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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 421 items

There are two different approaches to the financial relationships with the children: to pay for all needs and whims or strictly ask for every spent on the child a penny. What is better and more promising? the Apples from the Apple trees the Japanese are known to allow children almost all years up to 5-6, but then immediately comes maturity, responsibility, there are strict limits. The vaunted Japanese superèffektivnost ' apparently has its roots in such education. We, Russian, in contrast, or spoil children, and fully maintain them until middle age (I'd say Mature, but really it's the maturity!), either from childhood keep in the black body and sent into adulthood at the first opportunity. The consequences of both — real life stories. ...In one family grew...

The state Duma adopted the law abolishing national roaming charges from 1 June 2019. Does this mean that next summer you can use the connection throughout Russia home prices? And what about international roaming? So different roaming First you need to determine the types of roaming. After all, just recently all operators reported on its cancellation. So where did he come from again? It's simple. Strictly speaking, the roaming can be divided into three types: intra-national and international. on-network roaming is when a subscriber of the operator is in the network of this operator, but outside the home region. For example, you live in Moscow and are a subscriber of "MegaFon". Came to Samara, where the operator "MegaFon" provides its services. In this case...

Almost everyone older than 25-30 years anyway faced with credit: he took it to the Bank (or loan to a microfinance institution), evaluated the prospects for the emergence of credit in their domestic life, became a co-borrower or watched the fascinating life of fellow borrowers. Sometimes credit is a necessary need, sometimes to excess, often temporary replenishment of own budget for a major purchase. But everything changes when in the Bank they come borrowers who take out a loan in principle contraindicated. After all, these people don't know how to handle it. Portal Banks.ru has identified five types of such borrowers and at the same time prepared the tips for each of them how to get out of credit bondage. the Borrower, "flying in the clouds" He can not...

Official data on the annual results of credit institutions will be published by the Central Bank only in 2019. Banks.ru sums up interim results year to see what "wishes" came true players, and which are not. • Only for 11 months of 2018 profit of the banking system year-on-year has grown almost in one and a half times and almost reached $ 1.3 trillion. In August, Deputy Chairman of the Central Bank Vasily Pozdyshev predicted profit of the banking system by the end of 2018 at 1.2—1.3 trillion rubles. Obviously, banks will get more. • the Loans during the year grew at a double-digit pace. The fastest-growing segments — mortgage and unsecured loans. The Bank of Russia improved the Outlook on lending in October. • Reviews licenses has not become much less...

In Russia there is a tradition to reward employees awards and bonuses at the end of the calendar year. Who will get the biggest prize, and who pay a symbolic amount? In General, the country should expect growth in premiums by 6.55% compared to last year, and the amount of the premium, on average, can be a little more than 13 thousand rubles. This is stated in the study by the research service of the international auditing and consulting network FinExpertiza. The study is based on statistics of the December payments in the previous three years. New year payments, close in size to the 13-th salary, will be employees of the financial sector, extractive industries, government officials and the military. On average, the financiers can count on a premium of 82...

December is traditionally the month of the greatest number of seasonal offers of deposits from banks. How beneficial these proposals now? a Dozen leaders Despite the increase in the yield of ruble deposits in the last few months, in 2018 ends in Russia without double-digit interest rates on deposits. However, banks do not lose heart and his habit of massively launched seasonal, confined to the New year. According to the database Banks.ru, at the moment rates on deposits in Russia reaches 9% per annum. The best deals are "hand in hand" with additional products (coli, CNM), or with additional conditions (for example, the simultaneous receipt of the card installment). It was the eve of the New year the most profitable offer for you may be a seasonal...

Sberbank has lowered its forecast for the ruble in 2019. And he's not the first: last months the pessimistic mood has taken hold and the Bank of Russia, which expects a surge in inflation to double digits, as well as rating Agency Fitch, downgraded its forecast for Russian GDP growth, and many other agencies and companies. On this background, the forecasts for 2020 and subsequent years look too optimistic. What bad happened this year, forcing analysts to rewrite the forecasts for the coming 2019? And what will happen next that will change our lives for the better? Vicious circle a lot has Happened. To the new, 2019 Russia came, surrounded by many issues: sanctions, taxes, the decline in oil prices, the threat of slowing global economic growth. "A notable...

