Posts Tagged ‘finance’

Bank Loans

25.04.2011
17:01
Comments Off on Bank Loans

Yet, having met with the spirit, the customer collects a last effort in a fist and transforms into a desperate counterattack: "So you said, You promised Where can I get bail? How much do you have spoiled my nerves, "etc. Thinking and making a few calls, he nevertheless agrees to these conditions. But the client in this round may be a surprise when it turns out that for a loan he applied to several banks. And now – the culmination of the battle: at this stage, the client may be sent to the canvas by the bank when he still refuses to grant credit. This is possible if the bank learns that the official salary of the customer's minimum, possibly, Sa find something, or maybe just on the committee some of its members, being not in the mood, "cut down" the loan application. Much worse where the bank already issued a letter of guarantee for the loan and the borrower well designed data sheet on the car, suddenly refuses to credit for some re-finding.

Often, it is either negative credit history, or does not match information on wages actually. In this case, the aid is likely to come motor show, because car-it is already designed for the customer and the money for it has not received. And the client has already spent money on car registration in the mpeg (3% 400 $). The situation is very complicated and the upshot of it is always his own. The client here, too, could be interesting tricks. Understand what the manager did not achieve, he begins to seek assistance in the form friends, working or associated with the bank, to somehow influence the situation. If not found, then turns to the loan broker and questions begin to be addressed. In this scenario, costs will increase by another 500 $ -1500 $, but the results can surpass all expectations: the bank suddenly changes his attitude, and rang aunt tells you that the issuance of the loan tomorrow, no more documents do not need a passport, code and money on commission.

Here Some understand that the additional costs incurred anyway, but my nerves are not preserved. Many have criticized such work brokers say, is not lending, and "reshalovo. But the bankers themselves, and this situation created. If there is room for "Reshalova" means the bank is doing something wrong. Naturally, the latter does not apply to the broker with the use of illegal action.

Expiry

23.04.2011
23:41
Comments Off on Expiry

In 2010, banks abruptly began cutting rates on deposits after the refinancing rate, which fell to a record low. Now the banks offer us the contributions of up to 11% in rubles and up to 6% in dollars and euros. And this is not the limit: because of the high liquidity, reducing the refinancing rate (the rate at which the central bank provides loans to commercial banks), banks become profitable to take money from the population at high rates when they can take the credit a lower percentage of cb. In connection with this condition in the banks for the newly opened deposits are becoming tougher. In particular, where the percentage is still relatively high, not provided for the completion of the contribution, the monthly capitalization.

Nothing remained of contributions to the removal of the deposit amount before the expiry of the payment without loss of interest (only at the rate of demand, which is less than 1%). All this makes the Depository deposits less attractive and profitable. What can we do for those who want to open a new contribution or those who are due payment of the deposit and must be determined from the released amount? Invest in something else? How about those who do not want to take risks and wants to receive a guaranteed percentage of the bank? Open a new contribution to a low interest rate, which is lower than inflation? But then you did not earn and lose money. Train with high deposit rates did not catch up, and when will next is unknown, probably when the next crisis was coming.

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