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начисление процентов

Начисление процентов после льготного периода

Банки привлекают клиентов новыми кредитками и картами рассрочки с выгодными условиями. На первый план в рекламе продукта выходит так называемый беспроцентный период. Он позволяет в течение какого-то времени не платить за пользование заемными деньгами. Однако, при несоблюдении условий льготного периода происходит начисление процентов. У каждой кредитной программы размер процентов индивидуален.

Особенность льготного периода

Фактически заемщик определенный срок может бесплатно использовать средства. Если клиент решит погасить долг в течение первых 1-2 месяцев, то с него не будет списано никаких комиссий.

Грейс-период может «слететь» при снятии наличных. Кредитная карта больше подходит для безналичных расчетов. Снять деньги, конечно, можно, но придется выложить комиссию или даже лишиться «бесплатных» дней. Грейс-срок состоит из двух составляющих:

  • Расчетного периода. На протяжении 1 месяца вы совершаете покупки по карте.
  • Платежного периода в 25-30 дней. За это время нужно полностью оплатить долг.

Расчет грейс-периода начинает от числа выписки или от расчетной даты, а не от времени совершения первой покупки.

Начисление процентов по кредитным картам

После прекращения льготного периода на сумму кредита начисляются проценты. У каждой карты они индивидуальны.

100 дней без %

Одна из самых популярных кредиток от Альфа-Банка — «100 дней без %». На протяжении 3-х с лишним месяцев проценты за пользование деньгами банка не взимаются. По условиям договора необходимо ежемесячно вносить минимальный платеж в размере 3-10%. Начисление процентов после льготного периода по карте Альфа Банка составит от 14,99% годовых.

Подробнее о карте «100 дней без%»

Тинькофф Платинум

Карточка с льготным сроком 55 дней и лимитом до 300 тыс.руб. За каждую покупку возвращается кешбэк от 1 до 30%.
Начисление процентов после льготного периода по карте Тинькофф Платинум будет составлять 15% — 29,9% годовых. За снятие наличности процент возрасти до 49%.

Подробнее о карте «Тинькофф Платинум»

Можно ВСЁ

Росбанк не так давно презентовал новую кредитку «Можно ВСЁ». Тариф карты предполагает кешбэк 1% на все покупки и до 10% на определенные категории. Беспроцентный период составляет 62 дня.
Начисление процентов после льготного периода по карте Росбанка составит 26% годовых.

Подробнее о карте «Можно ВСЁ»

Начисление процентов по картам рассрочки

Халва

Моментальная карточка Халва от СовкомБанка, позволяющая приобретать товары без дополнительных взносов и переплат в рассрочку до 18 мес. Возобновляемый кредитный лимит составляет 350 тыс. руб. Каждый месяц необходимо вносить минимальный платеж, который устанавливается индивидуально. За каждый день просрочки следует начисление процентов в размере 19% годовых.

Подробнее о карте «Халва»

Совесть

Карта рассрочки от Киви-Банка позволяет совершать покупки без процентов в период от 1 до 12 месяцев. Партнеров у банка не так много, но постоянно добавляются новые. До 5 числа каждого месяца после покупки необходимо внести обязательный платеж. При первой просрочке будет взята комиссия 290 рублей. Далее на сумму непогашенной задолженности начинает действовать ставка 29% годовых.

Подробнее о карте «Совесть»

«Свобода»

Хоум Кредит Банк выпустил свою карту рассрочки в 2017 году. Если товары приобретены в магазинах-партнерах, можно рассчитывать на рассрочку до 12 мес. В остальных торговых точках срок составляет 3 месяца. При нарушении условий договора будет происходить начисление процентов после льготного периода — от 17,9% до 34,9% годовых.

Подробнее о карте «Свобода»

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