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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 309 items

Long the grace period is increasingly a decisive argument in favor of choosing a credit card. What pitfalls are lurking for the long "grace"? is Called "coronarica" the demand for the restructuring of debt has led many borrowers to draw attention to a credit card with a long interest-free period. Often to get a card with decent credit limit faster and easier than through your Bank vacation credit. Extended grace period allows you to reduce your monthly payments, easier credit load and reduces the risk of arrears. However, the long grace-period is not always beneficial to the card holder. Long grace period: what's the catch? the notion of an interest-free period on credit cards has long since become commonplace and almost no one raises questions. The...

Three reasons why banks deny credit, and whether to deal with it. Understands the Director of the Department of Analytics and content Banks.ru Sabina Hasanova. the Text version of the Sabina Hasanova, Director of the Department of Analytics and content Banks.ru the Main reasons on which banks usually deny loan If the Bank refused the loan, then globally we can distinguish three reasons: the Bank's credit policy; high credit load; credit history. the Bank's Credit policy these are the rules and approach that the Bank applies to the client. That is, you can be in a special category of professionals with whom the Bank works with caution. Or to work for a company that this Bank considers unstable. Everything is important: the marital status, age, profession...

"Gazprom allowed to sell gas. Now the national resources in your hands." Wow. Inviting landing page, large inscription directly under the logo of the Ministry of energy of the Russian Federation and, of course, itself "Gazprom". Quotes and a portrait of Chairman of Board Alexey Miller. Here is a calculator of future profits, form for registration and a video about the rich resources of our vast country and powerful positions one of the largest energy companies in the world. "what about us? After all, Russia's resources belong to all inhabitants of the country. 3 November 2019 after long discussions in the State Duma adopted the law on the introduction of the draft mikronizirovanne in "Gazprom". Simply put, to give access to the earnings on the projects of...

Citizens who find themselves in a difficult situation in connection with the pandemic coronavirus are entitled to vacation credit. But what will happen with credit history if you have to use such a measure? Won't these borrowers are "bad" in the eyes of other banks? Understand together with NBCH. the Text version of the Alexey Volkov, marketing Director of National Bureau of credit histories (nbki) What is credit history? Credit history is a document, which confirms the financial and credit reputation. It is a credit history look banks, MFIs, credit cooperatives, pawnshops and so on. This document contains information about all previously issued loans, loans, loans, their amounts and timing. It contains information, as these obligations were served — they...

Banks.ru tested first on the Russian market of banking virtual keyboard for smartphones based on iOS. Understand the advantages and disadvantages. the Bank "OTKRITIE" announced the launch of the first on the Russian market of virtual keyboard OpenKey with integrated banking for smartphones. The service allows you to send money, check balances and pay for mobile connection from any social networks or email without entering in to the mobile Bank. For the Russian market of integrated banking keyboard can be called a novelty, although "Discovery" was not the first to notice the functionality and convenience of instant messengers and social networks for financial transactions. Even in 2015, "Tinkoff" has released a messenger with the function of transferring...

Savings account thanks to its flexible conditions are the Russians becoming increasingly popular. Understand how they differ from the deposits and the conditions on these products today, you can count on. According to the Bank of Russia, investors get rid of long, more than a year of deposits in rubles. Customer funds flow partly from deposits to savings accounts. This is due to the fact that due to the unstable economic situation made people feel better to keep money in constant access, while the contributions of such opportunities often not. at the same time rates on deposits and savings accounts today are almost equal. The weighted average rate on ruble deposits up to one year now stands at 4.05% per annum. Interest rates on savings accounts are around...

Free services and new terms for kessaku — how did the flagship debit card of VTB. this year, VTB is actively updating the range of payment cards: in may, the Bank announced a new credit "Card of possibilities" and on July 20 announced the restart of its flagship product — debit "Multimap". The changes affected the plan, and loyalty program "multiple boosters": the map is free, and the terms of calculation of kesbeke more flexible. We will understand what exactly has changed in terms of multicarta and what pitfalls lurk for new opportunities. Change in fees the Main advantage of the tariff plan updated "Multimap" — the abolition of a fee for monthly service. The earlier card was a shareware: to avoid paying a Commission, you need to make purchases for the...

The Law about credit vacation mortgage and consumer loans, designed to support the population during a pandemic coronavirus, was signed in early April. But this topic never ceases to be relevant and still raises many questions. Who can receive vacation credit? Can the Bank refuse the borrower to provide them? What important details should be sure to pay attention to? Understand in detail. the Text version of the Anastasiya Belik, , leading expert of the analytical center Banks.ru What is a credit vacation? vacation Credit is the period during which the borrower can reduce monthly payments or even suspend them. The loan term is extended by the number of months of delay. It is important to remember that during the grace period on the principal amount...

