среда, 13 июля 2011 г.

Interest-free loans - new scam

Find the answer to this question that drives turn to an analysis of two major banking programs offering interest-free loans. This installment (buying goods on credit) and car loans. We consider each of these options in detail. "Basic conditions of interest-free loan (term, application procedure) remain generally unchanged. However, the bank is not without its rewards due to him. In this way, only redistributed to the interest rate yield on the commission," - said Chief Financial Officer "ProstobankConsulting" Alexander Grizzly, The most frequently used one-time and monthly commission. Disposable commission is calculated on the loan amount (purchase).

For example, at the cost of goods in 1000 USD and a one-time commission of 20% in fact, the bank will have to pay 1200 USD. Monthly fee varies between 1-3% and is calculated on the outstanding balance or the full amount of the loan. Naturally, the second form of monthly payments is less favorable. In this case, additionally have to pay the bank in the form of monthly fees 12-60% per annum of the purchase price. Thus, the effective interest rate (total cost of the borrower) may reach 80% per annum and above. In addition to disposable and monthly commissions, in practice there are additional fees: the fee for consideration of an application for a loan and execution of its issuance, the monthly fee for maintenance of credit accounts and credit support, the fee for the loan in cash, commissions on transactions with credit cards, etc.

On the eve of holidays widely used interest-free loan scheme to include the remuneration of the bank in the future price. For example, the overvaluation of goods from 1000 to 1250 UAH. These 250 UAH and are the percentages that store (in fact the client) will pay the bank loan. Also, the borrower on interest-free loan offer to pay the first installment. When it comes to buying expensive items like cars, pay 10-20% of its value can not everyone. In granting consumer credit risk the bank is much higher than the mortgage or car loans, since loans are available with virtually no collateral. In this regard, Alexander Gray noted that "in recent years, many banks have switched to more risky lending, but also more lucrative. The effective interest rate on bank loans to express an average of 80%." In other words, the increased risk of loan default, including interest-free, increases the cost of banking products. To reduce the risks in some cases, banks require customers to pay the initial fee.

"On the one hand, reduces risks, and the other shows on the solvency and serious intentions of the client. As a general rule, the banks that charge a large one-time fee, do not require a down payment," - stated Gray. Here, however, the client can lie in wait for another trick. When paying a down payment accordingly reduces the size of the loan and interest thereon payable to the bank. While one-time commission serves as an instrument of income of the bank, confirming solvency of the borrower. But its payment on the loan amount is not affected. Therefore, other things being equal, more profitable loans with an initial payment than a single commission. We have already discussed the benefits of payments for goods purchased in retail outlets, with the use of credit cards, because the pay commission (about 2% of the purchase price) will be a seller.

The latter circumstance leads to sometimes unmotivated refusal to accept the card for payment. As for the car loan, then the corresponding range of bank programs have long been used in Russia. Among them: quick loans, buy-back (at the end of the contract or the borrower can pay the remaining cost of the loan and leave your car at home, or sell a car dealer at a predetermined price in the contract and purchase a new model), trade in (an old credit machines), factoring, loans for used cars, zero loans, auto loans with no down payment. Option-interest car loans provided to Russia several schemes. In the first case, the manufacturer or dealer when buying a car on credit to a borrower makes a discount, which equals the rate of interest on the loan. Thus, when buying a car worth 100 thousand dollars the borrower pays the bank the said sum, and a car showroom, offering a discount of 15 thousand dollars, they pay the bank in interest. Thus, the borrower actually interest-free loan will be. The second option - factoring. Car dealer gives the customer the opportunity to buy a car hire and assign its rights to the installment to the bank. The borrower pays in the cabin of the car price, the remaining amount paid in installments to the bank. Interest paid for the use of loan auto show, since he ceded to the bank debt (just received the money) and the service is required (factoring) to pay. In some cases the provision of interest free car loan payment increases of the insurance company with which the bank operates. The Ukrainian market for car loans so far behind a similar market in Russia for 1-2 years. This, according to Mr. Gray, to the fact that "this scheme are complex, and the risks are high.


