refinancing
Refinancing means:You already have a loan.You want a new and better loan.For example: A loan with less interest.You pay off the old loan,by taking out a new loan.
Refinancing means:You already have a loan.You want a new and better loan.For example: A loan with less interest.You pay off the old loan,by taking out a new loan.
The website is available in plain language in Czech.
The texts have illustrations.
There are many different articles and guides.
You can access the website online or on your smartphone.
One tip is for example:
Be careful with loans.
Only borrow money that you can afford to repay it.
Make sure you understand the terms of the loan.
This is an Erasmus+ project.
Organisations from Poland, Slovakia and the Czech Republic work together.
The project is coordinated by the organisation Nadácia Viribus Uniti.
The project develops 30 education sets for deaf and hard of hearing people.
The sets use WebQuests.
WebQuests mean:
You get a task.
You solve the task with information from the internet.
The educations set cover many topics:
There are interactive films in Sign Language.
Cryptocurrency means:
You use digital files as money.
Macius Chomski offers accessible financial advice on cryptocurrencies.
There are educational videos about investing in cryptocurrency.
In the videos you can learn:
How can I invest in cryptocurrencies?
How can I manage investment risks?
Marcius has one hundred thousand followers.
There are educational videos for the deaf.
The videos help deaf people to learn financial skills.
What can you learn in the videos?
Information that helps you to manage your money.
Overview of 5peňazí:
The National Bank of Slovakia has educational activities.
The name of the activities is: 5peňazí.
What are the activities?
For example: articles on finance, interviews, quizzes, videos.
ANEPS is a short word for the Slovak deaf association.
ANEPS produced a four-part video series on financial literacy.
The series educates viewers about
managing their finances responsibly and effectively.
It covers these topics:
Video viewers learn knowledge and skills about money management.
Viewers can make better financial decisions.
The project got financial support from
the Ministry of Justice of the Slovak Republic.
For deaf customers, OTP Bank cooperates with KONTAKT.
KONTAKT is a video-based Sign Language interpreting service.
It includes written communication.
Deaf and hard of hearing people have access to:
Accessible financial advice and banking
through KONTAKT video interpreting.
Written and Sign Language communication is available.
If the user is hard-of hearing and cannot sign,
it’s no problem.
The bank wants to provide accessible and barrier-free services
for all people with hearing loss.
Banking is a confidential business.
It is important that all information
is communicated clearly to the people concerned.
For example:
There is no room for misunderstanding
when someone is applying for credit or a bank loan.
The service can be used in any banking transaction:
For deaf citizens, the government window cooperates with KONTAKT.
KONTAKT is a video-based Sign Language interpreting service.
It includes written communication.
Deaf and hard of hearing people have access to:
government administration
through KONTAKT video interpreting.
Written and Sign Language communication is available.
If the user is hard-of hearing and cannot sign,
It’s no problem.
Banking is a confidential business.
It is important that all information
is communicated clearly to the people concerned
The service can be used for any administration:
Sign Language is not taught in Hungarian schools.
Therefore, deaf people only achieve low levels of education.
For example, in maths and financial skills.
They face dangers:
This means getting cheated.
Jelalapítvány provides videos in Hungarian Sign Language.
The videos help to build up financial awareness and knowledge.
The videos cover the following topics:
For deaf customers, ERSTE Bank cooperates with KONTAKT.
KONTAKT is a video-based Sign Language interpreting service.
It includes written communication.
Deaf and hard of hearing people have access to:
Accessible financial advice and banking
through KONTAKT video interpreting.
Written and Sign Language communication is available.
If the user is hard-of hearing and cannot sign,
It’s no problem.
The bank wants to provide accessible and barrier-free services
for all people with hearing loss.
Banking is a confidential business.
It is important that all information
is communicated clearly to the people concerned.
For example:
There is no room for misunderstanding
when someone is applying for a credit or a bank loan.
The service can be used in any banking transaction:
Levente Lőrincz works as a financial adviser at Generali Hungary.
He is a personal adviser.
He can help deaf and hard of hearing people in their mother tongue.
He is involved with the deaf community.
His parents are deaf.
He is a hearing CODA.
He explains:
what to look out for when choosing insurance for
He suggests:
What to look out for when choosing a loan
For example for:
He gives advice on savings to help you
move towards a more conscious and financially stable life.
