Place a convenient feedback form on the company's website. Due to the fact that the form is available from any page of the site, the number of hits increases by 5-10 times. The client selects one of the types of feedback (question, idea, problem or thanks), and the system automatically searches for similar topics.
Create a customer support forum on a subdomain of your site and brand it. Thanks to smart search, up to 90% of customers independently find answers to their questions in the community. Replies are always placed at the top of the topic, statuses of hits make it easy to sort content in the community.
Organize a knowledge base of your company's products and services and make it available to your customers. Assessing the usefulness of knowledge base articles will identify the least effective articles, and search query statistics will tell you what information customers are missing.
Place convenient applications for customer support in your groups on Facebook and Vkontakte. Through the apps, the group's subscribers get access to the knowledge base and customer support community directly from the social network. Monitor Twitter and reply directly from the system.
Provide your customers with convenient support and feedback on any mobile device whether it's a phone or a tablet. mobile version community is specially designed and adapted for the touchscreen and is available free of charge to all communities.
The Copiny platform allows you to serve 5 times more customers online than a regular forum and knowledge base. The support service is up to 80% more efficient.
A special moderator interface, the ability to assign a responsible person and set the status of a request allow you to conveniently organize the work of employees.
Built-in platform analytics allows you to analyze the effectiveness of the community and employees, control the quality of customer service.
The maximum transfer amount to Sberbank Online is set for each type of operation separately. The main objective of such restrictions is to ensure financial security It is easy to transfer money from Qiwi to a bank card. It is important to know how to make the payment go quickly and financial losses are minimal! Dene withdrawal features There are many ways to put money on the phone from the card. All of them are free, and the speed of receipt of funds is only a few minutes. Features Remote methods There are 5 ways to easily transfer money from your account bank card to Qiwi wallet. If you use remote services for managing QIWI cards and resources, you can There are several basic methods for finding out the details of a Sberbank card. Let's consider the main ones. What are card details Bank details cards There are many ways to put money on a Sberbank card. The operation is performed both through Sberbank services and thanks to the resources of third-party organizations. If you do not know what balance is on your Sberbank card, this is not a problem. There are several methods of varying degrees of convenience that will help you with this. How to find out the balance Knowing how to return credit insurance is worth it in order to minimize your losses from its maintenance. If the loan was for a large amount, then insurance premium was great. Who How to profitably deposit money at interest To profitably deposit money at interest, you need to correctly assess the situation in the Compulsory insurance deposits is special system providing depositors with Money kept on deposits, when the bank's license is revoked or when itPrivacy Policy
Leaving your data on the site (below - the "Company") by filling in the fields of the on-line application, you: confirm and acknowledge that you have read the conditions set forth below for the processing by the Company of your data indicated to you in the fields of the on-line application; and agree to such terms and conditions without reservation or limitation.
Personal data means information related to the subject of personal data, in particular, last name, first name and patronymic, date of birth, address, contact details (telephone, address Email) and other data related federal law dated July 27, 2006 No. 152-FZ "On Personal Data" (hereinafter referred to as the "Law") to the category of personal data. Sending information through the Company's website means your consent to the processing of the provided personal data to the extent that they were submitted to the Company, in the manner and on the terms determined by the Law in any way provided by the Company and (or) established by the Law.
The purpose of processing personal data is to provide services by the Company, as well as to inform about the services provided by the Company and the financial products of the Company's partners sold by the Company, and also to inform you about financial products by any convenient way according to the contacts you gave us. In case of withdrawal of consent to the processing of their personal data, the Company will stop processing them and destroy the data within a period not exceeding three business days from the date of receipt of such withdrawal. You can send your withdrawal of consent to the processing of your personal data in any form by e-mail: . The Company undertakes not to disclose to third parties the personal information sent by the User on the website without the consent of the User.
Conditions for obtaining a loan
The loan is provided in the amount of 70,000 rubles. - 10,000,000 rubles. annual interest for the use of a loan (taking into account the requirements of Federal Law No. 353-FZ) - 12% -59%. The final terms of receipt will be offered individually. The amount of the penalty is 0.10% of the amount of overdue debt for each day of violation of obligations under the contract, but not more than 10% of the amount.
Example of loan calculation:
A loan for 70,000 rubles for 12 months with an interest rate of 12% per month, the overpayment for the entire period will be 8,010.08 rubles. In total, you return 78010.08 rubles. Loan term from 65 days to 15 years. At early repayment the commission for the use of funds is recalculated in proportion to the period of use of the money.
Consequences of non-payment of the loan:
In case of non-return total amount loan, the lender will be forced to charge a penalty for the delay in the loan. In case of non-receipt of payment from you for a long time, a penalty for late repayment of the loan is charged in the amount of an average of 0.10% of the original loan amount.
Licenses of partner organizations:
№2673, №1460, №3251, №3354, №2120177002022, №1127746537764, №2110552000304, №651303552003006, №651303045003951, №651303045003161, №651403045004794
Each bank has rules that provide for the approval of the issuance of credit funds only to customers who have proven their solvency. A responsible borrower is obliged to return to the bank the entire amount of the loan with interest, to do it on time and without delay. You can “tear your vest” proving your honesty, but without documentary evidence, no one will dare to give you a significant amount. To do this, you will need a certificate of income in the form of a bank. Let's take a closer look at this document and the rules for filling it out.
