written by professional programmers.
If you have problems with a refund related to the loss of WMC wallet data or the loss of access to the keeper. The first option, i.e. loss of WMC wallet data can be caused by some malfunctions or more often by reinstalling the operating system without saving Webmoney data. The second option, i.e. loss of access to the keeper is also usually associated with reinstalling the operating system. Some people cannot find the key files needed to activate the keeper after a system reinstall and start the process of restoring access to the keeper. In order to repay the loan in such situations, auto-debit is used. For auto-debit, it is necessary that by the time it is carried out, your WMZ wallet has an amount sufficient to repay the loan. If the amount is less, then the corresponding part of the loan will be returned. Auto-debit is carried out twice a day at 4:00 and at 18:00 Moscow time. Auto-debit for a loan occurs once in the near future (4:00 or 18:00) after the end of the loan period, if the amount on the wallet is sufficient. WebMoney will write off the amount of the debt and transfer it to the creditor automatically. Without special need, do not use auto-withdrawal, but return the loan before it ends.
Loans must be repaid strictly before the end of the loan term. If the loan is not returned on time, the keeper will be automatically blocked by the WebMoney system, BL will become equal to zero. Removing the blocking and restoring the business level occurs only after the full repayment of the loan. As a rule, the removal of blocking and the restoration of BL occurs within three days, although it can be longer.
The maximum amount of Webmoney debt obligations
The WebMoney system has introduced a limit on the maximum allowable amount of a loan (debt obligations), both for credit operations and for operations on trust limits (TL). The value of the maximum possible loan amount is determined individually for each WMID by the system algorithm. You can see it in events.webmoney.ru Services/Loans. When you try to take a loan or a limit when the maximum amount of debt obligations is reached, a corresponding message is issued about reaching the limit value of the loan amount.
Appropriate amendments were made to the rules of the system.
WMIDs whose total loan amount exceeded the maximum allowable value at the time the new rules were introduced were blocked from withdrawing funds from the system. And they cannot take money on a loan and a limit until they reduce the amount of debt to the level of the allowable value calculated by the system for their WMID (WMID).
There was also information that the WebMoney system will block WMID owners who have no other operations other than loan operations and refunds.
These new rules were introduced to prevent fraud based on the construction of financial pyramids in the WebMoney system.
For the vast majority of WMIDs using the WebMoney loan system, these new rules did not affect them in any way. Since the values of the maximum allowed total debt on limits and loans are very large and far exceed the level of loans that they use.
Webmoney credit is a great opportunity to quickly receive the desired amount to your wallet in the payment system through the execution of a loan agreement on previously agreed terms of the acceptors. All actions are carried out online. Of course, every loan that is issued by an exchange, machine or service is subject to risks associated with delay or non-repayment of the loan amount. Therefore, the conditions for obtaining microcredits will depend on the responsibility and financial stability of the borrower.
So why, in this case, loans on WebMoney are preferable to loans from well-known offices? Because there is no need to bring a bunch of different papers and on the Internet a microloan is provided in a very short time.
Ways to get a loan on WebMoney
To take a loan on WebMoney without refusal, you can use:
WebMoney loan exchanges are lending services where you need to make applications and wait for a response from lenders. With very large amounts of creditors, there may be several.
Debt service WebMoney DEBT - on it you can both issue and receive a loan on WebMoney with. True, the resource does not guarantee the return of loans, since it is not a party to the transaction.
Credit machines are services for obtaining money in debt in WebMoney, which are somewhat similar to MFIs. Perhaps the easiest and most profitable way to get a loan online on WebMoney.
Thematic forums and social. networks - the method is not the best, but it is appropriate when the WMID parameters do not meet even the most minimal requirements.
Microfinance organizations are services that allow microcrediting in WebMoney by transferring the selected amount to the wallet.
Credit exchange WebMoney
WebMoney credit exchanges calculate and accept loans through an automatic interface and apply the WebMoney Transfer credit settlement scheme.
On such exchanges, borrowers leave their applications and wait for lenders who will be ready to accept their conditions. If the amount indicated in the application is large enough, then there may be several creditors - this is called joint lending. You cannot enter the exchange with a small certificate level, which means that you can only take a WebMoney loan with. Information about the issuance of a loan is entered on the C purse, and debt obligations on the D purse.
