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Что такое ставка рефинансирования ЦБ РФ?

30.09.2008  |  Комментарии

Что такое рефинансирование? Под рефинансированием понимается кредитование Банком России кредитных организаций.

Что такое рефинансирование? В статье 40 Федерального закона № 86-ФЗ «О центральном банке Российской Федерации (Банке России)» от 10 июля 2002 г определено, что под рефинансированиемпонимается кредитование Банком России кредитных организаций. 

Само рефинансирование - это процесс, в течение которого заемщик выплачивает полученный ранее (уже существующий) кредит с помощью нового кредита. Целью заемщика при рефинансировании, как правило, является решение следующих задач:

  • получение нового кредита на более выгодных условиях, например по более низкой ставке, что позволяет заемщику снижать свои расходы. И одновременно, это дает возможность банкам менять ставки кредитования клиентов.
  • получение нового кредита с целью продления срока кредитования. Кредиты ЦБ для коммерческих банков являются дополнительными ресурсами для кредитования клиентов.

Что такое ставка рефинансирования?

Ставка рефинансирования Центрального Банка Российской Федерации, это процентная ставка, которую Центральный банк РФ использует при предоставлении кредитов коммерческим банкам в порядке рефинансирования.

Предполагается, что ставка рефинансирования, это ставка, сформированная рынком по некоторым наиболее активным операциям Центрального банка, и применяется для взаимодействия с коммерческими банками. На сегодня ставка рефинансирования - это некий “договорной” механизм выявления средней стоимости денег и применяется, прежде всего, в фискальных целях. На самом деле, ставка рефенансирования не является инструментом, который отражает рыночный характер операций. И она нужна только для понимания стоимости денег, так как в рыночной экономике без этого не обойдешься. Величина ставки рефинансирования может устанавливаться (выявляться) путем конкурсного отбора, а может и просто назначаться.

Ставка рефинансирования является и “неким” сопутствующим механизмом по сдерживанию инфляционных процессов в России. При снижении темпов инфляции, снижается и ставка рефинансирования. Так, когда к концу 2005 года уровень инфляции составлял 11,8 %, ставка рефинансирования 2005 года понизилась до 12 %, а к концу 2006 года, когда инфляция снизилась до 9 %, ставка рефинансирования ЦБ была понижена до 11,0 %. А затем в 2007 году до 10,5%, и 10,00 %. Но уже с начала 2008 года ставка рефинансирования повысилась сначала до 10,25 %, затем до 10,50 %. 9 июня 2008 года – вновь изменение – до 10,75 %. Это говорит о том, что инфляция – выше заданных параметров, продолжает увеличиваться и Правительство с Центробанком принимают меры к ее сдерживанию.

Исходя из всего сказанного, можно констатировать, что ставка ЦБ России является инструментом, с помощью которого Банк России воздействует на процентные ставки по депозитам и кредитам, предоставляемые кредитными организациями юридическим и физическим лицам. Поэтому, в своей процентной политике, коммерческие банки в значительной степени ориентируются на ставку ЦБ России.

Влияют ли изменения ставки рефинансирования на финансовое положение населения? Да, влияют! В ситуации, когда понижается ставка ЦБ, с одной стороны выиграют заемщики, а с другой стороны проигрывают вкладчики российских банков, лишаясь части прибыли от своих вложений. Каждое изменение ставки рефинансирования, это вестник того, что в ближайшем будущем возможны изменения (пересмотры) коммерческими банками процентных ставок по депозитам и кредитам. Анализ формирования процентных ставок по депозитам большинства ведущих коммерческих банков России подтверждает это. Ставка рефинансирования всегда доходит почти до уровня инфляции, а это значит, что помимо снижения прибылей, проценты по большинству депозитов оказываются ниже уровня инфляции и вклады постепенно еще и обесцениваются.

Где применяется ставка рефинансирования?

Приведу несколько примеров применения ставки рефинансирования. Так, ставка ЦБ применяется:

  • При налогообложении доходов по депозитам. В соответствии с Налоговым Кодексом Российской Федерации (НК РФ), процентные доходы по отдельным видам депозитов физических лиц попадают под налогообложение. В соответствии с п.2 ст.224 части второй НК РФ « налоговая ставка устанавливается в размере 35% в отношении процентных доходов по вкладам в банках, в части превышения суммы, рассчитанной исходя из действующей ставки рефинансирования ЦБ РФ. Налог исчисляется в течение периода, за который начислены проценты по рублевым вкладам (за исключением срочных пенсионных вкладов, внесенных на срок не менее шести месяцев)».

