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Instructions

We choose a bank. The main criterion is competitive interest rates, because the lower the interest, the greater the chance that there will be many clients.

This can be done by studying the products of several banks; you should take into account the degree of risk of non-repayment, which is why interest rate will vary slightly. It depends on the solvency and capacity of the borrower, his credit history. The bank will carry out the verification.

Detailed introduction to the products. Having concluded an agreement with a bank, you need to thoroughly study the products in order to competently inform the potential borrower. All conditions and tariffs can be found on the bank’s website, or you can take a package of offers in the bank itself.

Search for clients. Having notified all our friends that, believe me, it will give results after a while, we begin to look for clients in other places:

Local forums where the target audience communicates daily. It is enough to place several advertisements for those who want to get a loan on favorable terms with your contact information.

Having printed the pack, we distribute them to the mailboxes of neighboring houses. This procedure should be done daily at first, including in neighboring areas.

Telephone calls with offers to companies whose email address is unknown;

Large loans. The first clients have already arrived, perhaps one of the clients works at a company that wants to take large loan How entity. You can help them. Arrange a meeting with management, show up fully armed, because energy and the ability to communicate with people always lead to a positive result. Consult management about bank products, but never promise something that you yourself doubt. Leave a commercial offer and give it time to think about it; call in a few days to find out the result.

Video on the topic

note

Possible problems. Having left an advertisement on the forums for those who want to get a loan on favorable terms, or sent letters to potential clients, you need to understand that there is a small chance that the bank you brought will refuse to issue a loan. This problem may arise if, during a check by the bank’s security service, it turns out that the potential borrower has previously been convicted, his salary level does not meet the requirements of the desired loan, or the client deliberately provided the bank with false information. You should try to weed out such clients in advance so as not to waste your time. To do this, it will be enough to analyze the client’s appearance and behavior. If he inspires confidence, take the client to the bank.

Helpful advice

Over time, acquaintances begin to appear out of nowhere who intend to get married and want to take out an apartment on credit. It's not a problem, bring them to the bank. Your commissions increase more and more every month. Your circle of acquaintances is expanding, borrowers recommend you to their friends. The work is not rushed, the main thing is to get everything done in time.

Banks make an average of five times their money from their credit card customers. The first time is when they issue a card and charge from 1 to 3 thousand rubles per year for its maintenance. The second time - when the client withdraws cash from a credit card through an ATM, a commission of 300–500 rubles is charged. The third is when the borrower uses the money for a long time and pays interest on the loan. The fourth is a monthly fee for SMS notifications about movements of funds in the account. And the fifth time - if the card holder misses mandatory monthly payments and is subject to fines for this.

At the same time, the bank client has two loopholes and one big bonus:

1. Use a bank loan for free during the grace period (on average 55 days).
2. Minimize service costs: for example, find a card with a small service fee (in some cases this is free), and also turn off SMS notifications.

Bonus - use a credit card with cashback or linked to a loyalty program.

Bank money can be used for free during the grace period if you do not miss monthly payment(5–10% of the debt amount).

Income scheme

A credit card is a tool for everyday spending. For example, to purchase groceries, clothing, equipment, fuel for the car, various tickets and other things that can be paid by card.

To receive income, you will need to additionally issue a debit card with the option of accruing interest on the balance or deposit with the ability to replenish or partially withdraw funds without losing interest. Profitability of good debit cards is 8–10% per annum. You can earn 10–12.75% per annum on deposits.

Never withdraw cash from credit cards - this incurs a large commission.

Each time you receive a salary, you need to leave 3-5 thousand rubles, which are necessary for current expenses in places where cards are not accepted. The remaining amount must be placed in a debit card account or deposit. Current payments must be made by credit card. At the end of the month, the card loan is repaid with funds from the next salary, from the card where the money generated income, or from the deposit account. If everything is done correctly, then in a year you can earn from 1,236 to 20,928 rubles using this scheme.

The card is not simple, but golden

Now let’s look at options when a credit card brings additional income. Customers can choose from cards that accrue cashback for purchases (1–2% of all payments and 5–10% on individual categories) and credit cards with points that can be spent on air and train tickets, as well as on purchases in certain stores.

Let’s assume that you have issued a card that accrues cashback in the amount of 1% on daily purchases on which 50% of your salary is spent. Then even with wages in the amount of 15,000 rubles, the return in a year will be 900 rubles. If you earn 100,000 rubles a month, then additional income will reach 6,000 rubles.

Thus, the total income from using two cards or a deposit for the year will be from 2,136 to 32,928 rubles. This does not include miles earned for airfare or additional points redeemable at select stores.

1. Find cards with free service, you can earn cashback, miles and other bonuses using a credit and debit card calculator. It’s easy to select a profitable deposit using a deposit calculator.

2. Instead of SMS notification, use Internet banking or mobile banking to control your account.

3. Never withdraw cash from a credit card - there are large fees for this.

4. The higher the status of the card, the higher its profitability, cashback or interest accrual on the balance. Balance your benefits with the cost of service. Look for options where you need to pay a minimum amount for bank services.