What are the conditions
The main limitation is the financial stability and responsibility of the borrower. To understand whether it is possible to issue a loan to a particular person, the following data are studied:
How is the registration and receipt of money in debt WebMoney
To obtain a loan, the borrower must perform a number of actions:
- Create a debt WMC wallet. To register it, you need to follow the same steps as to create any other wallet, only in the drop-down list, select the "WMC" item. After that, you need to title it and put a bird in the “Agree” paragraph. This wallet was designed specifically for credit purposes.
It is impossible to delete it, because it will store information about all IOUs. - Go to the "Loan Applications" menu and create your own. At the time of its creation, you must specify the amount of the debt, the amount to be returned, and guarantees.
- When you have completed entering the data, you need to click on the "Create an application" button. And she gets into the general list, where anyone who has a certificate no lower than the initial one may be interested in her.
- After the application is approved, a WMR, WMU, WME or WMZ loan is credited to the borrower's wallet. At the same time, the creditor's D-purse receives a debt obligation equal to the amount of the debt repayment.
The money is credited to the borrower's account as follows:
- the creditor transfers the full or partial amount from his Z-purse to the Z-purse of the exchange. The agreement is drawn up with protection, the term of which is equal to the validity of the application and two additional days;
- if during this time the full amount of the loan requested by the borrower is accumulated, then the protection code is entered. The money is transferred in full to the account of the borrower;
- if during this time the required amount is not collected, then the application is deleted. In this case, the protection code is not entered, and the money is returned to the creditor's account.
How is the payment of debt in WebMoney
Borrowing on WebMoney is only half the battle, it will still need to be returned on time, for this you should take the following actions:
- go to C-purse;
- find the outstanding loan and click on the "Repay loan" button;
- in the form that opens, enter the number of your Z-purse and the amount of repayment. It can be full or equal to the amount available in the wallet;
- click the "Submit" button.
Thus, the specified amount is sent from the debtor's Z-purse to the lender. At the same time, the size of WMD and WMC on wallets D and C is reduced or reset to zero. The debt is considered fully repaid only when the debtor has fully returned the due amount to the creditor.
How to borrow in WebMoney through a credit exchange (video)
WebMoney loan with a formal certificate
Not all clients of the WM payment system want to issue initial and personal certificates. These individuals are engaged in earning money on the Internet without investments, and therefore are not going to spend their WMZ funds.
Accordingly, the main part of the services, namely credit machines and loan exchanges, are not available to them. But as they say, if there is demand, there will be supply. Therefore, special debt services have been created for such clients, where you can get a loan on WebMoney with a formal certificate. These include the DEBT service and Microfinance Organizations (described below).
WebMoney loan with debt
Those borrowers who could not repay the WebMoney loan on time, for one reason or another, can expect to receive a new loan. The main thing is that the following sanctions should not be applied to them:
- complete blocking of the ID code in the system;
- partial restriction on the management of Keeper electronic wallets;
- a decrease in the level of BL activity, down to zero.
One of the most important conditions is the absence of WMID in the emergency situation of the credit service where the client wants to take a WebMoney loan.
Such clients can use the following services:
- credit machines;
- microfinance organizations.
List of credit services and machines
Credit services and machines for WebMoney are the easiest and most profitable way to get a WebMoney loan, an express loan or open a trust limit (similar to a line of credit).
Your attention is a list of machines that issue WebMoney money in debt:
| Machine name | Useful information | Registration |
| ||
| ||
| ||
| ||
|
We bring to your attention an article about Webmoney lending. After reading the material, you will learn: what is WebMoney, how to get a loan with debt and with a formal certificate, what are the online services for issuing WebMoney loans.
What is WebMoney?
WebMoney Transfer- the largest international system mutual settlements, which is the main environment for network business. For more than 15 years of successful work, 26 million people around the globe have joined the system.
The WebMoney system has services that allow you to keep records, exchange settlement funds, resolve disputes, conclude transactions, the guarantor of which is the WebMoney system.
Credit WebMoney online.
There are internet services issue WebMoney loans automatically. We suggest you familiarize yourself with the list of services that will allow you to take a WebMoney loan:
If you need a loan not for WebMoney, but for a card, then you can take it.
Before receiving credit funds in the services of the WebMoney system, the borrower must familiarize himself in detail with " Title units loan agreement". By signing the above document, the recipient of the loan draws up an analogue of an IOU.
