In our difficult times for the economy, I really want to profitably invest my free funds somewhere and make money on it. The easiest way – this, of course, bank deposit. And although this option is the most reliable, however, rates in recent years have fallen below the baseboard. More or less attractive conditions are offered for pension deposits, but after all, young people also want to receive a normal income.
More and more people are looking towards credit consumer cooperatives. Good savings rate offered by KPC Kraft Finance. The organization is young, but very worthy. How trustworthy is this PDA, what rates does it offer and are there any guarantees for the safety of funds – read on about it.
What is known about the PDA Craft Finance?
The cooperative was created at the beginning 2020 of the year, the chairman of the board is Lublinskaya Maria Valerievna. Savings income is up to 7,65 %, which is very good compared to the proposals of other PDAs. We can make an assumption, that the organization is interested in actively attracting new shareholders, that's why it offers such a favorable interest. Especially, what 2020 the year has not been easy for anyone. Mutual benefit: the cooperative attracts new savings and increases its fund at their expense, shareholders get a good chance to invest money and take more sum as a result, what was invested in. At the same time, you do not need to waste your nerves and time., passive income (and comfortable!)
The PDA Craft Finance website states, that the cooperative is a member of the Union of SRO "NOKK". recall, that according to the Law "On Credit Cooperation" cooperatives must be members of a self-regulatory organization and make regular contributions to its compensation fund. The fact, that in the event of force majeure situations, it is from these funds that shareholders will be able to receive material compensation according to the insurance contract.
Presentable website, it has a handy savings income calculator. A number of important documents are also freely available., namely – certificate of Tax, Registration sheet, Liability Insurance Certificate, NCO "MOVS" license, constitution, etc..
How to conclude a contract
Here everything is simple: you need to leave a request on the website or by calling the specified number. After that, you need to come with a passport to the department of the cooperative (Moscow) to get acquainted with the contract and sign it. You can easily find the branch address on the website. To be able to earn income from savings and take loans, you need to become a shareholder and contribute money to the KPC fund (cash or bank transfer). After that you will be charged interest (you receive them on a bank card or at the cash desk of the cooperative).
Savings program tariffs
As already stated, in Craft Finance you can receive up to 7,65 % revenue. The cooperative offers a choice of three types of programs: "Accumulative", "Pension", "Investment". For the first two, the top-up amount starts from 1000 rubles. By investment – from 500 thousand. Under the pension program, payments are made every month (or at the request of the client – at the end of the term). For savings and investment – at the end of the contract. Under the pension program, you can withdraw part of the funds ahead of schedule (to 25 % of the total amount) without losing interest.
You can calculate the profitability of various savings programs directly on the Kraft Finance website, using a convenient online calculator. You can find out the detailed terms and conditions of savings programs, by leaving a request on the website or your phone number (the manager will soon contact a potential client).
Loan conditions in Kraft Finance
The cooperative only issues secured loans (secured by real estate or a car). It's good, after all, it minimizes the risks of non-return of funds. Loan rates depend on the terms and on the amount of borrowed funds. The range of rates is large – from 22 to 30% per annum. Of course, interest on loans in all cooperatives is rather big, but due to this, the shareholders receive a higher percentage of savings – so everyone wins. In addition, it is not so difficult and long to get a loan at Kraft Finance., like in ordinary banks. The organization is more loyal to borrowers, because they are all members of the cooperative.
Internet reputation and reviews of the PDA Craft Finance
After reading reviews about the PDA Craft Finance on the network, there is an ambiguous opinion about the activities of this cooperative. One side, we see a lot of very flattering comments from satisfied shareholders, on the other hand, there are enough negative reviews, who question the CCP's reputation.
Here you need to turn on your head, because reviews can be bought (and not only positive, but also negative). Distinguishing one from the other is not so difficult: in real reviews, a person does not hide his identity, can name the details of cooperation, his criticism and praise is constructive. A number of negative reviews about Craft Finance – these are the machinations of competitors, who cannot offer clients such favorable conditions. Therefore, the dirtiest methods are used.. Young cooperative, founded not at the most simple time, therefore it is not difficult to tarnish his reputation.
There is nothing to be afraid of – anyway, the activities of cooperatives are monitored by the Central Bank, and Kraft Finance is included in the general state register. If there were scammers before us, The Central Bank would have removed the cooperative from the state register long ago and took the necessary measures.