Over the past year the average amount of consumer credits has soared by 26%. There are banks, where the average loan amounts to 800 thousand rubles. What risks are banks giving millions without bail, and their customers? the Banks suddenly "inflated" the size of the cash loans, some are willing to give a million rubles without collateral. What is the explanation? Greed customers or the need to implement the plan? the"How the Bank calculates an offer like that?" "I average income by the standards of Moscow, and if we subtract from it the rent for housing, you get a figure close to regional salary. But my salary Bank regularly sends text messages, which reported that I approved a loan of over a million rubles. It would be interesting to know how the Bank...

Accelerated transition to settlements in national currencies "will strengthen the ruble, and create demand for it," said the head of VTB Andrey Kostin in an interview with Elena Isaevoj on Banks.ru. How realistic is this plan? de-Dollarization will strengthen the ruble, said the head of VTB Andrey Kostin. His idea to abandon the us currency banker expressed more in the summer amid expectations of another tightening of sanctions against Russia. The Russian President supported the idea. Later Kostin in an interview even admitted that foreign currency deposits in the Russian banks can be converted into rubles. The people understood the hint: in August, the outflow of currency from the Russian banks, according to various estimates, ranged from 1.3 billion to...

The average client's investment companies and banks differ by gender. Most of the clients of the investment firm, men aged 40 years, and a number of traditional banking products are largely female. Statistics use of financial products suggests that men try to increase money, and women — to spend or to save for a Deposit. Whether this is due to the gap in income levels or because in our culture women ought not to think of earnings? "Have the leisure time, advanced sports" to Deal with the accumulation of capital can afford mainly active men who have their own business at the age of 40 years and older. "If to speak about investments, our main target audience are men from 40 years, family. They clearly understand their goals and monitor the budget, they have a...

Want the fridge he bought the products, the machine itself is refueled, and the phone sent notices about the actions that would be of interest to you specifically, and were in close proximity? If not — we have some bad news for you. "Accept the fact that you live in a transparent house" With the advent of transaction history the world is becoming more transparent. And if people for some reason want to be 100% sure about it no one will know, then, unfortunately, the only solution is a complete rejection of the use of phone, computer, banks, and payment cards. As soon as you picked up the phone the minute you leave your "digital footprint". According to the head of digital transformation VTB Alexey Chubar, at the moment it is technically impossible to build a...

, the Central Bank intends to struggle with loan sharks, and they are finding new ways to hide from the all-seeing eye of the regulator. What profit have modern percenter who comes to them for money? the Bank of Russia in the framework of the fight against illegal lenders offers to deprive them of the right to demand from the borrower repayment of the debt, including in a judicial order. The regulator has prepared amendments to the laws "On consumer credit" and "On microfinance" on which illegal lenders (natural or legal person providing the loan more than four times per year and is not regulated by the Central Bank) will not be able to require repayment of loans. So the Central Bank is trying to stop the practice of mass granting illegal loans to the...

Christmas is a time not only magic, but also a total lack of money. Studies show: spent on the table and gifts Russians often borrow in early January. Analyze how to capitalize on the new year festivities, instead of spending money with credit cards. 1. "Konyok-Gorbunok" What you need: car, rights and money for gasoline for anybody not a secret that the price of a taxi during the Christmas holidays off at least three times. And about new year's eve and say nothing. So you can earn money as a taxi driver and is guaranteed to receive orders in advance with the dispatch service of taxi in your city. To implement this idea, it is enough to have your own car and be willing to trade a festive evening in working hours. you Can earn twice as much, offering the...

Small GDP growth should not mislead us. The protracted stagnation in the Russian economy does not mean that tomorrow will not be worse. Banks.ru found nine threats to the future of our economy. the Latest news increasingly raise the question whether Russia is on the threshold of a new economic crisis. However, it is often possible to hear the answer: "And we have the previous has ended?" the Signal 1. Incomes: money is not and never will be the Russians are all large pessimists, shows a fresh poll. The index of assessments of the economic situation fell from 59 points in 2017 to 43 points in 2018. Diminished by his fellow citizens and social optimism (40 points compared to 63 points last year): only 25% expect an improvement of their situations, the same...

Husband borrowed a large sum of money and was unable to return it. Had to pay money from the Deposit, open wife. Than run the risk of "second half" of those who are embarking on a financial adventure. the contribution of the wife to credit husband Spouse of Catherine M. has borrowed from a friend a large sum. But to get the money back failed. His creditor went to court and obtained a judgement for the recovery. It didn't help him to return the borrowed money, as no property of the debtor was not. Then he again went to court, this time with the requirement to allocate common property of the spouses share of the local borrower. The only property that was able to find was a Deposit, issued by the wife. The woman tried to defend their savings in court, but the...