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08.21.2006 :: Portal financiar
lider in Europa de Est, acum si in Romania prin www.finzoom.ro
Primul site care compara si calculeaza corect DAE, adaptata
cerintelor individuale ale consumatorilor
FinZoom Financial Services®, membra a Finzoom Financial Guide
Network, a lansat ghidul financiar romanesc www.finzoom.ro. Noul site web compara
gratuit si in detaliu toate ofertele de credite de pe piata (207 credite de consum
/ credite de nevoi personale, 171 credite imobiliare si ipotecare, 76 produse de
credit si leasing auto). Toate informatiile sunt usor de gasit in site si actualizate
zilnic, obiectivul Finzoom fiind de a ajuta consumatorii sa ia cea mai buna decizie,
sa economiseasca timp si sa reduca stresul asociat aplicarii pentru un credit.
Avantajul Finzoom consta in calculul dinamic, personalizat al DAE (Dobanda Anuala
Efectiva) care reprezinta costul complet al creditului si principalul criteriu obiectiv
de comparare. Aplicatia software foarte flexibila dezvoltata de Finzoom face legatura
intre cerintele individuale ale fiecarui consumator (tipul creditului, suma dorita
si durata imprumutului) si caracteristicile unice ale fiecarei oferte bancare, rezultand
astfel o Dobanda Anuala Efectiva identica cu cea calculata la banca.
Finzoom.ro este primul portal financiar romanesc care afiseaza graficul de rambursare
detaliat pentru fiecare credit, care include rata lunara (principal si dobanda),
toate comisioanele platite (la acordare, lunar sau anual) si suma totala de rambursat
pana la sfarsitul perioadei. Site-ul ofera de asemenea:
• Informatii detaliate
pentru fiecare oferta de credit
• Calculator DAE dinamic, pentru credit si leasing
• Articole financiare si Sfaturi utile
• Glosar de termeni relavanti
“Pe piata produselor financiare, noi introducem un concept superior de comparare
online, in ceea ce priveste diversitatea si exactitatea informatiilor”, spune Irina
Chitu, Directorul Finzoom Romania. “Speram ca toti cei care sunt in cautarea unui
credit, a unei informatii sau a unui sfat sa intre mai intai pe www.finzoom.ro pentru
a compara toate ofertele disponibile si a alege cu incredere produsul care li se
potriveste. Si ne dorim sa ramana in continuare pe site si pentru a aplica online
pentru produsul ales, lucru pe care il pot face direct din tabelul cu rezultatele
comparative.”
FinZoom Financial Guide Network (www.finzoom.com) administreaza portaluri financiare
de succes in Bulgaria (www.moitepari.bg si www.creditland.bg) si se va lansa in
curand si in Turcia (www.finzoom.com.tr). In urmatoarele luni pe www.finzoom.ro se vor
compara noi categorii de produse: carduri, depozite, fonduri de investitii, credite
pentru IMM-uri, asigurari.
06.23.2006 :: The first Index
on the average Annual Percentage Rate on Mortgage loans starts in Bulgaria
For the first time the customer can see on www.moitepari.bg what is the real average market
price of Mortgage loans as well as the trends in changes in conditions on credits
In the calculation of the average market price of Mortgage
loans, the market shares of the 15 leading banks (that hold a market share of 98.72%
in the Mortgage loans in leva in Bulgaria) are taken into account. My Money uses
the Annual Percentage Rate (APR) of the best standard offer in leva for every bank
participating in the Index. APR is the only objective criteria that include not
only the interest rate announced but also all taxes and commissions covered by the
customer. According to the calculations made by My Money, the average value of APR
on Mortgage loans in leva in May is 8.02%.
The customers had no chance so far to see the change in the average price of Mortgage
loans in Bulgaria that could help them orientate in the trends and in the real price
of the credit. However, this has changed with the launch of the first APR Index
on Mortgage loans that can help assess bank offers for mortgage loans. And this
is one of the most important financial decisions in everyone’s life.
It should be taken into account that APR calculation for Mortgage loans uses the
same methodology as the one included in the Consumer Finance Law which adds in the
calculations all expenses, commissions and taxes related to the credit. In the APR
calculation it is assumed that the credit is reimbursed regularly during the entire
period and that interest rate remains the same in the course of the period.
The Index My Money reveals a clear trend for decrease of APR on Mortgage loans –
from 11.10% in September 2005 to 8.02% in May 2006. That is, if we take 20-year
mortgage loan of 50 000 leva and property value of 80 000 leva, the customer would
pay on average a total of 99522.46 leva with a monthly installment of 366.63 now,
while 9 months ago the total sum paid would be 120124.71 leva and the monthly installment
- 469.34 leva. The drop of the Index is due to the more intensive competition between
banks and the starting process of smooth harmonization with West-European interest
rate levels.
