Банк онлайн. Кредит и вклады 1.3.9

The "Online Bank: Credit and Deposits" application serves as a financial assistant, enabling users to find and compare various financial services such as loans, credit cards, deposits, and debit cards. The platform also offers options to manage debts and provides information regarding debt cancellation opportunities. Users can evaluate which credit card offers, such as those from Alfa Bank or Tbank, might suit them better, and decide whether to take a new loan from Alfa Bank or file for bankruptcy through the MFC (Multifunctional Center).

🧮 Financial Services Selection
The application analyzes available bank offers and suggests optimal solutions based on user preferences:

• Loans: consumer loans, mortgages, and auto loans with calculations for overpayment and monthly payments.
• Deposits: the most favorable interest rates and conditions for early withdrawal.
• Debit Cards: options with cash back, interest on balances, and free servicing. Compare cards from Alfa Bank, Tbank, and MTS to choose the best one.
• Credit Cards: featuring grace periods and bonus programs ranging from 60 to 360 days without interest.

The application includes a service designed to help users rectify their credit history in case of previous loan rejections. It collaborates with various Russian banks including:

• Alfa Bank Online
• Sovcombank Online
• Sberbank Online
• VTB Online
• Gazprombank
• Rosselkhozbank
• Moscow Credit Bank
• Otkritie Online
• Sovcombank
• Raiffeisenbank
• Rosbank
• Tinkoff

The "Online Bank: Alfa Online" serves as a financial navigator in a complex fiscal landscape. It provides guidance on bankruptcy procedures, debt cancellation, scheduling appointments at the nearest MFC for bankruptcy filings, and checking payments for public services, tax debts, fines from GIBDD (Traffic Police). All pertinent information gathered from federal sources is centralized within this one application.

🏛 Debt Cancellation
The app offers comprehensive information regarding the bankruptcy process. Users can fill out a brief questionnaire to obtain a free legal consultation to address their financial concerns within a minute. It assesses suitability for bankruptcy proceedings while outlining how to eliminate loan debts and potential consequences of non-payment as well as amounts that may be pursued by bailiffs.

🏛 Debt Payments
This feature allows users to pay and verify information related to GIBDD fines, FSSP debts (Federal Bailiff Service), and tax obligations. Users simply input details from relevant documents—passport data, TIN, vehicle registration certificate—to gain timely insights into their debts. The platform facilitates easy settlement of outstanding payments owed to the bailiffs, tax authorities, GIBDD, along with late fees. Payments can be made using Alfa Bank credit cards with assurance of swift fund transfers.

📚 Financial Literacy Lessons
Enhance your financial knowledge with various resources available in the app:

• Interactive courses and articles focused on financial literacy.
• Advice on effective saving, investing, and budgeting management.

🧮 Social Calculators
Easily plan your financial future using user-friendly calculators:

• Pension Calculator: discover future pension amounts and enhancement strategies; choose between depositing funds into an online deposit account or a pension fund.
• Cumulative Pension Calculator: determine potential savings by a specific age through regular contributions.

🏛 MFC Service Centers
No need to search through multiple sources for information! The app consolidates data regarding all public service centers including:

• Addressees and operational hours.
• A complete list of available services.
• The documentation required for these services.

The application compiles loan offerings with annual interest rates ranging from 3.5% to 30% and loan terms extending from 3 months up to 30 years. Loan conditions vary among banks; for instance, rates might start at 5.99% reaching up to 30% per annum for loan terms from 3 months to 15 years. An illustrative calculation: for a loan of 350,000 rubles over three years at a rate of 9% per annum, total repayments would amount to 400,716 rubles with monthly payments of 11,131 rubles/month. Late payment penalties range between 0.05% and 0.2% per day on overdue amounts.

This does not constitute a public offer.