If a credit default occurs (the borrower is insolvent), civil liability comes into force, which gives the creditor the right to demand compensation for the damage caused through the court. In such a situation, the WebMoney Transfer system will provide the lender with a package of documents that confirm the identity of the borrower and the fact of operations under the loan agreement.
How to open Webmoney credit wallet (C-wallet)?
The procedure for opening a credit wallet is simplified as much as possible and will take a potential borrower a minimum of time. The client must issue a debt WMC wallet.
To create it, go to the WebMoney program menu and select the "Wallets - Create new" item, select the "WMC" item from the proposed list. This type of wallet was created specifically for making purchases on credit. Next, it should be titled and ticked in the "Agree" box.
It is impossible to delete the wallet, it will store information about the recipient's IOUs. Lending system WebMoney has some differences from the usual bank lending. The main currency of the WebMoney Transfer payment system is WMZ, electronic dollars. For a beginner, this currency may be somewhat unusual.
WebMoney loan with a formal certificate.
There is a certain group of payment system customers who do not want to issue initial and personal passports. These are people who earn money on the Internet without investments and do not intend to spend their WMZ funds.
Most of the services for such users are not available. We are talking about credit machines and the exchange of loans. The debt service DEBT, which offers its services to holders of formal certificates, suggests that loans for a small amount are still available to them. So if you need Webmoney loan with a formal certificate, then you should refer to DEBT.
Webmoney loan with debt.
Users who, for a number of reasons, failed to pay off the loan online on time, are not deprived of the right to apply for a new loan, provided that such sanctions have not yet been applied to them:
- complete blocking of the identification code in the system;
- limiting the management functions of Keeper electronic wallets;
- decrease in the level of BL activity to zero.
An important condition is the absence of WMID in the black list of the credit machine in which the user plans to issue new loan. In this situation, the wallet owner can use the services of another service.
Greetings, dear readers of the Rabota-Vo.ru blog! Loans are becoming more and more in demand, people are willing to take small amounts. But you can also get a loan online. It's not about filling out a preliminary online application for a loan on the website of a broker or bank.
Loan on WebMoney on the credit exchange
Another service for issuing Webmoney loans is a loan exchange. It is aimed more at entrepreneurs than at ordinary users.
To use the exchange, you need an initial passport - a kind of status in the system. It costs 1-5 WMZ. To complete it, you must either personally meet with a WebMoney representative to verify the data, or replenish your wallet on the site perevod.webmoney.ru, where Money transfers .
The initial certificate gives additional opportunities. It is needed by those who run their own business in the global network. Those who use Webmoney only to pay for services, goods, to receive money from customers when remote work, this level is useless.
On the exchange, creditors are also ordinary participants. An important advantage of the service is the possibility of obtaining collective loans. This allows the borrower to take out a large loan on one application. The system itself will select several creditors for him and distribute the required amount between them.
How to get a loan on a credit exchange, it is written in instructions on the official site.
Available online loans through Webmoney credit machines
Simple and pretty profitable way getting an online loan are considered credit machines. These are services that do not belong to Webmoney, they simply issue funds automatically through this system.
Gcb24 is one of the first credit machines that has been operating since 2007. Can issue a maximum of 1000 WMZ. For holders of personal certificates and any BL.
Sairoscredit is a large service that has been operating since 2010. Recalculates interest on early repayment, takes into account reputation (credit history). For holders of personal certificates and any BL.
Credit4me is a new but popular machine that has been operating since 2012. Recalculates interest on early repayment, takes into account credit history. Can issue a maximum of 1000 WMZ.
WMcasher is one of the most popular automatic services for exchanging WebMoney and issuing loans, it has been operating since 2008. Provides large loans to those who meet fairly stringent requirements.
DemonCredit is a young but very popular credit machine that has been operating since 2011. Specializes in small loans (1-100 WMZ). Allows early repayment with recalculation of interest.
Credit machines offer different conditions. Which one to use is up to you, of course. It is important that he:
Had an adequate technical support service;
Supported the function of recalculating interest in case of early return;
Take into account a good credit history (it allows you to reduce interest, increase the available amount and terms).
Many machines work only with the owners of initial or even personal passports. This requirement is, in general, standard. It is presented even by some companies that are ready to issue urgent microloan to Qiwi wallet, although this system is famous for its loyalty. If you do not want to issue a passport, just select a service where there is no such requirement.
