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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 395 items

, the Central Bank predicted that in 2018 the share of cashless payments in Russia will exceed the share of payments in cash and will be 55%. But research RIA Novosti shows that over the 12 calendar months ended October 1, 2018, only 43% of their payments to the Russians conducted using Bank cards. At the same time in 2017 with the help of plastic cards were 36% of the payments. Thus, in Russia, the popularity of paying by credit card is still growing. Darya BELENKAYA, Natalia STRELTSOVA, Banki.ru

People may experience in relation to money as love and hatred. On the one hand, it is possible to love money, as they allow you to shop and get the emotions associated with these purchases. With another when the deficiency or lack of may feel that they are in control of our lives and we are their slaves. Analyze when adequate attitude towards money develops into painful. You do not want to spend money There is a concept of savings, and there is significant discomfort from the natural everyday spending. In Russia strong enough psychology, "survival", when people buy only the most necessary and think fun something unacceptable or even shameful. For example, you're standing at the checkout in the supermarket, look at the total amount on the check and feel...

Mortgage Explorer Banks.ru Anna DUBROVSKAYA "marked" for 2.5 years, and refinancing is just over a year. Why the first was easier to live than with the other? hi All. A year without news about me and my mortgage. And you probably think that everything is very bad? As it is not so! Blame it. But not without incident. will Remind, in July of 2016, I have a mortgage, and in December of 2017 have already refinanced. First, let's deal with the numbers In the course of refinancing my loan rate has declined from 13.5% to 9.25% per annum and the monthly payment was reduced from 50 thousand to 38 thousand. However, in fact, I increased his 12 month loan term, because in 2016, has applied for a mortgage for 15 years, and during refinancing again set the "bar" in 15...

High oil prices and a pause in trade war keep the ruble from the yearly highs. But this is a temporary lull: the impending anti-sanctions able to send our currency into another knockdown. the calm before the storm the Russian foreign exchange market still lives in suspense. Many, seemingly most innocent, the statement by the fed or new allegations by U.S. congressmen immediately lead to the weakening of the ruble. For example, in mid-February, our national currency slipped sharply against the dollar and the Euro amid reports that five U.S. senators introduced a bill on new sanctions against Russia. Moreover, the text of the bill has not been announced, released only release. But this was enough for the dollar at the close of the market rose above 67 rubles....

Out of poverty will be signing a contract with the state. This method of support of citizens used during the great depression in the United States, in Western Europe after the war, and now decided and in Russia. an Effective way to combat poverty is to have a system of social contracts, said Russian President Vladimir Putin during his address to the Federal Assembly. "The state should help people get out of difficult situations. Working mechanism of such support may be social contract. How it works? The state provides assistance in employment and training, provides financial assistance for the organization of the farms or their own businesses. For each individual plan is developed. Man, in turn, undertakes to undergo retraining, to find a job to provide his...

The Capitalists and the oppressed working class — it is only our yesterday or our tomorrow? What happened to the Russian middle class, which until recently politicians and economists have such high hopes? the Real disposable incomes of Russians decrease for the fifth consecutive year. For 2018 they fell towards 2017 another 0.2%, and since 2014 fell by almost 11%, cites Rosstat. In January 2019, the fall accelerated: the average income in annual terms fell by 1.3%. The Ministry of economic development thus argues that the poor Russians began to live better, but the richest worse. However, it seems it is not. For the bulk of Russians working life is getting harder, and there are objective reasons in the state of our economy. However, and abroad the situation...

Continuing the series of articles about the intricacies of inheritance, Banks.ru says that in some cases of inheritance should be abandoned and how to do it. In June last year we published a story about a woman who wisely refused from the inheritance of her husband and thus saved themselves from liability on his loan. Daughter who one joined in succession, with half the apartments have also inherited his father's half million loan. Will explain how to do so, to not answer other people's debts. to Reduce the debit with the credit not everyone knows that the heir of the debtor, subject to the acceptance of the inheritance, he becomes a debtor and is liable to the creditor. The good news is that he answers only to the value passed to him the hereditary...

The February decline in stock indices is a great reason to consider buying shares. Especially if you decided to invest in the securities of companies with good dividend payouts. the Dividend strategy has traditionally enjoyed success in the Russian market. This is no accident: the average yield payments to domestic issuers one of the highest among the world market — about 6%. On this indicator our market is a leader among other developing countries. In 2019, according to forecasts ITI Capital, dividend payments can be up to 10% of the market capitalization, and profitability — a record 7%. especially on the acquisition of securities of companies with good dividend yield it is worth considering in periods of market decline. For example, now many stocks are...