  • При расчете материальной ответственности работодателя за задержку выплаты заработной платы. В соответствии со статьей 236 ТК РФ при нарушении работодателем установленного срока выплаты заработной платы, оплаты отпуска, выплат при увольнении и других выплат, причитающихся работнику, работодатель обязан выплатить их с уплатой процентов (денежной компенсации) в размере не ниже одной трехсотой действующей в это время ставки рефинансирования Центробанка РФ от невыплаченных в срок сумм за каждый день задержки начиная со следующего дня после установленного срока выплаты по день фактического расчета включительно. Конкретный размер выплачиваемой работнику денежной компенсации определяется коллективным договором или трудовым договором.

  • При расчете пени за просрочку исполнения обязанности по уплате налога или сбора. В соответствии с пунктом 4 статьи 75 НК РФ пеня за каждый день просрочки определяется в процентах от неуплаченной суммы налога или сбора. Процентная ставка пени принимается равной одной трехсотой действующей в это время ставки рефинансирования Центробанка РФ.

Действующую ставку рефинансирования 2008 года и ставку рефинансирования за любой предыдущий период можно посмотреть здесь «Все ставки рефинансирования Центробанка с 1992 г.»

 

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faith robert (2017.03.05 02:29)
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faith robert (2017.03.05 02:27)
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======================================================================
DO YOU NEED FINANCIAL ASSISTANCE?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@GMAIL.COM
DO YOU SEEK FUNDS TO PAY OFF CREDITS AND DEBTS?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@QUALITYSERVICE.COM
WE GIVE OUT LOAN WITH AN INTEREST RATE OF 1.00%
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@AOL.COM
===========================================================================

DO YOU NEED FINANCIAL ASSISTANCE?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM
ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@AOL.COM
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM
DO YOU NEED FINANCIAL ASSISTANCE? ARE YOU IN NEED OF LOAN,
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM
===========================================================================

Dear valued customer,

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
===========================================================================

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
======================================================================

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@qualityservice.com

Please contact us for your secure and unsecured Loan at an Interest rate of 1.00%, Interested applicants should Contact us via email: PergoCF@aol.com

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via email: PergoCF@gmail.com

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement.

Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com

We look forward to hear from you ASAP
===========================================================================

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
===========================================================================

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com

**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Do you seek finance to set up your own business?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?

If interested, Kindly write us back with the loan information:

- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

NOTE: Bear in mind that it will only take less than 48 Hours to process your file is 101% Guaranteed no matter your Credit Score.

Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com

We look forward to hear from you ASAP
===========================================================================

We work with individual investors and the company that provides merchant cash advance, Asset Based Lending, Commercial Real Estate Refinancing, Lines Of Credit, Hard Money Loans, Business Acquisition Financing, Debt Consolidation Loans, and more.

For more information, We encourage you to contact us and learn more about the financing services we offered. If you have any questions or want more information about our company, Interested applicants should Contact us via email: PergoCF@gmail.com

===========================================================================

Do you need Financial Assistance?
Please, contact us for more information: PergoCF@gmail.com
Do you seek funds to pay off credits and debts?
Please, contact us for more information: PergoCF@qualityservice.com
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@aol.com
===========================================================================

Do you need Finance? Are you looking for Finance? Are you looking for a money to enlarge your business? We help individuals and companies to obtain loan for business expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 1.0%, Do you need this cash/loan for business and to clear your bills? Interested applicants should Contact us via email: PergoCF@qualityservice.com

Are You In Need of Loan? Interested applicants should Contact us via email: PergoCF@gmail.com
Do you need Financial Assistance? Interested applicants should Contact us via email: PergoCF@gmail.com
Do you need Finance? Interested applicants should Contact us via email: PergoCF@aol.com
===========================================================================

Business & Personal Loan Offer Affordable Installment loans.
Guaranteed fixed payments.
Interested applicants should Contact us via email: PergoCF@qualityservice.com
Guaranteed fixed interest rates of 1.00%.
Do you need Financial help? Need a personal loan for an unexpected expense?
Do you need a Business Setup Loan? Pergo CF Finances Firm is willing to provides personal loans to individuals And Companies Body with no or less than perfect credit.
Well Offer loan from 5,000.00 USD to 500 Million USD, So if Interested Contact us via: PergoCF@gmail.com
===========================================================================

