Investments 2024, November
A donation agreement or deed of gift is a common document drawn up within the framework of civil law. In accordance with it, one of the parties transfers any private property for free use to the other. This also applies to financial resources that can be used to purchase an apartment on a mortgage
Termination of a mortgage is an increasingly common problem in modern times. Whatever the reason for the termination of the contract, its competent implementation will help the borrower to avoid unnecessary financial losses. It is necessary - mortgage agreement
Sometimes circumstances arise in people's lives that push them to find ways to pay off the mortgage. Usually this is due to the desire to take money for the purchase of housing of a larger area or to pay off old debts. Instructions Step 1 In order to get rid of a loan taken for many years, it is possible to sell a mortgaged apartment or ordinary housing, although it is not so easy to do this, since you need to take the consent of the bank that issued you the mo
The down payment is usually made in order to confirm the intention to conclude an agreement, and the possibility of refunding such a contribution largely depends on the terms of this document. When concluding a contract, it is necessary to carefully study the conditions for the return of funds:
Mortgages are the only option for many families to acquire their own home. When paying off this loan, you can save money, for example, if you repay it partially or completely in advance. It is necessary - passport; - money
There may be several reasons for selling an apartment in a mortgage, but the main ones are the lack of financial ability to pay monthly mortgage payments, the desire to purchase a new, more spacious housing, an unscheduled move to another city, or the desire to make money on the rise in price
Many young women, having received maternity capital from the state, invest it in the acquisition of real estate. And this process takes place according to the following scheme: young parents buy an apartment or a house with a mortgage and part of the mortgage loan is paid out of the maternity capital
When calculating UTII, entrepreneurs use the K2 coefficient to adjust the basic profitability. This parameter characterizes the peculiarities of doing business, including the mode of operation, the range of services, the amount of income, etc
Many entrepreneurs, when registering, choose a single tax on imputed income (abbreviated UTII, "imputed"). This is the name of one of the systems of taxation of certain types of entrepreneurial activity. The taxation of UTII differs from other schemes in that the tax is calculated not from the actually received, but from the imputed income, that is, the income assumed by you by Russian officials
No one is immune from mistakes, including an accountant, who, by the nature of his activity, is constantly faced with a large amount of information and various calculations. For these cases, there are many rules and regulations governing the procedure for making corrections in different documents
The rules for calculating the tax on property of organizations are regulated by Chapter 30 of the Tax Code of the Russian Federation. They apply to all constituent entities of the Russian Federation, while, within the established framework, the regional authorities can regulate certain aspects of taxation
The corporate property tax is the average annual value of all property that is recognized as an object of taxation. That is, any immovable and movable property accounted for as an object of fixed assets on the balance sheet of an enterprise in accordance with the accounting procedure
Since 2015, a new taxation law comes into force. Now calculating the property tax of individuals is a headache for people. The peculiarity of the calculation is that the cadastral value becomes the base, and the tax rate will have a three-level system
Organizations' property tax is paid in all constituent entities of the Russian Federation. Each of the subjects has its own separate tax payment law, which provides for the specifics of the region. Organizations charge tax on movable and immovable property, which is reflected in the balance sheet as fixed assets
Collateral is the security of debt obligations with valuable movable, immovable or other property. In accordance with Federal Law 129, 197, 306, 102, the pledge is formalized by an agreement and returned after the debtor has fulfilled all his obligations to the creditor
Despite the fact that the construction services market is still two-thirds gray, more and more experienced foremen and foremen are switching to a “white” system of work - they register a full-fledged company and begin to conduct transparent accounting
In all regions of Russia, local authorities (housing committees) issue certificates confirming the right to receive a certain amount of money from the state when buying a home. Funds are transferred to the personal account of the seller, credit institution or real estate agency
Sberbank provides citizens with different types of credit programs. There are basic ones - the purchase of finished or under construction housing and the construction of a residential building. There are special ones - "Suburban real estate"
Today Sberbank is one of the leaders in the Russian mortgage lending market. They are offered a wide range of loan programs. The package of documents requested by the bank depends on the type of mortgage. It is necessary - application form for obtaining a mortgage by the borrower and co-borrower
The remote customer service system "Sberbank-online" allows you to quickly and conveniently transfer money, open deposits, apply for opening cards and obtaining loans. In particular, bank customers can get approval for a mortgage without going to the office in person
Cash settlements between the parties must be made in accordance with applicable law. The only document certifying the transfer of money to debt or as a settlement for a transaction is a written receipt. When properly executed, the parties are legally protected from any fraudulent actions
The need to formalize any transactions involving cash is obvious. And yet, many people, in the event of a debt repayment, for example, do not consider it necessary to draw up a receipt for the transfer of money. Judicial practice shows that such carelessness can lead to the most sad consequences
The garage can be sold very quickly, if all the documents are prepared, and you plan to use the services of intermediaries, which are contacted by a large number of citizens planning to buy real estate. If you do not want to use the services of a real estate agency, then a quick sale can be carried out on your own by placing ads in the media
In the case when an apartment is being sold, one of the owners of which is a minor child, the guardianship and guardianship authorities require that the amount of money received from the sale of real estate corresponding to the minor's share be transferred to the bank account of this minor
Few people know that by purchasing housing, you can partially return its value. In accordance with Russian law, the buyer of a residential property has the right to a once-in-a-lifetime refund of 13% of the cost of an apartment or house. This amount is the income tax paid
When making transactions with real estate, each of the parties wants to completely protect themselves from illegal actions. The seller is especially vulnerable in this respect. Are there ways that can reduce the financial risks arising from cash settlements?