5. Open a replenishable deposit with high rate so that funds unused during the month are transferred to a deposit with the highest yield. At the same time, do not place more than 1.4 million rubles in one bank - this amount is protected by the deposit insurance system.

Nov 10

How to make money on loans and microfinance organizations via the Internet and achieve an income of 100,000 - 1,000,000 rubles per month

Greetings, dear blog visitors. Dmitry Smirnov, author of the blog, is in touch with you as always, and in this article I want to tell you about how to make money on loans from 100,000 rubles a month, and how people make millions of rubles a month working with banks and microfinance organizations using the Internet — intermediaries, working according to the CPA method.

Don't confuse CPA with CAP systems. On this moment competition among banks is growing terribly, but no one gives me a loan)) Well, I’m an individual entrepreneur, what can I do! Okay, let's talk about something else! Competition is especially strong among microfinance organizations. Of course, there are powerful systems like SMSFINANSE or BystroDengi, and there are weak MFOs that have appeared recently. In any case, they are all fierce competitors, and everyone wants to get as many solvent borrowers as possible, and the more, as I said, the better.

It is for this reason that almost everyone financial institutions They work using the affiliate program method. As a rule, some work directly, for example, “Express Money”; when you receive a loan, they can give you envelopes and various leaflets so that you can post them up, and receive 500 rubles for each attracted client. You might think that for 10 people a day you get 5,000 rubles. But, in life you will need to sweat, and most likely you will not go crazy and earn money by putting up leaflets.

How to make money on a loan?

There are a huge number of services on the Internet that work using the CPA method. You will receive money for leads, on average from 400 - 2000 rubles. Let’s say for 1 issued credit card of a certain bank you will receive 1000 rubles, and for a microloan issued by this microfinance organization you will receive 200 rubles. Everything is extremely simple, submit 100 applications a day, 30 of which will be approved, and on average it is not difficult to calculate how much you can earn from loans and microfinance organizations.

Here’s an example: in the admitad system yesterday a guy earned more than 4,000,000 rubles in just 1 day, it’s not difficult to think about his earnings for a month. These are real numbers; owners of large portals can earn amounts you never dreamed of. Here you can calculate a person’s income per day, you will buy 6 - 7 of my E60s.

How to make money on loans?

Everything is extremely simple! Register at any affiliate program, for example in Cityads or admitad or anywhere else, connect to any offer, read the rules, which traffic is allowed and which is not. And then you can work with the link as you wish! But if you are a sensible person, you can do the following, namely:

1. Create a one-page website with a list of offers or create a financial blog
2. Create a group in social network on the topic of loans
3. Start purchasing advertising on bazaaremail
4. Start working on financial forums
5. Watch your income grow

Usually they do this, namely: they make 1 page with proposals, here is an example:

Accordingly, you start working with traffic. The more visitors you bring to your page, the more applications you receive. Let’s say you have a wild plan to bring 1000 people per day to the page. The average conversion will be 30 applications, of which about 8 will be approved. On average, your income will be 3,000 rubles per day. It depends on the organizations; it’s just that some borrowers will already be familiar with the MFO data before they get to your page. It's a matter of chance.

Earnings from banks

Indeed, this is a very serious type of business that brings in a lot of money, but don’t even try to think that everything is easy! Only those who know how to work with traffic will be able to make money. Whether in the information business, whether in affiliate programs, or in binary affiliate programs, if you are the king of traffic, then you will drive a BMW, not a Kia Sportage. There are huge opportunities here, I would love to get involved in this area and successfully generate traffic, but I can’t stop working on a bunch of projects.

Now you know how to make money on loans!

Earning money by applying for loans is no longer an innovation. Many companies use credit funds to make a profit. Then they repay the loan obligations, and the remaining finances become their main income.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Credit cards have become one of the most popular forms of obtaining credit. The question arises - how can you make money on credit card?

Simple circuits

To profit from a credit card, you need to know some rules. They will help you wisely use all the opportunities to earn money on credit cards.

Funds control

An important point is to correctly adjust the cost of paying interest on the loan. For anyone credit card There is a certain period during which the bank does not accrue interest. If you repay the loan debt within this period, the bank will not be able to earn on additional interest and penalties. This interest-free period ends when you withdraw cash from the card. A certain percentage is charged for the process of receiving cash. This option makes it impossible to make money on a credit card due to the large number of different fees. There is also a psychological side to this issue. With open access to sums of money you can quickly spend them on non-essential goods. This is exactly what banking organizations are counting on. If you want to save money, then you need to refrain from such ill-considered actions.

Benefit from operations

To make it clearer how to make money on a credit card, you can consider the following scheme for making a profit: during the interest-free grace period, any purchases must be paid by credit card without withdrawing cash from the account; You need to open a deposit account at a bank with a high interest rate, into which you put your main monthly earnings, leaving a certain amount for expenses that cannot be paid with a credit card; At the end of the interest-free period on the card, you need to repay the debt in full. In this situation, all daily needs are paid by credit card. Interest increases on the deposit account. They will be the net benefit after redemption credit debt after the end of the grace period. The income will not be huge, but the savings will be significant. We can roughly identify 5 moments when a bank makes money on its clients: when issuing a card and servicing it; when withdrawing cash in the form of commission fees; if the cardholder pays the debt along with interest for a long time; on charging a fee for informing about all banking transactions via SMS; due to penalty payments made by a bank client when missing loan payments. For additional savings, you can apply for a credit card with a loyalty program and the opportunity to receive cash back from purchases or points that can be used to pay for certain goods. You can also disable the SMS notification function on this card and select the most favorable tariffs for servicing your card account. In this situation, the real benefit is more tangible.