DO YOU NEED FINANCIAL ASSISTANCE?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@GMAIL.COM
DO YOU SEEK FUNDS TO PAY OFF CREDITS AND DEBTS?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@QUALITYSERVICE.COM
WE GIVE OUT LOAN WITH AN INTEREST RATE OF 1.00%
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@AOL.COM
===========================================================================

DO YOU NEED FINANCIAL ASSISTANCE?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM
ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@AOL.COM
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM
DO YOU NEED FINANCIAL ASSISTANCE? ARE YOU IN NEED OF LOAN,
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM
===========================================================================

Dear valued customer,

WELCOME TO PERGO CORPORATE FINANCE,(PCF) PergoCF@qualityservice.com aims is to provide Excellent Professional Service.

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
===========================================================================

Do you need Financial Assistance? We are looking for businesses that are in need of funding for Acquisition, Expansion, Growth, Refinance or Survival.
We give out loan with an Interest rate of 1.00%

Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:3

If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
===========================================================================

PergoCF@gmail.com (2017.02.22 01:30)
WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.

esther hrh (2017.02.21 16:04)
Я помощь в получении всех кредит $ 1000-5000000 $! Если у вас плохой кредитной истории от банков, неофициальная работа, задержка! Деньги получают в тот же день! Прямо сейчас, напишите нам по адресу, чтобы получить кредит> esteepaydayloans@gmail.com или (esteepaydayloans@gmail.com)

Johnson Hatton (2017.02.19 16:43)
We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

Contact : Mr. Johnson Hatton
Email:johnsonhatton@gmail.com
Skype ID: johnson.hatton007

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

All inquires to Mr. Johnson Hatton should include the following minimum information so I can quickly address your needs:

Complete contact information:
What exactly do you need?
How long do you need it for?
Are you a principal borrower or a broker?

Contact me for more details.

Johnson Hatton

PergoCF@qualityservice.com (2017.02.16 22:56)
DO YOU NEED FINANCIAL ASSISTANCE?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@GMAIL.COM

DO YOU SEEK FUNDS TO PAY OFF CREDITS AND DEBTS?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@QUALITYSERVICE.COM

WE GIVE OUT LOAN WITH AN INTEREST RATE OF 1.00%
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@AOL.COM

DO YOU NEED FINANCIAL ASSISTANCE?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM

PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM

ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@AOL.COM

PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM

DO YOU NEED FINANCIAL ASSISTANCE? ARE YOU IN NEED OF LOAN,
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM

Dear valued customer,

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.


WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@qualityservice.com

Please contact us for your secure and unsecured Loan at an Interest rate of 1.00%, Interested applicants should Contact us via email: PergoCF@aol.com

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via email: PergoCF@gmail.com

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement.

Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com

We look forward to hear from you ASAP


Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.


Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com

**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Do you seek finance to set up your own business?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?

If interested, Kindly write us back with the loan information:

- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

NOTE: Bear in mind that it will only take less than 48 Hours to process your file is 101% Guaranteed no matter your Credit Score.

Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com

We look forward to hear from you ASAP


We work with individual investors and the company that provides merchant cash advance, Asset Based Lending, Commercial Real Estate Refinancing, Lines Of Credit, Hard Money Loans, Business Acquisition Financing, Debt Consolidation Loans, and more.

For more information, We encourage you to contact us and learn more about the financing services we offered. If you have any questions or want more information about our company, Interested applicants should Contact us via email: PergoCF@gmail.com


Do you need Financial Assistance?
Please, contact us for more information: PergoCF@gmail.com
Do you seek funds to pay off credits and debts?
Please, contact us for more information: PergoCF@qualityservice.com
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@aol.com

Do you need Finance? Are you looking for Finance? Are you looking for a money to enlarge your business? We help individuals and companies to obtain loan for business expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 1.0%, Do you need this cash/loan for business and to clear your bills? Interested applicants should Contact us via email: PergoCF@qualityservice.com

Are You In Need of Fund ?__________________Are You In Need of Fund ?
Are You In Need of Fund ?__________________Are You In Need of Fund ? Interested applicants should Contact us via email: (PergoCF@gmail.com) , (PergoCF@qualityservice.com) , (PergoCF@aol.com)

