Loan Terms and Conditions
Plain-language disclosure for users of digital financial services provided by OOO ,MUNGIS ("МУНГИС" ККМ ООО).
Provider information
- Service provider
- OOO ,MUNGIS ("МУНГИС" ККМ ООО)
- Registration number
- 0794100047521
- Currency
- Russian Ruble (RUB)
- Minimum age
- 18 years, verified identity required
Core loan parameters
| Parameter | Disclosure |
|---|---|
| Loan amount | Standard range 4,000 – 75,000 RUB. Selected product cards may display 1,500 RUB lower-tier offers and uplifted limits up to 180,000 RUB, subject to scoring and document review. |
| Loan term | 61 – 120 calendar days. The schedule for a specific offer is shown on the card before acceptance. |
| Daily interest | 0.05% – 0.09% of the outstanding principal per calendar day. |
| Annual percentage rate | Up to 33% APR on a 365-day basis, inclusive of daily interest and applicable service charges. |
| Repayment plan | Monthly installments by default; bullet repayment available on selected short-horizon products. No product requires repayment in full within 60 days or less. |
APR is calculated from the approved principal, the applicable daily rate, and the actual loan period. The exact value is fixed in the individual agreement and shown on the offer card before acceptance.
Representative examples
Example 1 — installment, mid-horizon
- Loan amount
- 45,000 RUB
- Loan term
- 90 days
- Daily rate
- 0.09%
- Interest charged
- 3,645 RUB
- Total payable
- 48,645 RUB
- APR
- 33%
Example 2 — short horizon, bullet repayment
- Loan amount
- 12,500 RUB
- Loan term
- 75 days
- Daily rate
- 0.08%
- Interest charged
- 750 RUB
- Total payable
- 13,250 RUB
- APR
- 29.2%
Repayment methods
- From the borrower's personal account in the service interface.
- Direct bank transfer to the corporate account named in the agreement.
- Partner payment terminals where available on the date of payment.
Extension and early repayment
- A prolongation may be requested if accrued charges as of the extension date are settled and the product eligibility is preserved.
- Early repayment in full or in part is permitted at any time without additional penalties.
- On early repayment, interest is recalculated for the actual period of use.
Borrower rights and responsibilities
Rights
- Receive an itemised summary of all charges before accepting the offer.
- Repay early without penalty in accordance with applicable law and contract terms.
- Request explanatory materials about pricing arithmetic, the schedule, and consequences of missed settlement.
Responsibilities
- Repay principal and charges according to the agreed schedule.
- Maintain accurate personal, contact, and payment information throughout the credit lifecycle.
- Notify the operator in advance if a settlement date will be missed.
Dispute resolution
Questions about service mechanics or the handling of a specific request can be addressed to [email protected]. Formal complaints follow the internal escalation procedure of OOO ,MUNGIS ("МУНГИС" ККМ ООО) and are answered within the timeframes set by applicable consumer protection rules.