It's no secret that many workers, in addition to the official salary, receive additional bonuses in envelopes. Employers have many reasons for this, but we will not go into details, because this is not the subject of our conversation.
Coming to the bank for a loan, it is difficult for such a borrower to prove the level of his income, as a result, the bank refuses to issue large amounts to the client in order to avoid risks.
What to do in such a situation? The solution was found - this is a certificate of income in the form of a bank. The forms of all banks are very similar, but there are some nuances, which I will also discuss in this article.
If you do not have all the information required to fill out the certificate, contact your accountant who will tell you the salary for Last year(by months) and the amount of deductions to the tax authorities. Some credit institutions may require you to provide more data than you expected, but there is also a standard set of fields that you will need to fill out.
The bank considers only the amount that remains after all deductions. Taxes, alimony, deductions writ of execution able to "eat off" a big chunk of your salary, this must be taken into account when filling out a certificate.
A certificate in the form of a bank is a lifesaver for many borrowers, but when it falls into the hands of a director, the chances of obtaining a loan can vanish like road dust.
Banks guarantee that such papers confirming the income of clients are exclusively internal documents and never leave the walls of credit institutions. Despite this, employers are in no hurry to put a signature on certificates in the form of banks. The fears are obvious. If such information falls into the hands of the tax authorities, they may be interested in the difference between the salary that falls into tax reports and real. Then the chief accountant of the company cannot avoid trouble. You should meet with the management and get approval before filling out the income certificate on the form of the bank. If you are valued as an employee and ready to meet your needs, you can get a certified document quickly.
Unfortunately, it does. Help in the form of a bank - does not guarantee 100% your solvency. There are frequent cases of forgery of such documents, overstatement of salaries, reduction of deductions, etc.
All banks warn that the absence of form 2 personal income tax will necessarily affect the interest rate and loan term.
Every bank needs money back guarantees. If there is no complete certainty in this, it is necessary to insure possible losses at least by increasing interest rate.
Despite this unfortunate amendment to your loan agreement, the terms and conditions of all lenders are different. Sometimes you can find offers in which a loan with a certificate in the form of a bank turns out to be more profitable than an offer in another (more well-known) bank with a provided form 2 of personal income tax. Who seeks, he will find!
All references provided by clients are carefully checked. For this in credit institutions There are special departments responsible for economic security. First of all, your credit history. These data make it possible to form a "portrait of the borrower".
Bank specialists can make several calls to your company to check the data specified in the certificate. They may ask about your marital status, feedback from employees, the presence of any property belonging to you. Of course, these are very personal questions that you or your colleagues at work are not required to answer, but you need money and your decision may depend on these answers.
If you have a formal job, then a bank statement of income is a great way to prove the full amount of income you receive. If in fact you receive income in excess of your official salary, then this is reflected in a paper signed by the chief accountant and the head of the company.
But there are other ways to generate income that cannot be reflected in the certificate. It could be a rental property. You may have such income recognized if you provide proof in the form of tax return on the payment of taxes on profits. If there is no evidence, such receipts will not be counted in your budget.
Willingness to showcase their income tax authorities not everyone has yet. What can be done in such a situation?
You need to find a guarantor with a solid "white" salary, who can officially confirm his income by providing required documents creditor. AT loan agreement states that in the event of your insolvency, the responsibility is shifted to your guarantor. Most often, relatives of the borrower or his close friends act as guarantors. If you can not "pull" the obligations you have undertaken, think carefully about the person you can set up.
If you are freelancing or making a living as a "free artist", your earnings can be shown to the bank in the form of an extract made from your card account. Regular payments to the card may indicate a constant income. You can also demonstrate to the bank the results of your activities in the form of painted paintings, websites, sculptures, interior designs, etc. The lender will take into account your application, but not in full (as a rule, no more than 50% of gray income is taken into account). The main thing in this matter is not the amount, but the regularity of payments.
Collecting certificates for a loan is one of the laborious moments in obtaining loans in Russian banks in 2019, and since many citizens are employed unofficially and not everyone can submit a 2-NDFL certificate to the bank on information about their income. For this case, a certificate is provided in the form of a bank for 2019, where the applicant can indicate his income and confirm it.
Here we will consider what kind of certificate in the form of a bank Rosbank requires in 2019 for a loan, and we will provide a form for downloading, since Rosbank accepts such certificates only on its official forms.
The certificate is valid for thirty calendar days, during which you can submit it for consideration to the bank.
Indicate the details of the organization where you work and certify them with signatures and seals in the accounting department of the organization, it is worth noting here that if you receive a gray salary, then not every institution will agree to indicate your real earnings in the document, otherwise they may have difficulties with tax structures. First of all, discuss with your manager what salary he can confirm in writing, the amount of loan approval depends on this.