If you pay for any purchases with a card with the cash back function, you can get significant benefits, because a percentage of purchases is returned back to your account and you can spend them again

How to make money on a credit card with a bank?

Today, many banks are ready to offer the use of their services on very favorable terms. You can use a credit card and spend a minimum of money on its maintenance.

In order to learn more about the possibilities of earning money on credit cards, you should study the features of cooperation with some banks and payment systems.

Mutual profit

The benefits from frequent use of banking services may be small at first, but with a reasonable approach, profits can increase significantly. Banking organizations expect to make a profit through penalties and interest if cardholders do not comply with the agreement. This can be avoided by timely repayment of credit debt. Even tariff plans are very beneficial for customers, the bank also makes a significant profit. Most of the programs offered by domestic banks have long been tested in Western countries. Credit card holders can earn money in the following ways: use credit card funds during the grace period; receive certain bonuses using the bank’s services; connect the cash back option and receive a percentage of the purchase back to your account. It may seem that such proposals do not benefit the banking organizations themselves, but this is not true. In this way the bank attracts many clients. At the expense of those who did not carefully read the terms of the loan or did not comply with the terms of the agreement, the banking organization makes a profit. These customers are required to pay fines or fees for using a particular service.

Grace period and cash back

Almost all banks provide credit cards with a grace period. This means that the borrower can spend funds from the card account and not pay interest to the bank. You can spend this money on any needs, and when the interest-free period ends, you will only need to pay the amount spent. Credit cards have different grace periods. On average, its duration will be from 40 to 60 days. No interest is charged on these days. This is one of the popular ways of making a profit from a credit card. You can pay for everyday purchases and services with a card, and basic financial resources deposit into a bank deposit account. Interest will be accrued on the deposit every month. If you repay your loan obligation on time, you will not have to overpay. It is important to make all required loan payments on time so that the bank does not charge interest. Will need to repay full amount loan. You can only pay by credit card non-cash. There are fees associated with cash withdrawals. The grace period does not apply to cash funds. The size of the benefit depends on several indicators: loan limit size; monthly salary amount; the size of the bet on the deposit account. This type of income will not bring huge income, but it will allow you to save a small amount. For example, if you take out a loan for the amount 30,000 rubles, and put the same amount into a deposit account, then when deposit rate 12 % per annum, net profit will be 3600 rubles per year. With a larger loan limit and income, the benefit can be up to 6,000 rubles per year. Not much, but you don’t have to do anything to get these funds.

You can consider the benefits of making a profit from a credit card using the example of cooperation with Sberbank and Tinkoff:

Cooperation with

Clients of this bank can earn money by using its services. The most popular way is to open a deposit with Sberbank. Stored cash on a deposit account. The bank client will receive profit in the form of interest accrued monthly to the account. To complete all documents, just contact the department banking organization or use the Internet service. If you additionally issue a credit card on favorable terms, the profit will become more obvious.

Cooperation with

The bank offers its customers to open a deposit account or benefit from deposits. Funds are deposited monthly or once a year, depending on the terms of the agreement. The profit received can be cashed out or the funds transferred to another card. This type of earnings does not involve receiving a large income. With active use deposit account and transferring funds to it, the benefits will become tangible.

What to consider when choosing a credit card

Before choosing one or another card, it is important to carefully study all the clauses of the contract - tariffs, features and prices for services, the amount of commission fees and in what situations they are charged.

The most important points:

• Duration of the grace period on the loan.
• Features and prices for annual maintenance cards. Preference should be given to cards without an annual service cost.
• Amount of commission fees when withdrawing cash from a card. Usually they range from 3 % . The grace period is not taken into account in this case and interest is charged.
• Any fees and interest that the bank may charge. It is necessary to carefully study all such points to avoid unnecessary expenses.

If you take into account all these points and fully study the terms of the loan, you can make money on credit cards without much effort.

Another option for making a profit from a credit card is cash back. This option provides for the return of a certain percentage of any purchases on the card to the cardholder's account. For example, a client purchased goods in a store for the amount 20,000 rubles and paid for them with a credit card. The bank has set the cash back amount on this card 1 % . Will be returned to buyer's account 200 rubles.

Before you decide to use such schemes for earning money on credit cards, you should listen to the opinions of experts. They will help you get answers to your questions.

Issuing a card will be beneficial in the following situations:

• If the main earnings are in a deposit account and bring in a certain percentage of profit. The benefit will be most obvious if your credit card expenses are high. If you use it rarely, the income will be small.
• It is convenient to use a credit card when traveling. For some goods it is more profitable to pay by non-cash method.
• You can plan your purchases by knowing exactly what the limit is on the card.