Business & Personal Loan Offer Affordable Installment loans.
Guaranteed fixed payments.
Interested applicants should Contact us via email: PergoCF@qualityservice.com
Guaranteed fixed interest rates of 1.00%.
Do you need Financial help? Need a personal loan for an unexpected expense?
Do you need a Business Setup Loan? Pergo CF Finances Firm is willing to provides personal loans to individuals And Companies Body with no or less than perfect credit.
Well Offer loan from 5,000.00 USD to 500 Million USD, So if Interested Contact us via: PergoCF@gmail.com

DO YOU NEED FINANCIAL ASSISTANCE?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@GMAIL.COM

DO YOU SEEK FUNDS TO PAY OFF CREDITS AND DEBTS?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@QUALITYSERVICE.COM

WE GIVE OUT LOAN WITH AN INTEREST RATE OF 1.00%
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@AOL.COM

DO YOU NEED FINANCIAL ASSISTANCE?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM

PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM

ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@AOL.COM

PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM

DO YOU NEED FINANCIAL ASSISTANCE? ARE YOU IN NEED OF LOAN,
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM


Dear valued customer,

WELCOME TO PERGO CORPORATE FINANCE,(PCF) PergoCF@qualityservice.com aims is to provide Excellent Professional Service.

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.


Do you need Financial Assistance? We are looking for businesses that are in need of funding for Acquisition, Expansion, Growth, Refinance or Survival.
We give out loan with an Interest rate of 1.00%

Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.

PergoCF@qualityservice.com (2017.02.16 22:56)
DO YOU NEED FINANCIAL ASSISTANCE?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@GMAIL.COM

DO YOU SEEK FUNDS TO PAY OFF CREDITS AND DEBTS?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@QUALITYSERVICE.COM

WE GIVE OUT LOAN WITH AN INTEREST RATE OF 1.00%
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@AOL.COM

DO YOU NEED FINANCIAL ASSISTANCE?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM

PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM

ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@AOL.COM

PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM

DO YOU NEED FINANCIAL ASSISTANCE? ARE YOU IN NEED OF LOAN,
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM

Dear valued customer,

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.


WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@qualityservice.com

Please contact us for your secure and unsecured Loan at an Interest rate of 1.00%, Interested applicants should Contact us via email: PergoCF@aol.com

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via email: PergoCF@gmail.com

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement.

Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com

We look forward to hear from you ASAP


Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.


Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com

**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Do you seek finance to set up your own business?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?

If interested, Kindly write us back with the loan information:

- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

NOTE: Bear in mind that it will only take less than 48 Hours to process your file is 101% Guaranteed no matter your Credit Score.

Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com

We look forward to hear from you ASAP


We work with individual investors and the company that provides merchant cash advance, Asset Based Lending, Commercial Real Estate Refinancing, Lines Of Credit, Hard Money Loans, Business Acquisition Financing, Debt Consolidation Loans, and more.

For more information, We encourage you to contact us and learn more about the financing services we offered. If you have any questions or want more information about our company, Interested applicants should Contact us via email: PergoCF@gmail.com


Do you need Financial Assistance?
Please, contact us for more information: PergoCF@gmail.com
Do you seek funds to pay off credits and debts?
Please, contact us for more information: PergoCF@qualityservice.com
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@aol.com

Do you need Finance? Are you looking for Finance? Are you looking for a money to enlarge your business? We help individuals and companies to obtain loan for business expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 1.0%, Do you need this cash/loan for business and to clear your bills? Interested applicants should Contact us via email: PergoCF@qualityservice.com

Are You In Need of Fund ?__________________Are You In Need of Fund ?
Are You In Need of Fund ?__________________Are You In Need of Fund ? Interested applicants should Contact us via email: (PergoCF@gmail.com) , (PergoCF@qualityservice.com) , (PergoCF@aol.com)

Business & Personal Loan Offer Affordable Installment loans.
Guaranteed fixed payments.
Interested applicants should Contact us via email: PergoCF@qualityservice.com
Guaranteed fixed interest rates of 1.00%.
Do you need Financial help? Need a personal loan for an unexpected expense?
Do you need a Business Setup Loan? Pergo CF Finances Firm is willing to provides personal loans to individuals And Companies Body with no or less than perfect credit.
Well Offer loan from 5,000.00 USD to 500 Million USD, So if Interested Contact us via: PergoCF@gmail.com

DO YOU NEED FINANCIAL ASSISTANCE?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@GMAIL.COM

DO YOU SEEK FUNDS TO PAY OFF CREDITS AND DEBTS?
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@QUALITYSERVICE.COM

WE GIVE OUT LOAN WITH AN INTEREST RATE OF 1.00%
PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@AOL.COM

DO YOU NEED FINANCIAL ASSISTANCE?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM

PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM

ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@AOL.COM

PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM

DO YOU NEED FINANCIAL ASSISTANCE? ARE YOU IN NEED OF LOAN,
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM


Dear valued customer,

WELCOME TO PERGO CORPORATE FINANCE,(PCF) PergoCF@qualityservice.com aims is to provide Excellent Professional Service.

