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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 437 items

If you find that mobile communications suddenly began to cost you significantly more, you need to understand where funneling money from the account of the phone. Let us examine why these costs are rising and how to reduce them. At the end of the 90s mobile communication was a real luxury, and people with heavy tubes in the hands caused other burning envy. But soon, out of the goods of "luxury" cell phones have become a necessity. Now the communication is, in principle, inexpensive, so we often do not follow the costs. But in vain! Because here you can lose a lot of money. Anyway, why pay more? So where did the money go from your mobile phone? 1. Beyond the included package most of the existing tariffs include a certain volume of services: minutes of...

During the previous week the Russian stock market has declined, but remains near historic highs. What to do in this situation to investors, because the stability can't last forever? Market paused the Domestic stock market took a corrective pause. Just a couple of days Mosberg index lost nearly 2%. The main factor for sales of steel news from Congress, where it approved restrictions on the purchase of the new Russian debt. The news is very painful for foreigners from April again began actively buying OFZs. According to the Central Bank, non-residents now own 30% of the market of ruble government bonds and their share in the Eurobonds of the Russian Federation — more than 54.5 per cent. the Most cautious hastened to fix profit and to leave papers, and this...

The Association of Russian banks supported the abolition of high fees for transferring money between accounts and deposits opened in different territorial divisions of one credit institution. Who will win and who will lose from the introduction of such a ban? "That the Commission, Creator of" to prohibit a higher fee for interregional transfers within the same Bank suggested that the Federal Antimonopoly service. Together with the Ministry of Finance and with the participation of Bank of Russia the Federal Antimonopoly service devised a draft Federal law "On amendments to article 29 of the Federal law "On banks and banking activities". "under the bill the changes are aimed at eliminating regional discrimination of consumers of banking services, which is...

Going on holiday abroad, we often wonder to AK more profitable to pay abroad. To open the currency account or to go with the ruble card? Is it worth to withdraw cash from local ATMs? Which currency to choose, if the store offer to calculate the amount of the purchase immediately in rubles? Will explain how to pay abroad to avoid extra charges. will Look for a start how goes cashless payment. When you pay for the purchase with the card abroad, the terminal in the store sends a request to a local Bank that it serves. Next, the request is forwarded to the payment system (Visa, Mastercard or others). That, in turn, drawn into your Russian Bank. The financial institution verifies whether the necessary amount in your account and blocks it. The payment system...

Olga died summer evening of June 19, right in the supermarket "BILLA". Well as dead — she tried to pay with the card of Sberbank. The payment did not go through. "Sometimes," thought Olga and got another card of the same Bank. The result has not changed. In the end, paying cash, Olga went to the mobile app that has been the message: "you do not Have active cards, deposits and metal accounts". Olga, who served on the system "Prime", got in touch with his personal Manager. He offered to drive up to the Department to clarify the situation. "We should mark that you died", — explained in the Department that night the disappearance of accounts. Strange, because Olga felt quite good, except for the discomfort caused by lack of money. "Funny feeling, I must say..."...

To Open a brokerage account and start trading on the stock exchange is now possible from the comfort of home. Banks.ru tested online services of the leading investment companies and banks. Managers of banks and brokerage companies lure new customers, promising them a fabulous return. With the development of online services become an investor easier. Especially in the last year on the Moscow exchange earned technology online registration, enabling you to access to trading in just a few minutes after application. In August, the exchange promises to speed up the registration process on the futures market. I decided to learn from their own experience how quickly in reality you can open an account and start trading on the stock exchange and what it takes. For...

Of the Credit organizations set up laboratories to invent new methods of influence on customers. What are they invent? Large banks are exploring a variety of techniques for the most efficient interaction with clients. Some report publicly, others prefer not to disclose the details. So, the savings Bank this year announced the creation of the Laboratory of neurosciences and behavior, which will carry out research in neurophysiology, social psychology and cognitive science, and implement the results of scientific research in everyday practice of companies of Sberbank group. The supervisor of the laboratory has become a well-known scientist Andrew Joyce brothers here. One of the methods that banks actively explore and implement, is psihoterapiya: customers are...

The Founder of Baring Vostok Michael Calvey is no longer Chairman of the Board of Directors (BOD) of the Bank "East". It was replaced by Svetlana trukhanovich, who worked with Artem Avetisyan in the Bank "Uniastrum". So "East" has completed the formation of the main body control after the arrest of Kabir and other representatives of Baring Vostok. the Association of Uniastrum Bank and "East" was completed in January 2017. Since then, lenders have had four Chairman of the Board and five appointees of the Board of Directors. In February 2019 was arrested the head of the Board of Directors Michael Calvey and his colleagues at the Baring Vostok and SD. They are accused of embezzlement of funds of the credit institution. In law enforcement agencies then...

