When free money appears or arisesA tempting offer to get passive income with minimal investment, you should not think long. Immediately invest your savings, and you will be happy. At least, this is what they say in advertising of such a non-banking organization as the Family Capital CCP. But is this really the case? This will be discussed in this article.
The company "Family Capital" is relativelya young organization that has been operating since February 15, 2011. She specializes in financing various profitable projects, lending and providing material assistance to members of her cooperative.
По предварительной информации, среди приверженцев This association is a lot of individuals and over 30 different companies. For example, among them there are such large enterprises as the Second Breath Plant, the Medvezhiegorsk Dairy Plant, the Tuxa agrofirm and others.
At the moment, the consumer credit cooperative of citizens "Family Capital" has more than 50 branches located throughout Russia.
The company "Family Capital" works onthe following principle: first, interested shareholders are attracted, who make a certain monetary contribution with a further prospect of interest accumulation; at the expense of this money, a certain fund is formed, and it helps the members of the cooperative to get loans for personal needs.
Credit Consumer Cooperative "Familycapital ”does not provide loans to people who are not part of this organization. Therefore, to obtain the right borrower a loan, he must first become a member of the cooperative.
По словам самих сотрудников организации, большая part of the money goes to the long-term development of the domestic agricultural industry. This is due to the fact that the majority of members of the cooperative are employees and owners of agro-industrial enterprises and organizations of various scales.
In addition, the credit cooperative hasa rather large trading network where goods and products of the same agricultural companies that are shareholders of Family Capital are sold. In addition, the structure of the organization fully controls the entire full production cycle. The company owns the following assets:
The organization also employs experienced professionals in the field of logistics, pricing, lending, financing, etc.
Anyone can become a shareholder and join the Family Consumer Credit Cooperative. To do this, follow these steps:
In addition, all members of the Family Capital organization are required to pay an annual membership fee of up to 300 rubles. This should be done before the first of February next year.
Currently in credit cooperativethere are several programs at once, one of which is profitable. It has the original patriotic name “For the Motherland!” And provides the following parameters:
KPK "Family Capital" offers its shareholdersand other rental program Rent. It also involves a contribution of 500 rubles, an interest rate of 18% per annum and monthly interest. Moreover, interest can be obtained by transferring them to your bank account in a cooperative or by issuing the required amount in cash through the organization’s cash desk. The validity period of such a loan agreement can be from 6 to 24 months.
И, наконец, третья программа для пайщиков, offered by KPC “Family Capital” is “Income”. It also acts only after the shareholder makes a down payment (500 rubles), assumes an interest rate in the range of 18-20% per annum, a loan term of 6 to 12 months and the ability to receive interest upon expiration of the contract.
In addition to profitable, the cooperativecumulative programs. For example, "Millionaire for 500 rubles." Like the three previous ones, it provides for a down payment, as well as additional monthly replenishment in the range of 500-1000 rubles. The interest rate for such a program will be 15% per annum. It involves a monthly capitalization of interest and a maturity of up to 262 months. It is such a “product” that KPK “Family Capital” offers its shareholders. You will read reviews about it below.
For example, for all 262 months a shareholder invested 500 rubles each. Over the entire period of the contract, he transferred about 131,000 rubles, therefore, accumulated in the end 1,008,930 rubles.
Shareholders of CCP “Family Capital” may acceptparticipation in an alternative program. For this, it is necessary, in addition to the desire, to make a down payment in the amount of 1000 rubles, and then be sure to make 1000-10 000 rubles a month. The duration of such an agreement is 229 months, and the interest amount is 13% per annum. Interest on this project is accrued at the end of the agreement.
For example, in 229 months, you transferred 229,000 rubles (1,000 per month) to the members of the cooperative, therefore, as a result, the income amounted to 1,007,054 rubles.
Offers CPC "Family Capital" and anotherAccumulation program from the Millionaire series. The size of the first installment on it is only 10,000 rubles, and the mandatory contribution made by the shareholder on a monthly basis is from 10,000 rubles. The interest rate for such a program is 11% per annum. However, it does not provide for monthly capitalization, but involves early termination of the contract. Validity period is 73 months.
For example, with a monthly transfer of an organization of 10,000 rubles for 73 months, your income will amount to 1,042,193 rubles.
This is a unique program, sinceTo participate in it, you must first invest only 500 rubles and pay exactly the same amount every month, and receive 10,000 as a bonus from the cooperative. At the same time, 15% per annum will be charged on the entire amount, including the bonus. In turn, the program is funded and it operates until the child is 18 years old. This is an example of a program that operates in the CCP “Family Capital”. You will see reviews about this organization below.
The Happy Baby program also runs untilYour child’s 18th birthday also involves a down payment of 1000 rubles, monthly deposits of 1000 rubles and a bonus from the company in the amount of 10 000 rubles. The rate is 13% per annum.
The Young Millionaire involves monthly installments and a first contribution of 10,000 rubles, as well as a bonus from the company for exactly the same amount. The rate is 11% per annum.
Also, members of the cooperative can easily save up for the following needs:
The organization also has other programs designed for young families and people of retirement age.
Before becoming a member of one ofnon-banking organizations, you should carefully study the reviews about it. Most often this is due to an erroneous error. For example, many users are sincerely confident in the similarity of a credit cooperative and a financial pyramid. But it is not so.
As a rule, such organizations do not havenothing to do with banks, but they act within the framework of the law and do not violate the law. Shareholders make all contributions on a voluntary basis. In addition, for example, in “Family Capital” they can spend the received interest on personal needs by purchasing products in the cooperative’s trading networks. At the same time, an accumulative system of discounts and bonuses awaits them here.
We open information and study creditcooperatives (reviews). For example, the most controversial things say about the Moscow branch of the Family Capital cooperative. So, some say that they “bought” advertisements and promises to get easy passive income, but in the end they invested money and did not see the promised. For example, one of the users writes that he invested for three years at 1000 rubles, received a discount on the purchase of goods in cooperative stores. At first, I just bought it there. Later, the product quality ceased to suit, and decided to pick up his share. As a result, some dubious additional contributions of 900 rubles were calculated from his base deposit (1000 rubles). and returned to their hands only 100.
Other shareholders said that for four yearsparticipate in a program for young families. So far, they have not received interest, since it is designed for the majority of the child. However, they are satisfied with the loyalty of employees and transparency in the execution of documents.
Others believe that the appeal to thisthe organization is associated with certain risks: you invest a lot now, but will it be possible to return your money with interest? But what do the employees themselves say about this company?
Smart people say:"Do not be too lazy to read, referring to the CPC" Family Capital ", the reviews of employees." What are they reporting? For example, some ex-employees of the Moscow branch of the cooperative claim that the company works under the license of a legal entity, therefore, it acts within the framework of the law and you should not be afraid to invest in it. Others, on the contrary, focus on the doubtful reputation of the company and say that you should not contact it.
In a word, think over and check everything three times before trusting your savings to Family Capital. A consumer credit cooperative is always a certain risk.