In addition, the Ukrainian market, competition among banks is not so strong, and there is a simple mechanism to increase the attractiveness of automobile loans: increased credit term, a loan to buy a used / have cars, and others. "Thus, in most cases, interest-free credit is not other than good advertising. Moreover, the Law "On Banks and Banking Activities" to provide interest-free loans are prohibited, except as provided by law. By the way, Russia's Supreme Court has already recognized the validity of claims about the illegality of charging Rospotrebnadzor banks additional fees and fines when servicing the loans. From now on, the courts may deem illegal commissions and fines of almost all Russian banks involved in lending to individual persons. While it is often the commission and ensure the profitability of banks in interest-free loans.

Choosing a credit program, it is necessary first of all, read the terms of loans denominated in the contract. Moreover, before signing the document, rather than after. In this case, Alexander Gray noted that "interest rate - is the most accurate and honest way to determine future payments on the loan. As a general rule, those banks that use interest rates are cheaper resources, and they do not have to resort to various schemes to improve visual appeal of their products "- summed up the Grizzly. Analysis of core banking software (and car installments), which offers interest-free loans, showed the following. The most profitable loans, where the emphasis is on interest rates. For example, a small interest rate and one-time commission. Or, interest-free loan and a one-time commission (19%). More expensive are those banking products that use the monthly fee. The effective interest rate on these loans can reach up to 80%.

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  19. FINANCIAL BREAKTHROUGH

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    First name......
    Middle name.....
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  70. I am MR. HARRY certified loan lender,I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i MR HARRY is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up working capital loans, construction loans ,car loans, hotel loans,and student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don’t you try. MR HARRY Loan home and be free from debts any interested.

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  71. Greetings to the entire public,
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  72. Forget your previous experience of going by any traditional financial support if you have. As we all know that matter is sorted out after many days under any conventional cash help of UK finance market, quick rescue is nothing but a dream for everyone who selects such kind of alternative for him. On the contrary, applicants only have to put their least efforts to clear up their fiscal crunches as this particular monetary alternative contains few activities which are conducted instantly also. Registration formality is an initial one which is performed by applicants via online mode. Thus, immediate registration is not a difficult ask at all. 500 pound loans http://www.1monthloankey.co.uk/150-pound-loans.html
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  73. Do you need Finance?
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  74. Good day, I'am Tony Tek, A private loan lender who gives out loan to individuals, companies, and government establishments at a low interest rate of 3%. We know that there are lots of families out there who live on pay to pay check and others that cannot take care of their financial obligations and for this reason we are here for financial restoration. Are you looking for a loan to pay your school fees, car loan, business loan, project financing, home bill loan ETC. Kindly respond immediately to this EMAIL: tonytekinvestment@gmail.com OR Hangouts
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  75. Good day, I'am Tony Tek, A private loan lender who gives out loan to individuals, companies, and government establishments at a low interest rate of 3%. We know that there are lots of families out there who live on pay to pay check and others that cannot take care of their financial obligations and for this reason we are here for financial restoration. Are you looking for a loan to pay your school fees, car loan, business loan, project financing, home bill loan ETC. Kindly respond immediately to this EMAIL: tonytekinvestment@gmail.com OR Hangouts
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  76. Hello!
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  77. WELCOME TO Marian Hoffman.finance loan company@gmail.com our goals is to provide excellent professional service.

    Are you a businessman or a woman? Are you in some financial mess or do you need funds to start your own business? Do you need a loan to start a small-scale pleasant and medium business? Do you have a low credit score and are you finding it difficult to obtain equity loan from local banks and other financial institutes?

    Our loans are well insured for maximum security is our priority, Our main goal is to help you get the services you deserve, Our program is the fastest way to get what you need in a snap. Reduce your payments to ease the pressure on your monthly expenses. Gain flexibility with which you can use for any purpose - on vacation, for education, for exclusive purchases

    We offer a wide range of financial services, which includes: Personal loans, debt consolidation loans, business loans, education loans, secured mortgage loans, unsecured loans, mortgage loans, Payday off loans, student loans, Development Loans , Acquisition Loans, Construction Loans, with low interest rate of 2% per annul for individuals, companies and legal entities. Get the best for your family and own your dream home as well with our general loan scheme.

    WE OFFER ALL TYPES OF LOANS - APPLY TO AVAILABLE LOANS.

    Please contact us for more information: Marian Hoffman.finance@gmail.com
    Please write us back with the loan information;

    PROVIDER INFORMATION

    1) Complete names:
    2) Country:
    3) address:
    4) Condition:
    5) Gender:
    6) Marital Status:
    7) Occupation:
    8) Telephone number:
    9) Monthly income:
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    If you are interested in getting a loan, then kindly write us with the loan requirement.
    Please contact us for more information: Marian Hoffman.finance@gmail.com

    Best regards,
    Mrs. Marian Hoffman
    Marian Hoffman.finance@gmail.com

    We look forward to hearing from you as soon as possible.

