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Clear guides to microloans, cards, loans, banks and financial services.

622 articles in the journal
Blocking the card
03.12.2022

Blocking the card

Card blocking can be either a planned event, if the card owner wants to block it, or an unpleasant surprise if the block is imposed by the bank. But...

Co-borrower
03.12.2022

Who is a loan co-borrower

The difference between a borrower and a guarantor lies in their rights and obligations. A guarantor is a guarantee that obligations to the bank will be fulfilled in...

Tax deduction
03.12.2022

Tax deduction for pensioners

Both employed and non-working pensioners can apply for the service. Today, the state allows 5 types of tax deductions: standard, social, property, professional, and investment. But...

Loan repayment after death
03.12.2022

Who pays the loan after the borrower's death

A situation such as the death of the primary borrower is necessarily included in the text of the loan agreement. Financial organizations protect themselves in every possible way against potential non-payment of the loan,...

Seizure of salary card
03.12.2022

Bailiffs seized the salary card

The first thing to remember is that bailiffs do not have information on which card is a payroll card and which is not. They simply search for any accounts of the defendant and...

License
03.12.2022

What to do with a credit card if the bank's license has been revoked

Помимо кредитных средств (лимита по карте) на счете кредитки могут храниться личные деньги клиента. Банкротство банка автоматически закрывает доступ к счету: снятие…

Loan approval
03.12.2022

How to find out if the bank approved a loan

Зачастую банк может одобрить человеку кредит еще до того, как на него поступила заявка. Либо одобрить его до того, как заемщик принесет…

Lower the interest rate
03.12.2022

How to lower the loan interest rate (after approval)

Банками используется не фиксированная процентная ставка. Это означает, что по одному и тому же продукту двум заемщикам предлагаются разные условия. Принимая решение…

Customer evaluation
03.12.2022

What criteria banks use to evaluate customers

Кредитоспособность — это объем кредитной нагрузки, которую заемщик может взять на себя, с последующим добросовестным исполнением обязательств по договору. Иными словами, это…

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