And this information will certainly be of interest to webmasters. Almost every credit machine has a favorable affiliate program, they pay an average of 7-10% of the income from attracted users. True, there is a nuance. To become a partner of a fairly large and popular service, you need to get a personal certificate.
How to get a Webmoney loan with a formal passport
Many do not want to issue an initial and, moreover, a personal certificate. For some, this is a matter of principle. Those who try are not going to spend their WMZ on it.
But they can still take small WebMoney loans. Of course, many services will remain inaccessible to them. For example, the credit exchange and most credit machines. The DEBT debt service and some automated services work with holders of formal passports:
SaveCredit is a young service that has been operating since 2012. It offers interesting programs for holders of formal certificates, on-lending, early repayment with interest recalculation.
The Trancher service has been operating since 2012, but has already gained great popularity. Issues small loans. One of the few who works with formal certificates.
True, in order to get a Webmoney loan with a formal certificate, it is necessary that he had a certain age (usually 3 or 6 months). BL (activity level) also matters, which should be as high as possible (usually from 20-30 points). The maximum loan amount for borrowers with formal certificates is usually 10 WMZ, and the conditions are not very favorable (large interest, short term).
How to get a WebMoney loan with debt
Users who have not paid online loan on time, they also have a good chance of getting a new loan. The main thing is that the following sanctions have not yet been applied to them:
Decrease in BL (activity level) to zero;
Complete blocking of WMID (identification code in the system);
Restriction of Keeper (electronic wallet management software) functions, allowing it to work only "for receiving".
It is also important that the debtor's WMID is not blacklisted by the ATM where the person expects to receive a loan. However, this will not prevent him from using some other service, of which there are many:
The Fastlend credit machine has been operating since 2011. Offers profitable terms, is loyal to the presence of overdue debts in other services. To get a loan, it is enough to have an initial certificate.
WMBank is a new service that offers several profitable online loan programs. Works with those who have debt on loans. To get a loan, you need a personal certificate.
True, only the owner of a personal certificate can get a loan with a debt. The exception is the fastlend.ru service, which works even with those debtors who have only an initial passport.
As you can see, getting a loan in Webmoney is not very difficult. The main thing is not to exceed your capabilities. On this I would like to wish you success and good luck. See you soon on the Rabota-Vo.ru blog pages!
Electronic payment system WebMoney is known to many Internet users. This system allows you to store your savings in a personal account, pay for purchases in online stores and other services. But the main difference between WebMoney and other payment systems is that here every registered user can receive borrowed funds without contacting a banking or microfinance organization. In this article, we will consider how you can get a loan with a formal Webmoney certificate.
What is a formal certificate and how to get it
It is worth saying that a loan to users of the electronic system is available only after a formal certificate is issued. This is a kind of confirmation of your financial account documented. Among other things, by confirming your identity, you can significantly expand your capabilities in the system, namely, increase the limits on storage and transfers, as well as money transfers.
So, let's answer the question of how to get a formal certificate in order to discover the opportunity to use the credit services of the system. Open your account and in the top menu bar find the link "Certification" and click on the line "Get a passport". On the new page, you will be asked to select the certificate that you would like to receive, in our case it is a formal one. Next, you will be required to take photos or scans of your passport, they will need to be uploaded and sent for verification.
Please note that the application for a formal passport is considered within 5 minutes, after which you will be able to use additional services electronic service.
The electronic payment system allows its users to use two methods of borrowing:
- loan processing through a credit service;
- borrowing from other users of the system.
Debt service
This is a kind of financial mutual assistance service, that is, users of the electronic system can lend money to each other. Loans are available to holders of a formal passport. By the way, every owner of an electronic wallet can use the service both as a lender and a borrower.
The conditions for lending funds are flexible, they are determined directly by the lender. On this service, you can choose a loan in the list of offers made by users thanks to convenient system Search. In order to understand as correctly as possible how to get a loan for Webmoney, we will give a step-by-step instruction:
- open a personal account in the system or follow the link https://debt.wmtransfer.com/ ;
- an online calculator opens in front of you, in which you can specify the loan amount in Russian rubles or US dollars, for this you need to select the title unit WMZ or WMR, respectively;
- Next, you need to specify the term of the loan you are interested in and interest rate;
- Finally, the automatic system will calculate the amount of funds to be returned for you.
After the actions you have taken, the system will give you a list of applications suitable for you. If none of the offers suits you, then you can click the "Create a loan application" link and place an ad yourself. Similarly, it can act as a lender, that is, place its ad for the issuance of borrowed funds.