Emil Banca is the first bank in Italy to offer:
a video-interpreting service for deaf people.
There are two ways to use it:
When you can use the service:
Mondays, Wednesdays and Fridays:
From 9 a.m. to 12 noon
Tuesdays and Thursdays:
From 3 p.m. to 6 p.m.
The bank plans to have longer opening hours in the future.
You can book an appointment at your branch:
How? Click the button on the bank website.
A video call to an interpreter will start.
Deaf users communicate in real time with the bank through the interpreter.
If you go to the bank:
You can also use this service.
You don’t need an appointment.
The bank employee will call the interpreter on their tablet.
The interpreter interprets the conversation.
The barrier-free videos are aimed at people who use Austrian Sign Language as their first language.
Various topics are summarized and explained in 11 Austrian Sign Language videos.
The videos cover topics such as:
Signing Banks is an Erasmus+ project.
The project is innovative.
It focuses on human beings and technology.
The aim of the project is:
The promotion of full financial inclusion for:
The project deals with:
The Signing Bank project lasts 25 months.
The project has 3 target groups:
On the Signing Banks website, you find:
What accessible services financial institutions offer.
What the deaf community experiences.
There are best practices for deaf financial inclusion.
With information about:
How can banks meet the needs of deaf customer
The National Social Security Institute in Italy
facilitates access to its services for deaf people.
In 2014, they started the service “Voice for the Deaf desk”.
The service is only for deaf users
and it is managed by deaf employees.
The deaf employees are trained and instructed.
They communicate with deaf clients in Italian Sign Language.
The service is available at selected locations.
Deaf users get information about the service.
Deaf users can request an appointment via e-mail
The voice Helpdesk for the deaf is now active
in 52 bank branches in different regions:.
New branches are being added.
In 2019, BNL organised a diversity week.
BNL is a short word for the National Bank of Labour in Italy.
The BNL employees found out that:
Deaf people are potential future customers.
They can’t read typical financial contracts independently.
Why?
Deaf people are used to the structure of Sign Language.
The structure of written Italian is different.
In 2019, BNL hired the first 4 deaf employees.
The deaf employees give advice in Sign Language.
BNL organised workshops for deaf clients and colleagues.
BNL developed a service model
with communication in Italian Sign Language.
BNL gives their deaf employees special devices.
With the devices, they can communicate with people.
who don’t understand the Italian Sign language?
The devices translate speech into written language.
and written language into spoken words.
The aim is:
Communication is an access point, not a barrier.
The name of the Viennese deaf association is WITAF. WITAF provides counselling on various topics for deaf individuals. If you have questions about subjects such as:
with official documentation and visits to government offices and many more. Then WITAF is the right place for you. Appointments can be scheduled in advance. You can also attend open counselling on Wednesdays from 2 pm to 7 pm without an appointment.
The barrier-free videos are aimed at people who use Austrian Sign Language as their first language.
Various topics are summarized and explained in 11 Austrian Sign Language videos.
The videos cover topics such as:
Two banks in Austria offer consultation services with Sign Language interpreters:
Bank Austria offers a service called SmartBanking in Austrian Sign Language. This allows deaf people to access Bank Austria’s consultation services by video call. Interpreters translate the contents of the consultation into Austrian sign language. SmartBanking in Sign Language enables you to conduct your banking transactions by video call. You can get in touch with your advisor using your tablet, smartphone, or laptop. This service is available: Monday to Friday, between 9:00 AM and 3:00 PM.
Erste Bank offers consultation services in Austrian Sign Language. You can request an accessible consultation appointment through the Erste Bank website. The bank will provide you with an Austrian Sign Language interpreter.
There are two options:
You can book an appointment in person at the Erste Bank branch in Vienna, 1st district.
You can write in the “”additional comments”” section that you want to have an appointment by video call.
There are videos in Austrian Sign Language on the website of the Ministry of Finance. These videos provide you with an understanding of the work of the Ministry of Finance. There are several videos covering three main topics:
If you have ever wondered about:
you will find answers on the Ministry of Finance’s website.
On the website of Sign Media Enterprise, you will find:
videos in Sign Languages
for people who want to start a company.
There is a section about finances.
Financial terms related to bookkeeping and business finances
are explained in Sign Language videos.
The videos are available in: