Investments 2024, December

Refund Of Income Tax When Buying An Apartment On A Mortgage

Refund Of Income Tax When Buying An Apartment On A Mortgage

Last modified: 2023-12-17 02:12

In accordance with the law, the state returns 13% of the value of real estate purchased under a mortgage loan. In fact, this is a return of income tax deducted from monthly salaries. Who can get money back when buying a home All people who work officially and do not hide their wages from the state have the right to receive income tax deduction for an apartment purchased on a mortgage

How To Reduce Your Mortgage Interest

How To Reduce Your Mortgage Interest

Last modified: 2023-12-17 02:12

Borrowers who took out a mortgage several years ago are now at a very disadvantage. Indeed, over the past five years, mortgage interest rates have decreased from 14-16% to 11-13%. On the other hand, such borrowers always have the opportunity to revise the terms of lending and achieve a reduction in interest rates on the loan

How To Get A Mortgage Subsidy

How To Get A Mortgage Subsidy

Last modified: 2023-12-17 02:12

On the territory of the Russian Federation and in the regions, there are a number of programs for registration of benefits for mortgage lending, thanks to which citizens can register the purchase of housing and receive a subsidy to repay the mortgage loan

How Much Do You Need To Receive Per Month To Take Out A Mortgage

How Much Do You Need To Receive Per Month To Take Out A Mortgage

Last modified: 2023-12-17 02:12

The size of the borrower's income is one of the most important factors affecting the approval of a mortgage loan. It must be sufficient to meet mortgage obligations. How To Determine Income Level For A Mortgage Loan In order to determine the required level of income for obtaining a mortgage, you need to calculate the monthly payment

What Income Is Needed For A Mortgage

What Income Is Needed For A Mortgage

Last modified: 2023-12-17 02:12

The financial condition of the borrower is one of the key factors that influences the bank's decision to grant a mortgage. Therefore, a preliminary assessment of your chances of getting a loan can be based on comparing your own income level and the required minimum for approving a mortgage

What Banks Give A Mortgage Without A Down Payment

What Banks Give A Mortgage Without A Down Payment

Last modified: 2023-12-17 02:12

Today, many banks provide the opportunity to purchase housing on a mortgage without a down payment. Despite the fact that the conditions are less favorable than with a classic mortgage, the borrowers agree to them too. Indeed, for many, such a loan is the only opportunity to buy their own home

How To Calculate Mortgage Payments

How To Calculate Mortgage Payments

Last modified: 2023-12-17 02:12

The mortgage agreement necessarily contains the calculation of forthcoming payments. However, it is better to take care of the calculations beforehand. This will allow you to compare your own financial capabilities and the amount of monthly payments, as well as assess the profitability of the mortgage offer

Why Does Sberbank Refuse A Mortgage

Why Does Sberbank Refuse A Mortgage

Last modified: 2023-12-17 02:12

In the event of a negative decision to grant a loan, Sberbank is not obliged to explain the reasons. However, the borrower can assess his chances even before applying for a mortgage. To do this, it is enough to analyze the most probable reasons for the refusal

How To Get A Mortgage Without A Down Payment In

How To Get A Mortgage Without A Down Payment In

Last modified: 2023-12-17 02:12

The presence of an initial payment (at least 10% of the total amount) in most cases is a prerequisite for obtaining a mortgage. But borrowers do not always have such funds. Even in the absence of a down payment, some banks are ready to provide mortgage loans

How To Get A Mortgage And What Is Needed For This

How To Get A Mortgage And What Is Needed For This

Last modified: 2023-12-17 02:12

The issue of purchasing their own home worries many. Savings are not always enough for this, sometimes you have to go to the bank and get money on loan. Having received a positive response from the bank, you can safely choose an apartment according to your own taste

What Documents Are Needed For A Mortgage In Sberbank

What Documents Are Needed For A Mortgage In Sberbank

Last modified: 2023-12-17 02:12

The housing issue remains relevant and painful for many categories of citizens. In part, a bank mortgage loan helps to solve it, for which you need to provide the necessary package of documents. Thanks to mortgage lending, many families were able to solve the housing problem

How To View Your Retirement Savings

How To View Your Retirement Savings

Last modified: 2023-12-17 02:12

It is very easy to monitor the state of your retirement savings now. In order to see the amount of savings, it is enough to have a computer and Internet access. All information is available by SNILS number. Also, your pension fund can provide data on retirement savings

How To Check Your Pension Fund Contributions

How To Check Your Pension Fund Contributions

Last modified: 2023-12-17 02:12

Once a year, the Pension Fund of the Russian Federation sends out notifications of this by mail to all Russians for whom deductions were made there. But if you do not want to wait, you can get a statement of the state of your personalized account using the portal of public services or send a request to your branch of the pension fund

