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Apati Bank

Last Updated on Thursday, 19 November 2009 15:41 Written by Seville Thursday, 19 November 2009 15:27

Dear friends of T $ ig,

Because I have served the system for several years, state empedoste the following:

1. The product "filing" is one. Beyond that each bank design variants and sells them by giving them trendy names like "Advandage", "Profit", "Revenue" and various other colorful nicknames. This gives another account of the interest in advance, others monthly, others give you a low interest rate at the beginning and much later, another gives you the right commitment without penalty, other raffles TV and travel to the Seychelles, etc. Others No extras or convenience is not free. Everything is costed.

2. Interest rates on deposits is as prices of exchange: They can change at any time. So if you do the deposit once you say the interest rate but return later or the next with the money, the negotiation starts again from scratch.
3. The rate period is usually agreed to open the account and lasts until the end. It can be specific (eg 2.80% for the duration of the deposit) or start from a low for the first month / quarter and to rise in each subsequent year until maturity. But it can also be variable, such as annual limit of 3% for the first quarter and Euribor +1% for each of the other three.
4. In the savings you get your money whenever you want without penalty but the bank changes the interest rate whenever it wants. So when you find savings of 4% and 3% deferred, does not mean that the right choice is the first - unless you might need the money quickly so you have no other options.
5. In a normal market (with reasonable liquidity, relatively stable inflation, etc.) - in theory - the more committed the more time you get great rates usually lower than the corresponding Euribor. But if it is otherwise (no short-term liquidity scenarios for inflation and the Euribor coming months, etc.) then you can for example 3 months to give 3% and 2.80% in 12 months. Here comes the assessment and the risk yourself. Does not necessarily mean that the right choice is because if the first verify the predictions, the fourth month the rate may fall to 2.50% so if your money is not needed for 12 months and closed for 3, fucked.


6. The most important thing is to watch one of the following (and more) to avoid falling victim EXAPATISIS from Banks:
a. Interest is calculated on the year 360, or 365 days, or otherwise. There are several ways of calculating from bank to bank with a different result. A little searching in Gkougkli and learn the differences.
b. When I decide to lift the money from bank A to go to B gives best interest, and ask me mushroom on A bank check will draw a charge;;; Major banks are not.
c. When the B bank get the check will give you interest (Valeur) the same day or after working two and counting;;;
d. Be careful in terms of early or partial performance because the punishment for taking early can reduce even the capital was filed (or renewed).
e. NEVER but NEVER leave the bank's initiative to make automatic updates to the deferred account when you terminate. If not interested in the closing / renewal fucked. The account will be updated with the official interest rate period is simply peanuts. It happened to me personally from the commercial and got 0.59% when everyone else gave 4% or more. Fraud karampinati if caught sleeping or for various reasons, go to the bank on the day of renewal.
f. never, never sign a contract with the bank's right to withdraw the deposit before maturity period and when you have a low starting rate. It happened to mine in SA. When the rate was around 12 months at 3.5%. He submitted a large amount and was told that the first 3 months it would take 2.50%, 3% in the second, the third 3.5% and 4% in the fourth. So far, so good after having accepted these figures. When the end of the deposit went to the bank for renewal, he discovered that at the end of the 6th! ATE months watching market rates to fall, he had closed the account and had put the money in savings but never let him know! What gets me in the Top Ten of fraud.
g. You have eyes and ears open because you can get bank account time and go to bonds to mutual funds, with mixtures of deposit-bond-fund, combining lodging and security of life or congregation or studying child and anything else you can imagine the mind of man. These usually have (among other risks) to get in supplies and / or come out and promoted by fury at officials that passes because when they get bonus.

To conclude I would say that these are indicative and that the scam is as boundless as the mind of man who develops and grows very well in a country that the Bank remains the sacred cow and the customer / consumer waste.

So keep the following five principles and believe me will not miss:

PAS-1 BEFORE THE BANK IN Search KOMPIOUTORA WHAT YOU fearing the market.
2-READ WITH CAUTION THE K *** Charter give you ANOIGEIS ACCOUNT AND WHEN YOU DO IF NOT AS signed KATALAVES some of what they say. COUNTRIES IN SERIOUS give you BACK FROM THE CONTRACTS AND YOU HAVE 7-14 DAYS RIGHT OF WITHDRAWAL. HERE YPOGRAPSES = PM AND THE PATISES PROSECHES.
3-Keep your eye AND MORE IN LESS Trap cheese. AN PSACHNEIS not what they told you but what YOU hid because there, at half ALLITHEIA and poor INFORMATION, Hides Cheating yourself.
4-DISTAZEIS NOT TO DO AND SPECIFIC QUESTIONS ON reported in the above paragraph 6.
5-AT END OF PERIOD NOT THE FATE OF THE AFINEIS AND MERCY IN THE BANK FOR AUTOMATIC RENEWALS. IT sure recipe for injury.

