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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 416 items

Banks record a slowdown in the issuance of mortgages, despite lower rates to near historic lows. Will the demand grow and when the time comes to purchase a home loan? Nevedusia result Number of new mortgages in the first nine months of 2019 decreased by 5% compared to the same period last year, according to the research of rating Agency "NKR". As consider in Agency, to market dynamics influenced by the growth rates in the beginning of the year, which considerably dropped the demand for refinancing. "If in 2018, these loans accounted for about 12-14% of all new mortgages (11,5% for the year), in 2019, their share decreased to 4-5%," — said the NKR. Excluding refinancing, the reduction in the number of new loans for the nine months was markedly lower by 6...

Not all bonds are equally safe. What signs can say about that paper or its Issuer, is something wrong? In April 2018, "Homemade money," has defaulted on bonds with a volume of 1.25 billion rubles. The borrower is not able to fulfill the offer. The company has stated that all is not going to pay the debts, not to go on about the speculators who buy at the beginning of the year paper at low prices. Then they were trading at 50-70% of the nominal value, the holders were more than a thousand private investors. the company Then promised to restructure the loan to 2022 to fully repay. But again came the defaults. A group of investors went to court and wrote a letter to the interior Ministry and Prosecutor General's office, accusing the company of fraud. And in...

"Where the more you spend there and keshbek", promises us is the "Smart card". Doesn't say how much you need to spend to get the maximum. And for good reason. the Good-natured Mike calls to strangers and says to choose a category of accrual of kesbeke owners "Smart card" is not necessary: it is automatically determined, depending on that this month the client spends the most. While this only happens in the commercials which started on 1 October this year a large-scale advertising campaign of Gazprombank. Sounds great! Even too. the Conditions on the card In Gazprombank there is a whole family of "Smart cards": credit Visa Gold, Visa Gold debit cards and debit reward Signature Visa. Misha from the video is referring to credit and debit options. The product...

Bankers are often accused of card holders abusing the bonus programs. Customers in response to complain about the failure of banks to fulfill the conditions of the loyalty programs. Who is right? "they are Upsetting you, Bank, your customer" loyalty Program was conceived by banks for getting closer with customers, and in fact became a war zone. Who started first is difficult to say. In the open stage of the conflict came when banks began to unilaterally worsen the loyalty program. "Bank "slept" changes in the market and now shifts their mistakes on the customers. Such actions by the banks is nothing but false advertising. The stated advantages of his product offset "reverse" number through a change in its bonus program... And now the Bank bounces in the...

Business Credit card is offered by Sberbank small business as an option revolving line of credit. A lot of this map works just like a credit card, "physics", but the lack of features. How to get To obtain business credit cards, you can contact the office to leave the application on the Bank website or apply via the Internet-Bank "Sberbank Business Online". After the documents have been issue of a card is approved or not. In case of approval you will need to sign a credit agreement. More precisely, we are talking about two statements on the accession to the General credit conditions of the product "business Credit card" and accession to the contract-designer / conditions of opening and maintenance of account business credit card. And to sign these documents...

The Bank of Russia continues to struggle with unsecured consumer crediting. The growth rate of retail portfolios, though slow on the banking sector as a whole, but remain elevated for many players. in short - the Main contribution to the growth of retail lending in absolute terms, making the national players. is the Largest state-owned banks lend to people moderately, however, much greater activity is shown by their "brethren" smaller. - the Classical retail banks grow modestly. - the race of the lending leaders today are primarily large private banks. everybody Dance According to Central Bank data, the nominal volume of Bank loans to individuals for the period from the beginning of January to beginning of October 2019 rose by almost 15%. By the end of...

A Sharp reduction of the key rate in October has hit bond yields, but investment in them is still cheaper deposits. Continue to monitor fixed income instruments. Bonds bring lower returns to investors. The October rate cuts, the Central Bank immediately by 0.5 percentage points raised the index of government bonds RGBITR to a historical maximum: now its yield fell to 6.36%. In January the yield of gobongo was 1-1. 75 percentage points higher, depending on the duration. For investors who bought bonds in the last year or beginning of this, there is a reason for joy: in addition to good rates, they had to get coupons. According to calculations the main analyst of the company "Region" Alexander Ermak, the average price of government bonds in the first nine...

