Minsk, Miasnikova Street, 27офис 31, этаж 7
Kapusta.by
Directions
Ploshcha Francishka Bagushevicha
640 m
Sendajski skvier
168 m
17 reviews
April 22
In theory, you can make a profit, but too many people do not want to give money voluntarily. You have to take the borrower's contact phone number from the service, call them, and persuade them. The service itself does not take part in this at all - it only collects money. The rules are written crookedly, the sequence of actions is not clear. The lender is not protected at all. When you give a loan, you don't know what's really waiting for you. It takes at least 6 months to repay a problem loan (we are waiting for the penalty to be charged, waiting for the response to the claim, waiting for the arbitration court, waiting for the court decision, sending the decision to the economic court, waiting for the court decision, sending the court decision to the OPI, waiting for the OPI to collect the money). In general, I tried, eventually worked in the negative and retired from the service.
And for general information. At the end of the year, it is necessary to file a tax return to charge 13% of income for tax, which is calculated from conditional earnings - from interest and penalties, including loans that were not repaid, but should have been repaid in the reporting period. In addition, this 13% tax is calculated from the amount from which the Cabbage commission is not deducted.
In terms of figures, the following results are obtained: conditionally I gave 500 rubles, 600 should be returned, 4.5% of 600 is taken by cabbage = 27p + 13% of 100p (the difference between 200 and 100p) = 13p tax must be paid to the state. In total, the conditional net income is 60p, although it initially seems that it is almost 100p. If, in this example, 1 out of 10 people does not repay the loan, then the work turns out to be zero.
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May 12
My friends advised me. I have registered and am waiting for the rating. But after reading all the information, I realize that my rating will be weak. It's not fair to get a rating. In one year, it so happened that I collected a lot of fines (14,000). I went to work officially, where my salary is currently 4200 - 4500. I pay fines through the opi. I have repaid 12,000 in 7 months. But it's not my ability to pay that will be taken into account in the rating, but the fact that I pay for the writ of execution through the opi. It is necessary to somehow bring information to investors about such borrowers. And put a favorable percentage on delays if the case goes to court. This way, investors can avoid the hassle of dealing with the courts, and borrowers with low ratings can borrow money. After all, only those who officially work are registered here, and in this case, 100% of the money is collected from the borrower. Even if the borrower has a five rating, he will still return the money himself or, as a result, they will deduct twice as much from the salary. Whatever it was, but investors in this service are safe. They will return 100% of their investments. In our country, the OPI has many opportunities to recover funds. In general, I think that the rating should be set according to the borrower's income level. After all, if the income is high, then the investor will certainly issue a loan knowing that there is an income from which he will receive his money.
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1
April 5
He registered as a lender using the ID in his passport as a login. I went in, read the terms, looked at the lists of lenders and borrowers - how much they give, how they give, what ratings, etc. I saved up money on a card that is not dangerous to shine on the Internet, decided to issue the first loan - the site says that the login is now a phone number. I enter the number-login and password - it says that they are incorrect. I click on "Send a code by SMS to restore the password" - the code does not arrive. I wrote to tech support and did not receive a response.
I give a "unit" to this kind of site work, since there is no less rating.
See original · Русский
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