How To Find Out About The Receipt Of Money On The Account

How To Find Out About The Receipt Of Money On The Account

Last modified: 2023-12-17 02:12

Today we see cash less and less, as the electronic ones stored in bank accounts and Internet wallets are becoming more and more durable in our lives. To find out about the receipt of money on the account, you need to look at the current state of the account

How To Put Money On A Megaphone

How To Put Money On A Megaphone

Last modified: 2023-12-17 02:12

A positive balance on your cell phone account is a guarantee that at the right time you will be in touch. There are standard ways to replenish your balance, but you can use others - less popular, but perhaps more convenient at one time or another

How To Transfer Money Through Euroset

How To Transfer Money Through Euroset

Last modified: 2023-12-17 02:12

Cellular salons “Euroset can be found even in a small village. But they not only sell mobile phones and accept payments for the services of mobile operators. If necessary, you can transfer money through Euroset both to Russia and the CIS countries, and around the world

How To Check The Correctness Of The Pension Calculation

How To Check The Correctness Of The Pension Calculation

Last modified: 2023-12-17 02:12

Pension is the remuneration received by citizens from pension, insurance and other funds at the end of work, upon reaching a certain age, for disability and in some other cases. The state guarantees the social security of pensioners, therefore pensions are often revised and recalculated

How To Get 13% Back On Tuition

How To Get 13% Back On Tuition

Last modified: 2023-12-17 02:12

Currently, almost 70% of higher education in Russia is paid. Tuition in art, music, sports schools and other educational institutions is also paid. Tuition fees are often one of the biggest expense items in the family budget. The Tax Code of the Russian Federation provides for the payment of a social tax deduction for taxpayers for their own education, for the education of children or children under guardianship

How To Add Money To Another Subscriber

How To Add Money To Another Subscriber

Last modified: 2023-12-17 02:12

The development of mobile technology has led to the fact that a modern person can no longer do without a cell phone. And as always, at the most inopportune moment, the money on the phone runs out. If your friend is in such a situation, then you can help him, as there are many payment and balance top-up options

How To Calculate Your Pension

How To Calculate Your Pension

Last modified: 2023-12-17 02:12

According to the Federal Law of December 17, 2001, No. 173 "On Labor Pensions in the Russian Federation", women over 55 years old and men over 60 years old have the right to an old age labor pension if their work experience is at least 5 years

How To Fund A Paypal Account Without A Card

How To Fund A Paypal Account Without A Card

Last modified: 2023-12-17 02:12

With the development of Internet technologies, various electronic payment systems, for example, PayPal, are becoming more and more popular. They allow you not to risk leaving information about your bank card on unfamiliar sites. In addition, you can manage your PayPal account, for example, replenish it, without having a bank card at all

How To Pay For Light By The Meter

How To Pay For Light By The Meter

Last modified: 2023-12-17 02:12

To pay for electricity, more and more people use the readings of electricity meters. However, not everyone knows how to remove them correctly and fill out receipts for payment. Only the accuracy of filling out the papers guarantees the correct payment for electricity

How To Get 13% Back On A Car Purchase

How To Get 13% Back On A Car Purchase

Last modified: 2023-12-17 02:12

According to the Tax Code of the Russian Federation, a taxpayer has the right to receive a property tax deduction from the amount he spent on the purchase of a residential building, apartment, education, treatment and other vital needs. The list of objects for which a 13% refund is provided is given in Art

How To Create An Electronic Wallet In Belarus

How To Create An Electronic Wallet In Belarus

Last modified: 2023-12-17 02:12

At the beginning of 2012, there are only two legal electronic money systems on the territory of Belarus. This state of affairs is not very pleasant for businessmen who do business in this country. In any case, it is important to know some of the pitfalls of creating electronic wallets in Belarus

How To Transfer Money To Another Number

How To Transfer Money To Another Number

Last modified: 2023-12-17 02:12

Mobile operators offer a very useful service: you can transfer money from your account to the account of a loved one who, for whatever reason, cannot currently top up his account on his own. It is necessary Cell phone with positive balance Instructions Step 1 The algorithm of actions depends on the services of which telecom operator you use

How To Top Up The Balance From Another Number

How To Top Up The Balance From Another Number

Last modified: 2023-12-17 02:12

“A friend in trouble will not leave, he will not ask too much - the characters of the old cartoon sang. Of course, zero on a mobile phone balance is not the worst trouble in a person's life. Rather a nuisance. But if it happened to your friend, and you have the opportunity to help him, then do it