    Interested candidates should contact us by e-mail: Marian Hoffman.finance@gmail.com

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  78. Hello
    I am Mrs Marian Hoffman, loan lender, we offer all types of loans, such as personal loans, mortgages, real estate, corporate, investment, commercial, debt consolidation and much more with an interest rate of 2% . Are you looking for a loan and have your bank or other financial institution rejected it? Do not worry anymore contact us today, we offer loans from the minimum range of $500,000.00 to the maximum range of $100,000,000.00 . If you are interested, contact us by email: marianhoffman.finance@gmail.com

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  79. Hello my name is William Luke I live in new York city last week I was looking for an urgent loan of $ 100,000 to start a business and pay my bills that I applied for in a company called Rank Carlos Loan Company in South Africa. I was cheated about $ 2,000 since last week I was still looking for a loan, but one day I saw that Darwin published on the Internet how he was charging his loan, so I followed the link below the email address {marianhoffman.finance@gmail.com } Then I applied for a loan of $ 100,000 but before applying, I was afraid I would not be scammed again, so I put all my work with God and Laura Smith, so I requested it. I immediately requested that I obtain the loan in 1 hour in my bank account here in new York city, so I want to use this. Little opportunity to tell everyone here in new York city not to apply for any loan that is not insured and that I know there are many lenders who are not really, but in this case of Mrs. Laura Smith, I trust her for my satisfaction of that she is really and her loan is insured so I send her today under her contact address (marianhoffman.finance@gmail.com) and Mr. William Luke is also here to hear her own testimony like me because I can not keep This great story just from my heart, that's why I share with each and every one the good things that Mrs. Laura Smith has helped me and my family, so stay in touch to meet Mrs. Laura Smith and redeem your loan without any street and disappointment waiting to hear your great testimony and today my life has changed history to Glory and God bless you and your family following the good of our country new York city and God bless Mrs. Laura Sm i the and his family too.

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  80. My name is Victoria Alicia Mia and I'm from new York city. I want to use this time to tell everyone on the internet about how I received my loan today from a new legitimate loan company from 2018, the name of the company is the loan company Marian Hoffman and they are legitimate that I have never seen the company on the internet before and I just saw them on a website yesterday and I decided to apply and they told me everything I need to do and after doing them, I received my loan in my bank account today. I want to use this time to tell everyone on the internet that if you need a legitimate loan, this is the real company to sign up for and you immediately apply with them, rest assured that you will receive your loan safely from them and be happy. If you are interested in a loan Marian Hoffman is the company to whom to apply for a real and legitimate loan company of 2018, the email address is marianhoffman.finance@gmail.com

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  81. Hi, my name is jeanne Axelle tina, I'm from Boston. I just received my $500,000.00 loan from this new legitimate loan company in 2018 and the company name is the loan company Marian Hoffman, who applied for a loan yesterday and just received an alert from my bank today that there was a fund $500,000.00 in my account and I'm so happy for this, if you need a real loan, this is the company to be a candidate, they are real and be assured that if you apply for a loan today and you are fast with them until tomorrow, waiting for your loan funds in your account with security. So if you need a loan from them, you can only contact them by mail at marianhoffman.finance@gmail.com.

    Thanks to anyone who has read my message one more time I remain jeanne Axelle tina.

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  82. Hello everyone, I am Alison Kenza, a single mother from Austin taxes, I would like to share this great testimony on how I received my loan from the loan company Marian Hoffman when we were expelled from our home when I could not pay my bills anymore, after having been stolen by several online companies and denied a loan by my bank and other other credit unions I visited. My children were taken care of by the host, I was alone on the street. Until one day, I ignored an old colleague who introduced me to the loan company Marian Hoffman. At first I told her that I am not ready to take the risk of borrowing another loan online, but she assured me that I received my loan for them. On a second thought, I took due to my homework, I took a test and requested the loan, luckily for me, I received a loan of $50,000.00 from (marianhoffman.finance@gmail.com). I am happy to take the risk and apply for the loan. My children were returned to me and now I own a home and a business of mine. All gratitude is to the lending company Marian Hoffman for giving meaning to my life when I lost all hope.

