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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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