Visitors to the Banks.ru often complain in the "people's rating" of the overdraft and the fee for it. What it is, where account is taken of the negative amount, and why you have to pay? the Overdraft on the debit card is "overrun". That is, the Bank allows the client to go in the negative. Not free, of course. In fact the overdraft is a type of short loan. For him the interest and delay is subject to penalties and interest. the Allowed overdraft the Overdraft may be authorized and technical. The allowed overdraft is the one that was connected to your desire. Connect the overdraft on the stage of card issuance, or after filing an application to the Bank. Of course, if the credit institution offers this service to its customers. After receiving your...

Information about the status of customer accounts can be obtained not only from the insider-banker who sells them on the black market. "Punch" the data, you can use useful services like voice assistant of the savings Bank. To the editor Banks.ru turned employee of the operator and said that he had discovered a loophole that can be used by attackers. To check the card balance and recent transactions the victim, you can use the voice assistant of the savings Bank — just call the Bank on behalf of a potential client-target. "Punch" without data "plum" "Hello, Olga! Sberbank, I am your voice assistant. I can solve most of your problems. Just tell me how I can help," says helpful virtual employee of the savings Bank. I'm not Olga, but by saying the word...

Banks in Russia are touting actors, athletes, TV personalities and ever — rappers. "FC Opening" first decided on such a step, choosing as Ambassador Basta. Banks.ru understood, care whether a musician financial topics. Marketing campaign "FC Opening" will be launched in July, said the head of marketing and communications credit institutions Yevgeny Sidorov. The face of the brand for the next two years will be the rapper Basta (Vasily Vakulenko). The contractor is the best suited to promote the "new state Bank", which wants to become "Discovery", say the representatives of the organization. Basta admitted to a promotional contract, was not a client "Open", but now ready to get a credit card with kasbekar and move to settlement and cash service to the Bank...

Authorities intend to cancel the taxes for owners of gold bars, Unallocated bullion accounts. Whether it will allow to make an investment in precious metals a mass product for the Russians? Russian lawmakers have offered the Russians an alternative — instead of us currency to buy gold bars. And to whet the interest of citizens to invest in precious metal, they are going to abolish VAT now have to pay gold owners at purchase. It is also proposed to exempt from tax the income of citizens, opening Unallocated metal accounts, and the accounts themselves to insure Agency similar to Bank deposits. These proposals were made by the group of senators of the Federation Council, has prepared a bill, which if approved shall enter into force from January next year. As...

Apartments for sale in a mortgage gives you the right on a tax deduction from the value of the property and from the interest on the loan. In the first case it is possible to return 13% of the housing cost but not more than 260 thousand rubles. By paid interest you can get up to 390 thousand rubles. Who is eligible for the deduction, and how to return the taxes are paid? Who can rely on both a tax deduction? - You officially are working and paying income tax at 13%. Individual entrepreneurs deduction is not allowed. - have You bought an apartment in the mortgage in Russia. No matter, bought the apartment from individuals or companies in a new home or old. The deduction can be obtained for the purchase of land and building your own home (most importantly...

Prices for apartments are rising and with them the size of mortgage loans. Whether to apply for a mortgage now or if it makes sense to wait for lower prices? Mortgage explosion Average cost per square meter in the secondary housing market of the capital (excluding New Moscow) in 2018 rose 16% and exceeded 200 thousand rubles, according to the analytical center of INKOM-Nedvizhimost. This is the maximum growth over the last five years. There are several reasons, but the main one is the mortgage. Last year the Russians took a record number of mortgage loans — 1.5 million for a total amount of 3 trillion roubles. "Price growth contributes to the rapid growth of the mortgage market, — says head of investiga "BCS" Narek Avakian. — The growth of mortgage lending...

Trade on the exchange deters many of those that have to bear the costs, in contrast to contribution, where all seems free. Tell, to save and where to earn. Lower panel the Basic item of expenses of any investor – Commission broker. As a rule, brokers there are several tariff plans that may or may not work for you depending on the amount and how often you intend to make transactions with securities. The General principle is the same for everyone – you pay based on the amount of the transaction. However, some companies set a minimum fee. Therefore, if you do not plan to invest large sums, it is necessary to clarify how much you pay for each transaction. The more the amount of the transaction, the smaller the impact on investment returns provided by the...