When it comes to the use of online microcredit, Serbia has come quite close to the citizens of developed European countries.
We wonder what all influenced their great popularity, what are they for and how to recognize a quality offer of microcredits?
The world in the palm of your hand, money in your hands!
If you had to take only one item with you from your apartment in high speed and emergency, it would probably be your mobile phone, or more precisely, a smartphone, right? It contains EVERYTHING – from communication with others to our business and it is truly our “window to the world”.
Various possibilities literally lie in the palm of our hand, and via the Internet we can, for example, meet the love of our life, buy a wedding dress, but also get money for a small wedding celebration! Joke aside, but the fact is that the development of technology and the digitalization of society are strongly shaping our lives.
We adapt to them according to our abilities and needs. Maybe, at some moments, there is a need that we urgently need several thousand dinars to cover unexpected or increased financial costs. What do we do then?
We can take our smartphone and call a relative who will put us on a polygraph to find out why we need money or make an online request for the required amount of several thousand. With the help of a mobile application or the website of the company that offers loans, we can do it in peace, at a time when it suits us, discreetly, without explaining why we need money and above all – easily and quickly.
But the appeal of online lending does not stop there – its advantage is the fast delivery of money. Now we ask ourselves: why don’t we do it more often and what should we pay attention to? Do foreign countries offer anything that we in Serbia do not offer?
Great Britain – microcredits are a part of everyday life
The European country, the leader in the popularity of microcredit, is certainly the United Kingdom, where this is an extremely popular way when you quickly need money for unexpected expenses, ie financial coverage until the next monthly income. Considering that Serbia got acquainted with this offer only relatively recently, the interest in microcredits is obvious and is growing every day, although not as fast as in Great Britain, France, Germany or the Czech Republic. However, in Serbia we do not lag behind in the offer or quality of service.
Crystal clear calculated costs and business transparency
A key element of any serious microcredit company is a cost calculator. Enter: the amount, time of the loan and the number of installments that we want and he immediately calculates the costs according to our request. We know exactly how much money we borrow, for how long, and what amount we return.
Every serious website has a list of documents we need, answers to frequently asked questions (FAQs) and has a contact form and a prominent contact phone number. The advantage of offers on the domestic market is often the contact number to which a person who knows the answers to our questions related to this topic answers. When we talk about the domestic market, that is one of the details that can be crucial for the decision of which institution we will choose and give it our trust.
The offer in Serbia (does not) lag behind those in Europe
Insight into several offers on the domestic market, it is modest to say that foreign trends are being followed. Honestly, the pages are even clearer, more elaborate, all the conditions are clearly explained, in capital letters, in the Serbian language. Everything is great to read!
As a rule, if you are thinking of becoming a user yourself, it is important to know how the EU encourages the development of the online microcredit market and provides a legislative framework, and on the other hand a recommendation for acceptance and harmonization with applicable member state regulations.
Furthermore, online microcredits are not intended for minors or users who have a blocked account. One of the important preconditions is regular monthly income such as salary, honorarium, scholarship or pension. Everything else that interests you, you will quickly find out if you type in the Internet search terms: microcredit, loan or online loan.
Finally, it is important to understand that microcredits do not serve to permanently solve our financial difficulties, but to be there to help when money is urgent and important to us. And our friendly advice to you is to approach it exactly like that, Kamatica reports.