I hope I helped or at least be listed briefly the current reality. Those who ignore it deserves its fate

Comments (16)
16 Tuesday, 25 June 2019 23:17
IoannisD
Ola xrisima.
15 Tuesday, 29 June 2010 09:55
σκακιστής

Hello kids, I'd like to know if someone tells me to find a comparative table supply of funds abroad. Thanks

14 Friday, 25 June 2010 22:35
NikosK

Good evening everyone,

Deal 9 years in the market Forex, manage the accounts of individuals, and I can tell you that it is an investment that is worth someone to invest. The returns that can deliver kat'elachista is 30% per year. Also are investments in which there is no tax profits. The minimum capital is 5,000 euros. If you are interested send me email nikos_kro@yahoo.com

13 Friday, 04 June 2010 20:14
nikolakis
Hello MIPOS KNOWS ONE ON THE PENALTY OF INTEREST ON THE DEPOSIT SPASIMO PROTHESMIAKIS EUROBANK? (HALF DEPOSIT, after a month AND TWENTY DAYS TO THE had told me that I lose ALL THEIR INTEREST !!!!!!!!!!!) OFF OF THIS CHILD.
12 Monday, 24 May 2010 15:17
jiachouc
Guys, a question is a reasonable amount of bank (ie alpha) to hold a 5 euro adoption requirements for foreign exchange;
11 Tuesday, 29 December 2009 12:28
aleksandros
To know what bank Peloponnese; has branches in Athens; Have you ever gave interference with this bank; Has good interest rates compared to other banks and I think some money to finish on time deposits ...
10 Wednesday, 25 November 2009 11:42
aleksandros
exw ena poso 25000 eyrw kai skeftomai gia prothesmiaki katathesi stin aspis bank ... uparxei kindinos na xasw ta xrimata moy .. prostateuomai ap to kratos .. i aspis bank thewreitai kali trapeza exei kalo onoma? New 3-month time deposit interest rate ASPIS ADVANTAGE 2 , 80% ... de gnwrizw polla pragmata giayto kai rwtaw.
9 Tuesday, 24 November 2009 13:53
liako$
Final reductions in the forward interest rates will make us take the mountains for a couple investment flock sheep. But tell me where it has fallen and milk ... nothing more to go
8 Monday, 23 November 2009 15:09
K.I.
Mutual funds are not all alike and have the same risks and returns. There are mutual to put their money into bonds and futures, or other mutually to place them into shares. Depending how it goes their performance and you get (a part thereof). Also focus on different commissions. There are entry and exit (you pay to enter and exit), custodial and management fees (to the states and to sell / buy this for you). In just Greek, and even negative returns, mutual'll keep a percentage (from 0.5 to 3% per year) rain / snow. The money is available at any time (usually 2-3 days notice), the that money is the one corresponding to the current value (as shares). There is no guarantee of capital or a guarantee of performance.
7 Monday, 23 November 2009 11:48
JABAMAN
Afou oi trapezes (kai oi praktikes tous) exoun pliri asylia apo to kratos, tote emeis prepei na exoume ta matia mas 14. Ta amoivea ontos exoun risko. parola auta nomizo oti tora einai kali periodos gia na ependysei kaneis se auta, giati oi times tous exoun pesei (logo oikonomikis krisis) kai oso vgenoume apo tin krisi, toso tha auksanete h aksia tous. episis ta epitokia ton prothesmiakon einai se idietera xamila epipeda. pantos se genikes grammes den nomizo oti einai sosto na epentyei kaneis to 100% tou gefalaiou tou se amoivea. Einai logiko na exei pesei h aksia ton amiveon pou eixan agorastei to 1999, tote pou htan h "xrisi epoxi" tou xrimatistiriou kai toses etairies eixan parei plasmatiki yperaksia.
6 Sunday, 22 November 2009 23:08
Paris
To provide and other information for each unrelated to us ..
5 Saturday, 21 November 2009 13:38
Ο Τσιγκούνης

Dear Kostas, I do not know what time you speak. I've known example of which put off the funds in 1999. The "performance" today after 10 years is about -60 %!!!. That is assuming he put 10,000 in 1999, today we get about 4,000 euros (net of entry and exit) If you put the money in annual deferred, say 3% interest rate, today we had 13.053 million ie 30% yield. Mutual funds = probability of losing even the principal. Here are the odds of a company that found in luck: www.alicomfunds.gr

4 Saturday, 21 November 2009 13:02
Panos3
What exactly are the funds? Have risk? Have relatively high returns? Require long-term obligations such as time deposits or initial capital is available at any time?
3 Saturday, 21 November 2009 00:16
Κωστας.Π
I have to say that the time deposit is a waste of time commits the lefta you for a long time to nil rate!, I do I suggest fund market, who wants to join the nautemporiki and see what it returns the reciprocal earn 30% - 120 % in one year is children is an investment!
2 Friday, 20 November 2009 14:21
Nick Ρο
As always. Informative and well-informed ...
1 Thursday, 19 November 2009 23:00
Kostas90
Orees k xrisimes plirofories!
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