On www.moitepari.bg you can
use a user-friendly credit calculator that can help you calculate APR on specific
credit offers.
My Money is the Bulgarian Financial Guide whose mission is to help customers seek
and find the best financial products on the market. My Money compares impartially
all actual offers for Automobile credits and leasing, Consumer loans, Credit cards
and Deposits. In the following months we will continue to add new product categories
(goods leasing, stock exchange investments, business credits, and other).
12.12.2005 :: Full comparison
of consumer loans starts in Bulgaria
For the first time the customer can see on www.moitepari.bg how much will he really pay
for the consumer loans offered by all banks in Bulgaria
In the comparison of over 80 consumer loans, My Money – the
Bulgarian Financial Guide, uses the Annual Percentage Rate (APR). APR is the only
objective criteria that include all additional taxes and commissions – for e.g.
taxes for application, for application processing, for credit management and obtaining,
insurance, and other.
The customers had no chance so far to compare the different credit offers which
would help them choose the better bank product. However, this has changed with the
Interbank agreement for the announcement of APR in their advertisements, enforced/concluded
on December 7th. The agreement is signed so far by 23 banks.
The Consumer Finance Law is also expected (to come into action), and the law will
be a mirror translation from the European directive for Consumer Finance (87/102/EEC)
that Bulgaria is obliged to adopt upon its integration in the European Union.
My Money is the Bulgarian Financial Guide whose mission is to help customers seek
and find the best financial products on the market. My Money compares impartially
all actual offers for credits, credit cards and deposits. In the following months
we will continue to add new product categories (automobile and goods leasing, insurance,
business credits, and other).
10.12.2005 :: My Money – the
new portal for comparison of credits and deposits
New portal,
www.moitepari.bg, has been launched, and it enables easy comparison of bank
products and direct application for the good offers. At the same time, My Money
company realizes intermediary activity for mortgage and consumer loans. All services
of My Money are free for the consumer.
Sofia, Bulgaria, October the 12th 2005 – My Money, www.moitepari.bg, launches the first portal of
its kind for comparison of credits, credit cards and deposits. The consumer has
the first-time opportunity to obtain detailed comparative information for bank products
offered in Bulgaria. The first two presented products are term deposits and credit
cards.
The information is being constantly updated and is presented in an easy-to-use and
comprehensive way for the consumer. The aim of the Bulgarian Financial Guide My
Money is to help people that seek the best financial product, saving time, money
and efforts for them to research in details every offer separately. The access to
the portal is completely free and does not engage the consumer in any way.
But why is quick comparison of bank products and services so important? Financial
market becomes more and more diversified/various and intensive, and advertisement
of financial products not always gives full information on the full price. For example,
it can happen that a 3-year loan of 5000 leva with an interest rate of 11% is more
expensive than a 3-year loan of 5000 leva with an interest rate of 12% because of
the additional conditions on the two credits.
The experience and skills for bank product choice already established in developed
countries still lacks in our country, and that provokes the need of advice and help
in the area of finance. Up to now there was no access to detailed information of
quality taking into account the consumer needs and making it easy for him to select
bank offers.
The financial portal My Money acts in a user-friendly way: the consumer enters the
basic criteria and in the deposit or credit card search form. Next, the Data Base
generates results according to his requirements as well as detailed information
for every offer. My Money gives the opportunity for online application to the products
of banks with which there are concluded partnership agreements. Also, My Money offers
the full cooperation of its consultants for every kind of specifications for the
process of product choice and application.
“In USA and Western Europe such portals exist for years” – says the CEO of My Money,
Deyan Vassilev. “We decided that it’s high time to launch such a portal in our country.
The Bulgarian consumer has to be maximally well prepared before choosing a given
offer. Banks will also take the opportunity to understand how their products are
positioned vis-à-vis the competition. In the following months we will actively continue
to add new bank and financial products. So, our customers can expect much more useful
information in the upcoming months.”
My Money Ltd. started its activity in May
2005 with the main aim to help people seek and find the best bank products for them
on the Bulgarian market. My Money is in the course of concluding brokerage agreements
with several leading banks whose mortgage loans will be a priority in the mutual
work with clients. Besides the financial guide, My Money offers a free service for
mortgage and consumer loan brokerage that gives to customers an excellent opportunity
for an informed choice and easier application for the most suitable product for
them.
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