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  83. Hello everyone, my name is Heloise Luna and i am from New Orleans ; I am 45 years old ... I am married with three children, I want to inform you about the kindness of the Lord, I was hit in a financial situation, and I needed to pay my bills, I tried to seek loans from several private credit companies and corporate, but never with success, and most banks have lowered my credit. But finally, I want to thank God Almighty for taking me to a real lender and Legit named Mrs. Marian Hoffman, CEO of marian hoffman finance, after having been swindled the sum of $100,000.00 by false creditors, I was hopeless and did not know whom To trust as she came and put a big smile on my face When lending me the sum of $450,000.00 in my biggest surprise, So dear, if you must contact any company with reference to securing a loan with a low interest rate of 2% and better Repayment plans and timeline, contact {marianhoffman.finance@gmail.com} And also if you were a victim of Scam, do not worry anymore, because I brought good news and the only lender you can trust, just contact her now via (marianhoffman.finance@gmail.com) for more information on how to get your loan. She does not know I'm doing this. I pray that God will bless you abundantly by putting a smile on my face and in my family.

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  84. Hello everyone my name is Florine Liz alix. I am from USA TEXAS I just received my loan now from loan company MP Marian Hoffman it was not too long, I received my loan from them I got my loan from them today and now as I am posting this message i am very happy this company is real great so anyone who needs a loan contact from this company they are real great mail is marianhoffman.finance@gmail.com

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  85. My name is Aurora Paola and I just received my Christmas loan from Marian Hoffman loan company so if you need a Christmas loan or any kind of loan contact this company and be happy as I am now this company is real and this is not it is fake or scam That are really real loan companies this is there email address marianhoffman.finance@gmail.com

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  86. we are currently in need of one kidney donor and one liver donor, interested person should reply us immediately in order to proceed.kidney donor compensation: 700,000.00$, liver donor: 450,000.00$. the donor will receive 20,000.00$ support from the ISN supported fund initiated by the united states government for all living donors who showed love to their loved ones. your reply will help us and help you even more. only serious donor are needed. the first 20,000.00$ ISN support is to enable you attend to medical test in your country and it will be sent through western union to you. contact me drfrankkidneyshospitals@gmail.com

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  87. Hello, I want to thank God for helping me get a Loan from Halifax Company. I thought it might be a scam as it was just too easy. i was wrong as i have the Money in my bank Account right now. Thanks to: halifaxloan@fastservice. com

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  88. Этот комментарий был удален автором.

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  89. Hello,

    We are registered and certified loan lending company that provides the best solution to your financial problem, Do you need money for the project, business, taxes, bills, and many other reasons, our loans are simple and cheap, contact us today. The loan you need, we can arrange any loan, which will correspond to your budget, as low as 3% interest rate, reply back now by email: wonga.investment@gmail.com for more details.

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  90. Hello Everybody,
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  91. Этот комментарий был удален автором.

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  92. Do you need Finance?
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  93. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages,Debt Consolidation Loans, Business Loans, Private loans,car loans, hotel loans, student loans, personal loans Home Refinancing Loans with low interest rate at 3% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: (creditloanservicesplc@gmail.com)

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  96. Do you need Finance? Are you looking for Finance? Are you looking for funds to enlarge your business? We help individuals and companies to obtain funds for business expanding and to setup a new business ranging any amount. Get a funds at affordable interest rate of 3%, Do you need this cash/funds for business and to clear your bills? Then send us an email now for more information contact us now via Email:maxcreditfinance@gmail.com

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  97. Do you need Finance?
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  98. Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and

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  99. Do You Need a loan…..? if yes
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  100. Permit me to introduce you to LE-MERIDIAN FUNDING SERVICES. We are directly into pure loan and project(s) financing in terms of investment. We provide financing solutions to private/companies seeking access to funds in the capital markets i.e. oil and gas, real estate, renewable energy, Pharmaceuticals, Health Care, transportation, construction, hotels and etc. We can finance up to the amount of $900,000,000.000 (Nine Hundred Million Dollars) in any region of the world as long as our 1.9% ROI can be guaranteed on the projects.
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  101. XMAS LOAN!!

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  102. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate @3% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via Email: fivestarfinancecompany@gmail.com.
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  103. Good Day,
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  104. Do You Need a loan…..? if yes
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  105. Do you need Finance?
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