The Transaction took place, the initial fee paid and the title transferred to the buyer. And suddenly, the Bank changed its mind and denied the borrower for a mortgage loan. Why is this happening? "the Apartment is not a sack of potatoes!" "It was 29 February, Saturday, at 10 a.m.," recalls Olga. On this day she went to the Bank with her daughter Daria to help her with the mortgage. "We came, drew up a contract of sale, signed the loan agreement and transferred to the seller 50% of the fee is 2.2 million rubles. We were sent to the MFC. In MFC we all safely passed, already exhaled, returned home. And then a phone call. We're denied the loan," — says Olga. When she and her daughter came to the office of VTB, a Bank employee was already prepared documents on...

Free subscription to "Yandex.Plus" and cashback to 10% for the use of services "Yandex" — what is the difference between the cards "Yandex.Plus" from the "Tinkoff" and Alfa-Bank? the co-branded cards of "Yandex" on the basis of Mastercard today offer Tinkoff Bank and Alfa-Bank. The Holders Of "Yandex.Plus" free-use subscription to the service "Yandex", to get discounts and bonuses and earn cashback. At first glance, the products of both banks look the same, but on closer examination, the cards have revealed many differences. We will understand which Bank is more profitable to use the services of "Yandex". Bonuses for "Yandex"services and other "buns" Card "Yandex.Plus" focused on active users of the service "Yandex": "Taxi", "Music", "IMDb", "Take...

In the classical picture of the world the lenders chasing non-payers to "extort" money from them. But what to do when you know what you need, but do not know to whom exactly? "I never thought that they did not pay" this Spring, Natalia (name changed) approached the Bank for a loan. She was going to buy property, and it lacked a certain amount. "It was my salary Bank a long time, she says. — I was there "their" customer, they've seen all my income and revenues. I was sure that with the credit I have no problems". However, the Bank turned her down. And as "his" customer was advised to check the credit history. Through the portal of "public Services", she made a request to the credit bureaus, credit history and was stunned — there was listed an outstanding...

In late March, Russia adopted a law on the tax on interest on deposits. This has excited many people in the country who have decided that now when placing any amount on Deposit they will need to pay tax. In fact, it is a widespread misconception. And here very important details. the Text version of the Victoria Kandaurova, , Deputy Chairman of Expobank the New law will relate exclusively to interest on deposits, that is, we are not talking about levying a tax on the whole amount of funds in the Bank. On the basis of calculations is the amount of income that is not taxable, is 1 million rubles, multiplied by the key rate of the Central Bank. Now, with a key rate of 4.5% this amount is 45 thousand. the Tax will be levied on the amount of excess income on...

Think of the financial pyramid in our country there was in the 1990s? Mistaken for a century and a half. Tell about the first major financial Scam in Russian history. "Seeing that investors are not coming, bankowy embark on an American thing. They give percentages that are dreamed of our sages: 6 to 7.5 [in other banks took deposits for 3-5%]. For SIM follows the is, bypassed all Newspapers ranging from Metropolitan to Irkutsk. The advertising is doing its job. Total deposits increased to 11 million", — the journalist and writer Anton Chekhov described in 1884 in the St. Petersburg newspaper "business Rykov and company." The case rocked the entire country and has become famous as the story of the first financial pyramid in Russia. As under the Ryazan...

The Protective properties of the gold fade with each new growth of quotations. Analysts are increasingly paying attention to silver. But upon closer inspection it is not all so simple. on July 13, the price of a Troy ounce of silver made new high since September of last year (19.31 USD) and continued moving upward, reaching at auction on July 14, the mark of 19.72 USD. During the month the asset went up 10.7%. Over the same period, the main competitor – gold – grew by 4.9%. The values from the beginning, the gap in favour of gold, which against the background of the search for investors "safe haven" during a pandemic increased by 19% (against 7,5% in silver). Precious metals are rising for obvious reasons. The main driver of the widespread uncertainty...

In July began to operate the new rules of preferential car loan. Who can now count on a discount from the state and what are its pitfalls? the Program of preferential car loans allow families with children and people who previously didn't have a car, buy a car with a discount of 10% or even 25%. From 7 July entered into force, further changes to these programs. Now give a discount, even if the family has only one child. To claim the privilege will also be able health workers and those who donate a car to "trade-in" and the maximum amount of purchased cars has increased to 1.5 million rubles. How it works? the Borrower takes out a car loan and if all program conditions are met, receives a discount of 10% from cost of the machine. Or even 25% for residents of...