If you bought an apartment, you should know that according to the law of the Tax Code of the Russian Federation, Article 220, you can return 13% of the purchase price within three years from the date of purchase and sale. A tax deduction can only be obtained once in a lifetime
The maternity certificate is used to buy a dwelling on the secondary market or in a house under construction. Documents are submitted to the Pension Fund at the stage of concluding a transaction with the seller. One of the areas in which you can spend maternity capital funds is the purchase of residential premises
Your old dream has come true - you bought an apartment. Surely, you have spent a lot of money, both personal savings and credit. It took a lot of time and effort to complete all the necessary documents. But you still have very little work to do to get the property tax deduction on your home purchase
Buying your own apartment, as a rule, is associated with high monetary costs. In any case, in addition to the joy of purchasing your own home, you are entitled to a benefit provided by the Tax Code of the Russian Federation in the form of a property tax deduction
Every Russian once in a lifetime has the right to a tax deduction when buying a home. If he bought a house or apartment, the state will refund him taxes that he had previously paid on the entire value of the real estate, if it cost less than 2 million rubles, and part, if more expensive
Matkapital can be used to buy an apartment. This can be done with a direct deal, without a loan, when the second child turns three years old. With a mortgage, money can be transferred to the bank without this condition being met. The creation of the maternity capital program was due to the desire of the state to help young parents solve issues related to improving the quality of life
Maternity capital is a wonderful state form of support for a Russian family with two or more children. However, when receiving it, not all moms know how to use it. There are several options for the implementation of maternity capital. It is necessary Application for maternity capital, passport
The ability to properly manage your funds is a real art that allows you to establish friendly relationships with money. Life "from paycheck to paycheck" is a vivid example of illiterate spending of funds. If a short delay can cause the emergence of new debt obligations, then it is time to revise the principles of forming a family budget
At the birth of a third child, a young family receives the status of a large family. In Russia, within the framework of a comprehensive program to increase the birth rate, a number of projects are being implemented to help large families. At the birth of a third child in a family, a woman receives all the benefits provided by law for newly-made parents
Russian financial giant PJSC Sberbank of Russia is cutting interest rates on mortgage lending. By the end of the year it will reach 7, 1-9, 5% per annum. In addition, by the end of August, new borrowers can take part in the action by taking out a mortgage at a record minimum rate - from 6, 7 to 9, 1%
Today Sberbank offers various types of loan products. These are consumer loans, construction loans, home purchases, car loans and credit cards. The choice of a particular loan product determines the list of documents that must be submitted to the bank for processing a loan application
The analysis of the dynamics of indicators begins with how exactly they change (increase, decrease or remain unchanged) in absolute and relative terms. To track the change in the series of dynamics over time, indicators are calculated: absolute change, relative change, rate of change
According to the law on tenders, a request for quotations is a method of placing an order, in which all information is communicated to an unlimited number of persons by publishing a notice on the start of a quotation on the official website
A correspondent account is an account used for settlements of one credit institution on behalf of another on the basis of a concluded correspondent agreement. International banks serve national or regional banks, thereby providing services to their clients