If the number in the database of the operator do not match with passport, you will not be able to perform some operations. And the operator may at any time to block your number. What to do? it would Seem that our mobile phone number is something clear, self-evident. But, having lost it, once you understand how much you care! The mobile number is linked with social networks, Bank cards, accounts of various sites and applications. And the friends know this number to contact you at the event. Loss of numbers is just a "loss of loss"! Unfortunately, this can happen. No operator change or SIM card restore Even in this digital age not all operations with a mobile number can be done online. Some of them will have to come to the operator's office with a passport or...

To Lose money, answering a call from the Bank. What phrases indicate that it is necessary to hang up and immediately contact the security service? the presenter of the channel "Match TV" Mary's Command to phone scammers stole the money from the savings account in Alfa-Bank. Called her from the number of the credit institution, and when she called back to the Bank, they confirmed that she communicates with the security officer. At this point it's really trying to reach "bezopasnik" of the Bank, but as the line was busy, to do he has failed. And scammers, after being on line a total of three hours, could withdraw 90 thousand rubles. "The fraud was very important that I was on the phone and did not sign in to your account", — she wrote. According to Mary...

Birthday — a sad holiday if the Bank thinks your passport is invalid and will block access to accounts, and deposits. Whether legitimate such actions? FINTECH and digitalization can break about the usual bureaucracy. It happened with a few readers of the Telegram-channel "Finaid". They complained about the actions of banks that take customers from remote services after the "banging" of 45 years. Banks require individuals to provide the new passport details for identification, but the procedure is available only in the offices. Such rules, for example, operate in Sovcombank and PSB. "February 1 friend 45 years old. You have to leave all the money and even a brokerage account. No call, no word. Just lock the personal account and card. Require to bring a new...

The Active positive credit history, then there is at least one fully repaid in time a loan can be a "conductor" in several areas of life. Portal Banks.ru tells five real stories about it. No credit no job? this year the Muscovite Margarita Stepanovna decided to change the current place of employment, where she worked for nearly eight years, but faced an unexpected difficulty. "I was interested in working only in the public sector, I know well this area, she says. But in at least two places turned me down, citing as reasons the lack of credit history. That is, in fact, I was given to understand that since I never took out a loan, here for me. I never thought that the habit of living modestly, but its ever "haunt" me in a negative way". Margarita Stepanovna...

In addition to the popular committees, which are known to every entrepreneur, in some banks there are that may come as a surprise to the client. Moreover, both pleasant and not. Thanks to some of these commissions, the customer can save or get unusual and useful services, such as participation in the seminar on the currency law. Other commissions, on the contrary, charged for services that have long been free on the market or were never paid. In the framework of the initiative monitoring of tariffs for banking small business Business Banking Fees Monitoring in 2018, we collected information about strange, rare and unusual payments in top-20 Russian banks by queries about opening an account in the search system "Yandex". All data were collected from public...

In a Network appears more and more offers to complete different surveys for the money. Most often in the sights of customers of large banks. Who believe free cheese in a mousetrap and how to fight with him company? "it looked very serious" Who does not want to big bucks for ten minutes easy work? Here and dozens of Russians fell for this tempting bait, agreeing to take a survey allegedly from one of the largest banks. In fact, victims are much more informally, say representatives of the banks, the tens is the number of times that people told themselves publicly in various forums. And how many people did not publicize the fact that they are easily able to cheat?.. "I then just had a problem with money, and then the Internet saw an advertisement for "Take a...

The Government and the Central Bank said reducing inflation is one of the main tasks, however, its level is significantly ahead of forecasts of officials. Some methods of dealing with rising prices and why there are not all of them are effective? inflation is What we need In 2018, prices rose by 4.3%, according to the data of Rosstat. Even if skeptical of official statistics, this figure is significantly higher than the forecast that were previously announced by the officials. In the end, the recognized head of the Central Bank Elvira Nabiullina, this year "we are no stock by the level of inflation, which was earlier, and forecast a significant increase in inflation." Max, who voiced the regulator — 6%. Such price increases may be in the first quarter, but...