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.


Do you need Financial Assistance? We are looking for businesses that are in need of funding for Acquisition, Expansion, Growth, Refinance or Survival.
We give out loan with an Interest rate of 1.00%

Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.

Mr Anderson (2017.02.09 07:02)
Привіт, отримати швидкий і швидкий кредит через Інтернет Фінанси, ми пропонуємо від 3000 євро
до 50,000.000.00 євро з низькою процентною ставкою всього 2% в рік. Для більш
Деталі й додатки, будь ласка, зв’яжіться тут: (cashierslenders02@gmail.com)

Ребекка Джеймс (2017.02.08 14:13)
Вам нужен бизнес-кредит?
Вам нужен персональный кредит?
Вам нужен ипотечный кредит?
Вам нужен сельскохозяйственный кредит?
Годовая процентная ставка составляет 3%.
E-mail: kreditunion1@gmail.com

Ниже приведена форма заявки на кредит. Заполните его правильно и отправить его нам.
1. Ваши Полные имена
2. Ваш Текущий домашний адрес
3. Твоя страна
4. Ваш город
5. Номер твоего мобильного
6. Ваш возраст
7. Мужчина или женщина
8. Ваше семейное положение
9. Твоя профессия
10. Ваш ежемесячный доход
11. Сумма кредита Обязательный, как
12. Цель займа
14. Срок кредита / Продолжительность

Как только мы получим эти детали от вас, мы начнем процесс вашего кредита сразу.
E-MAIL: kreditunion1@gmail.com

Ребекка Джеймс (2017.02.08 12:17)
Вам нужен бизнес-кредит?
Вам нужен персональный кредит?
Вам нужен ипотечный кредит?
Вам нужен сельскохозяйственный кредит?
Годовая процентная ставка составляет 3%.
E-mail: kreditunion1@gmail.com

Ниже приведена форма заявки на кредит. Заполните его правильно и отправить его нам.
1. Ваши Полные имена
2. Ваш Текущий домашний адрес
3. Твоя страна
4. Ваш город
5. Номер твоего мобильного
6. Ваш возраст
7. Мужчина или женщина
8. Ваше семейное положение
9. Твоя профессия
10. Ваш ежемесячный доход
11. Сумма кредита Обязательный, как
12. Цель займа
14. Срок кредита / Продолжительность

Как только мы получим эти детали от вас, мы начнем процесс вашего кредита сразу.
E-MAIL: kreditunion1@gmail.com

Ребекка Джеймс (2017.02.05 08:55)
Вам нужен бизнес-кредит?
Вам нужен персональный кредит?
Вам нужен ипотечный кредит?
Вам нужен сельскохозяйственный кредит?
Годовая процентная ставка составляет 3%.
E-mail: kreditunion1@gmail.com

Ниже приведена форма заявки на кредит. Заполните его правильно и отправить его нам.
1. Ваши Полные имена
2. Ваш Текущий домашний адрес
3. Твоя страна
4. Ваш город
5. Номер твоего мобильного
6. Ваш возраст
7. Мужчина или женщина
8. Ваше семейное положение
9. Твоя профессия
10. Ваш ежемесячный доход
11. Сумма кредита Обязательный, как
12. Цель займа
14. Срок кредита / Продолжительность

Как только мы получим эти детали от вас, мы начнем процесс вашего кредита сразу.
E-MAIL: kreditunion1@gmail.com

Ребекка Джеймс (2017.02.04 20:39)
Вам нужен бизнес-кредит?
Вам нужен персональный кредит?
Вам нужен ипотечный кредит?
Вам нужен сельскохозяйственный кредит?
Годовая процентная ставка составляет 3%.
E-mail: kreditunion1@gmail.com