Please note that in this case, the system is not a party to the contract and cannot guarantee timely repayment of borrowed funds, so the lenders bear the risks.
If in the list of offers issued to you you have found one that best suits your financial needs, you will need to click on the line and respond to the ad. But on this, the process of applying for a loan will not be completed until the lender considers your candidacy and approves the loan, only after that the funds will be transferred to the wallet you specified.
Pros and cons of debt service
Each borrowing method has its advantages and disadvantages. Unfortunately, the WebMoney system is far from perfect and has some of its drawbacks, but they consist in the fact that there is no guarantee of a positive result. That is, creditors make a decision and can provide borrowed funds, or they can refuse. At the same time, not all loan proposals are beneficial for the borrower; sometimes lenders set a high annual interest rate and short loan terms here.
If we talk about the benefits, then the user of the system has the opportunity to receive credit funds without leaving home and in a short time. To do this, you just need to issue a formal certificate, the process itself will take only a few minutes. Among other things, there are quite a few offers here and it is always possible to find a profitable one for yourself.
Please note that for each borrower in the WebMoney system, his credit history is formed, that is, the record of how timely he fulfills his obligations. And here it is impossible not to mention one important detail that the repayment of the loan must be carried out through the system, a simple transfer from the borrower's wallet to the lender's account is not considered the repayment of loan obligations.
Credit service
You can take a loan with a formal Webmoney certificate on a credit service, the principle of customer service here is somewhat different from the previous version due to the fact that the electronic payment system itself acts as a lender here. There are a number of basic requirements for users here. First of all, it should be taken into account that the maximum loan amount will be equal to 300 WMZ, Z wallet is a certificate for the purchase of goods and services of suppliers from the megastock.com catalog, the title character is equivalent to the US dollar exchange rate.
In fairness, it should be noted that loans are available to all users of the system who have a formal passport. But still there are some limitations, namely, this is a score for assessing the borrower's parameters on a certain scale. In the WebMoney system, each user is assigned a BL rating. It is he who determines the reliability of the counterparty. The higher the score of the user, the higher his activity and reliability in the eyes of the electronic system.
Thanks to him, the degree of trust in the issue of borrowing is determined. BL points are awarded for the following actions:
- activity in the system, the more often users visit the account, the more points it is assigned;
- the period of use of the electronic system, the longer the client is registered in the system, the greater the degree of trust in him;
- lack of negative reputation, if the user has not received any complaints, and he does not have negative comments, then he is assigned a point;
- money transfers and transaction amounts, the more often a user makes any payments in the system or stores his own savings here, the greater the degree of trust in him.
Please note that in order to receive a cash loan to the WebMoney system, the user's rating must be at least 15 points, you can see it in the Personal Account Certification Center.
Let's analyze in more detail how to get a loan on WebMoney with a formal certificate through a credit service. To do this, you will need to follow the link https://debt.wmtransfer.com/ again, and then click here on the line "Quick loan in two clicks". After that, you will have to accept the terms of the system, which will automatically calculate individual terms of cooperation for you, depending on your score and other data.
Further, the system will give you an offer for issuing loans with individual conditions for the maximum loan amount in dollars, as well as the term of the agreement and the interest rate for each day. If you agree with the terms of borrowing, then you need to click the "Accept offer" button and after a new window opens, agree to the terms. At the next stage of applying for a loan, you will need to confirm your consent with a password from an SMS message.
Before you receive funds, be sure to read the terms of cooperation, the system will give you electronic contract after confirmation from SMS message. It should be borne in mind that from the WebMoney website you go to the Paymer resource, which presents the possibilities for obtaining an express loan. Here you will need to re-confirm your intention to apply for a loan with a code from an SMS message, loan cash will be transferred to your wallet. It will be possible to repay the loan in a personal account the entire amount at a time.
Thus, users of an electronic wallet can borrow borrowed funds from the WebMoney system. This greatly simplifies their task when they need borrowed money urgently. The main requirement for a loan is its timely repayment in order to raise your rating in the future and count on financial assistance again and again. By the way, borrowed funds can be spent not only within the framework of the electronic payment service, but also to make transfers to bank card or display them in any other convenient way.
-
April 17, 2015How nuclear submarines work -
April 17, 2015I work for a big company! -
April 17, 2015Lebedinsky GOK and Mikhailovsky GOK
