Life event · Loan meeting
The bank wants to know what's left on average each month. centino works it out from your real transactions, by budget group and as CSV to take along.
Notify meThursday evening, two days before the appointment at the bank. Eva and Daniel sit at the dining table with a folder of bank statements, trying to put together a household budget.
They are 38 and 40 and want to buy a flat. The bank has asked for their monthly income and spending. They want to know: what's really left, and what does our month look like with the repayment?
Instead of typing up bank statements, they import the last year's transactions.
In centino: The household statement shows income and spending by budget group and what's left on average each month, to take along as CSV.
The bank has made an offer. What does their month look like with the new repayment?
In centino: In Budget planning they set the housing group to the new repayment and see what will be left after it.
The flat is bought, and a large part of their savings is in it now.
In centino: Under Net Worth they see accounts and portfolios together and how their net worth develops month by month.
Everything sits in one file encrypted with AES-256, protected by your password. No user account, no bank login, no server. What you look at stays with you.
That's up to the bank. centino works with your real transactions and exports the household statement as CSV, to take along or use elsewhere.
Ask your bank which period it wants to see. centino works with the completed months you select.
No. centino shows your own numbers clearly. You make the decisions yourself, with professional advice where needed. More under Notices and liability.
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