Ниже приведена форма заявки на кредит. Заполните его правильно и отправить его нам.
1. Ваши Полные имена
2. Ваш Текущий домашний адрес
3. Твоя страна
4. Ваш город
5. Номер твоего мобильного
6. Ваш возраст
7. Мужчина или женщина
8. Ваше семейное положение
9. Твоя профессия
10. Ваш ежемесячный доход
11. Сумма кредита Обязательный, как
12. Цель займа
14. Срок кредита / Продолжительность

Как только мы получим эти детали от вас, мы начнем процесс вашего кредита сразу.
E-MAIL: kreditunion1@gmail.com

Ребекка Джеймс (2017.02.04 20:37)
Вам нужен бизнес-кредит?
Вам нужен персональный кредит?
Вам нужен ипотечный кредит?
Вам нужен сельскохозяйственный кредит?
Годовая процентная ставка составляет 3%.
E-mail: kreditunion1@gmail.com

Ниже приведена форма заявки на кредит. Заполните его правильно и отправить его нам.
1. Ваши Полные имена
2. Ваш Текущий домашний адрес
3. Твоя страна
4. Ваш город
5. Номер твоего мобильного
6. Ваш возраст
7. Мужчина или женщина
8. Ваше семейное положение
9. Твоя профессия
10. Ваш ежемесячный доход
11. Сумма кредита Обязательный, как
12. Цель займа
14. Срок кредита / Продолжительность

Как только мы получим эти детали от вас, мы начнем процесс вашего кредита сразу.
E-MAIL: kreditunion1@gmail.com

Mr Michael Andrew (2017.02.03 11:34)
Я кредита кредитор, я хочу, чтобы вы знали, что я буду в состоянии предложить Вам любой вид кредита, который вы претендуете for.I хотите, чтобы вы знали, что я и сертифицированы кредитора с многолетним опытом работы в сфере кредитования и я выдают Залог или без залога суммы кредитов, начиная от $ 2,000.00 - $ 500,000,000.00 USD с фиксированной процентной ставкой в ​​размере 3% на ежегодной основе.

Я буду наслаждаться возможностью ведения бизнеса с вами, а также помочь положить ваши финансовые проблемы за вас, предлагая вам кредит. Вы находитесь в правильном месте, и я хочу заверить вас, что вы будете рады знать кредитора, как я. Если серьезно и хотите взять кредит от нашей компании, заполнить информацию заемщика "S ниже, чтобы мы могли начать обработку Вашего имени loan.the нашей компании MICHAEL ФИНАНСОВАЯ займа компании.

Напишите мне по ::::: michaelandrewloanfirm@hotmail.com

ЗАЕМЩИКИ ИНФОРМАЦИЯ

Ваши имена ..........
Твоя страна..........
Ваш город..........
Ваш адресс ..........
Ваша профессия ..........
Ваше семейное положение ..........
Текущий статус по месту работы .........
Номер телефона..........
Ежемесячный доход..........
Продолжительность кредита ..........
Сумма кредита..........

Спасибо и надеюсь услышать от Вас как можно скорее, чтобы мы могли отправить вам кредит Условия использования и возврата заемных средств Расписание

Напишите мне по ::::: michaelandrewloanfirm@hotmail.com

Ваш быстрая реакция на это письмо будет весьма признателен.

С наилучшими пожеланиями
Г-н Майкл Эндрю

Розалин Джеймс (2017.01.29 11:00)
Вам нужен быстрый кредит? Мы можем помочь вам с кредита вам нужно.
Мы предлагаем персональные кредиты и кредиты на развитие бизнеса.
Личные кредиты (от $1000 - $550 000)
Бизнес-кредиты (от $5000 - $100 000 000)
Годовая процентная ставка составляет 3%.
E-mail: preeminent.loans@gmail.com

Ниже приведена форма заявки на кредит. Заполните его правильно и отправить его нам.
1. Ваши Полные имена
2. Ваш Текущий домашний адрес
3. Твоя страна
4. Ваш город
5. Номер твоего мобильного
6. Ваш возраст
7. Мужчина или женщина
8. Ваше семейное положение
9. Твоя профессия
10. Ваш ежемесячный доход
11. Сумма кредита Обязательный, как
12. Цель займа
14. Срок кредита / Продолжительность

Как только мы получим эти детали от вас, мы начнем процесс вашего кредита сразу.
E-MAIL: preeminent.loans@gmail.com

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