Took Advantage of the privileges from the Bank and became a tax debtor. How is this possible and do I have to pay personal income tax on bonuses of kesbeke and gifts from the Bank? the User Banks.Roux under the name of the facilitator in 2018 was a customer of Alfa-Bank and enjoyed the privileges of the holder of the "Max+". "And this year received from the tax fine notification stating that I owe them 13% 13 890 rubles," — he said in the "people's rating". Notice from FTS came on the basis of the Declaration to the tax provided Alfa-Bank. It was specified income of the user, which he allegedly received from the Bank as a gift. The notice has caused confusion among former client of Alfa-Bank: since when for the gifts received on Bank loyalty programs need...

Two thirds of Russians have no savings, moreover, half of them do not expect to accumulate any amount in the next year, found the analytical center NAFI. Will discuss six strategies that will help you start saving money even with a small income. Habit, brought to perfection please Rate what percentage of income you can safely send to savings. Experts in personal Finance are advised to defer from 10% to 30% of salary. The most important rule in this strategy — first the delay, then spend. If you develop such a habit from difficult, you can open a savings account and configure auto-refill on the day of salary transfer or down payment — this service is offered by many major banks. Divide and save To the money to save, not spend, need motivation. For some...

The Company "Yandex" under threat of reorganisation due to a new bill to limit the share of foreigners in the Internet. What is happening to the largest Internet search engine, and what may end the dispute with the government for its shareholders? What are you afraid of foreigners "Yandex" — the largest Russian IT-company with a market capitalization of about $ 10 billion, its securities are traded on the Moscow exchange and Nasdaq. Until recently, the shares of "Yandex" has shown a good growth in three years, their cost has doubled. However, on 11 October the company has experienced one of the most powerful blows, losing during the day about 2 billion dollars, the quotations of its shares fell by 20%. The reason was the discussion in the state Duma the law...

In recent years the Central Bank has been actively penalize banks for illegal requests credit history of citizens. As these requests have an impact on the reputation of the clients and whether to punish credit institutions for excessive curiosity? In the "people's rating" and the forum Banks.ru users often complain of unauthorized requests for your credit history. Found it quite simple — such information is contained in the credit history. According to the law, Russians can request your credit history free of charge twice a year. First you need to find out what credit Bureau has your. Now in Russia there are 12 KJV and check every time — consuming occupation. To obtain this information through the state services portal (need a confirmed account) or Bank...

On the forum Banks.ru there are stories about the unexpected calls from collectors or MFIs with the requirement to repay the debt, the existence of which people were not even aware. Stories about derived copy of the passport microloans seem to have sunk into Oblivion, and MFIs have enough tools for the identification and verification of the borrower. Why scammers still manage to deceive microfinancial? In 2019, the Russians began a thicket to complain of the fraudulent loan to the Central Bank. So, for eight months of the year in the category of "Challenging the fact of conclusion of the contract", which including get complaints about making microloans online on a false passport, entered 1 206 921 appeals against the same period last year. however...

Banks have learned to monitor our financial behavior and to punish the disobedient denial of credit or small limits. How to fix reputation, and whether to get involved in this battle? Banks refuse loan (or offer products with higher interest rates) to borrowers with low individual credit rating — also called scoring points. The rating is a measure of the borrower's creditworthiness, expressed as a number. It assigns the Bureau of credit stories (BKI) based on available information. Each Bureau uses its own method, and in different office you will get different ratings. As a General rule, the higher the rating, the higher the solvency, and that means each figure could be found on the website of the specific credit Bureau. On the basis of an assessment of the...

Since September, the citizens of new OFZ-n, or "national" bonds. What returns and risks they carry? the Ministry of Finance holds the placement of the fourth tranche of "national" bonds of 15 billion rubles — Federal loan bonds-n n 53004RMFS. Paper face value of 1 000 roubles began to accommodate from 2 September 2019. The maturity date is 31 August 2022. The placement will be made until the end of February 2020. compared with previous editions, the Finance Ministry has expanded the list of authorized banks to four: OFZ-n offer Sberbank, VTB, Post Bank and Promsvyazbank. Buy "national" bonds in Bank branches and online. To buy a paper, you need to open a brokerage account with an affiliated broker. For example, in VTB paper is available in the application...

About 18% of the defaulters credit complain of the loss of income. "Daughter" of Sberbank offers its debtors to train robots — this will help you earn money and get rid of the debts. a Subsidiary company of Sberbank "Aktiv Biznes KONSALT" (ABA), established in 2013 as a collection Agency, in mid-September developed and launched project Elementary, allowing the debtor to earn money and to repay the debt. Told about it, speaking at the forum of leaders of the market recovery, the CEO of the company Dmitry Teplitsky. According to him, the debtors participate in the development of speech technology, which for several years actively engaged in the company. Within two weeks after the start of the project it signed up 200 people. "If our debtor's difficult...