Finami khoản vay cá nhân lên đến 10 triệu, duyệt 15 phút

November 25, 2023

Finami khoản vay cá nhân lên đến 10 triệu, duyệt 15 phút

Thông tin gói vay tại Finami

Tổ chức Finami có các thông tin tham khảo về gói vay, lãi suất, hạn mức như sau:

  • Khoản vay trung bình 500,000 VNĐ – 10,000,000 VNĐ
  • Kỳ hạn vay: trung bình khoảng từ 90 – 360 ngày
  • Lãi suất: 0,01% cho khoảng vay đầu tiên
  • Thời gian duyệt hồ sơ: 15 phút
  • Tỷ lệ thành công: 95%

Các điều kiện vay của Finami

Theo tìm hiểu của Tuấn các yêu cầu vay của Finami đơn giản như sau:

  • Độ tuổi quy định tối thiểu từ 18 trở lên, đồng thời có quốc tịch Việt Nam
  • Giấy tờ hợp pháp bao gồm CMND/CCCD
  • Lịch sử tín dụng: không đánh giá
  • Cung cấp số điện thoại hợp pháp người thân hoặc bạn bè.

Đánh giá tính năng và nhược điểm Finami

Các tính năng và ưu điểm

  • Hoạt động liên tục 24/7 không giới hạn thời gian.
  • Nhân viên xử lý nhanh, phản hồi kết quả ngay trong 1 ngày làm việc.
  • Ưu tiên người vay có tín dụng tốt sẽ có hạn mức không giới hạn
  • Khoản vay đầu tiên có tỷ lệ duyệt cao hơn thông thường.
  • Các khoản vay đánh giá dựa trên máy tính và công nghệ nhân tạo vì vậy có kết quả ngay.
  • Không cần người bảo lãnh, các thủ tục đơn giản gọn nhẹ hơn vay ngân hàng truyền thống.

Các hạn chế

  • Một số khách hàng có tỷ lệ treo hồ sơ cao.
  • Không hỗ trợ người vay có nợ xấu hoặc chưa thanh toán khoản vay lần đầu.
  • Lãi suất thường không cố định sẽ ảnh hưởng đến khả năng thanh toán của khách hàng.
  • Nhân viên làm phiền thường xuyên trong trường hợp chậm thanh toán khoản vay

Finami có lừa đảo không?

Finami có trang web nhưng thông tin chủ thể (đơn vị quản lý và vận hành) không có, ngoài ra giấy phép kinh doanh chưa có. Dựa vào các thông tin này chúng tôi đưa ra nhận định Finami chưa đủ sự uy tín.

Thông thường các đơn vị như thế này, người vay đăng ký sẽ ảnh hưởng rất lớn đến các quyền lợi cá nhân, đồng thời không thể khiếu nại khi có các sự cố xảy ra.

Dựa vào các yếu tố trên bạn sẽ tự nhận xét và nếu cảm thấy phù hợp hãy vay. Trường hợp không muốn vay hãy từ chối ngay từ quy trình đăng ký, nếu đã nhận tiền không thể hủy khoản vay.

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