How To Find Out Contributions To The Pension Fund

How To Find Out Contributions To The Pension Fund

Last modified: 2023-12-17 02:12

To find out the deductions made for you by employers and other tax agents in the past year, you can simply wait for a message from the Pension Fund of the Russian Federation, popularly known as a "letter of happiness." But there is an option that allows you to get this information faster - using the portal of public services or upon request to the Pension Fund

How To Get Tax Free In Moscow

How To Get Tax Free In Moscow

Last modified: 2023-12-17 02:12

If you have not received a VAT refund at customs for goods purchased on a trip abroad, do not rush to throw out tax free checks and cashier's checks for goods, since some banks in the Russian Federation provide a service for obtaining a tax refund

How To Calculate The Salary For An Incomplete Month

How To Calculate The Salary For An Incomplete Month

Last modified: 2023-12-17 02:12

If an employee has worked a part-time working month and has not fully worked out the working hours established in a given month, then the salary, payroll taxes and the amount of the regional coefficient are calculated based on the actual hours worked

How To Find Out The Balance On The Passbook

How To Find Out The Balance On The Passbook

Last modified: 2023-12-17 02:12

Most Russian citizens have personal bank card accounts, but many people, including retirees, use traditional savings books. You can find out the state of the account in the savings book using the phone, the Internet or a personal visit to the bank upon presentation of an identity document

How To Write An Application For Financial Assistance

How To Write An Application For Financial Assistance

Last modified: 2023-12-17 02:12

The company can provide gratuitous material assistance to its employees or their family members. To receive financial assistance, you must write an application addressed to the head of the enterprise. The head will sign the statement and issue an order for the provision of material assistance

How To Cash Out Money From A Mobile Phone Account

How To Cash Out Money From A Mobile Phone Account

Last modified: 2023-12-17 02:12

Surplus money on the balance of a mobile phone can be cashed - received directly into your hands or transferred to a bank account. The easiest way to do this will be for subscribers of the Megafon and Beeline networks - for this, these operators provide convenient money transfer services

How To Find Out How Much Money Is On The Account Of Another Subscriber

How To Find Out How Much Money Is On The Account Of Another Subscriber

Last modified: 2023-12-17 02:12

Checking someone else's balance is quick and easy. However, it is better to receive such information directly from the operator, and not with the help of different companies. You should not put your information at risk, especially since you can get such information from an official operator completely free of charge

How To Get A Sberbank Bank Card

How To Get A Sberbank Bank Card

Last modified: 2023-12-17 02:12

Today, Sberbank of Russia offers a good selection of various bank cards. Debit cards, credit, social, youth - you can choose any card, focusing on your needs and preferences. And you can get a Sberbank bank card in just a few minutes. Instructions Step 1 The registration procedure is quite simple

How To Get A Loan If Owed To Banks

How To Get A Loan If Owed To Banks

Last modified: 2023-12-17 02:12

Often, a borrower with a bad credit history who has debts in different banks again needs borrowed funds. Where to apply in this case, what to do and whether it is possible to get another loan without paying off the debt - these questions immediately arise before the debtor

How To Activate The Russian Standard Card

How To Activate The Russian Standard Card

Last modified: 2023-12-17 02:12

A credit card is a very useful financial tool. It is not necessary to run to friends in order to borrow money to paycheck, you do not need to beg for installments, but you can simply pay for the service with a credit card or withdraw cash from it

How To Reduce Accounts Payable

How To Reduce Accounts Payable

Last modified: 2023-12-17 02:12

Accounts payable is a certain debt of an entity (enterprise or individual) to other organizations or persons, which this entity must repay. In this case, accounts payable, as a rule, arise if the date of receipt of goods, services or works does not coincide with their actual date of payment

How To Get A Loan If There Is A Debt In The Bank

How To Get A Loan If There Is A Debt In The Bank

Last modified: 2023-12-17 02:12

If in one bank there is a debt on the borrowed loan, in another credit institution you can get a loan for repayment. Requirements for the borrower in all credit structures are practically the same; for on-lending, you must submit a package of documents

How To Get A Loan With Bad Credit History

How To Get A Loan With Bad Credit History

Last modified: 2023-12-17 02:12

A damaged credit history occurs when there is an overdue debt on a loan or loan, for which the lender went to court to pay off. Banks, as a rule, are quite skeptical of such potential borrowers and refuse to grant them a loan. To get a loan, you must first correct your credit history

What To Do If You Have Nothing To Pay Off A Credit Card Loan

What To Do If You Have Nothing To Pay Off A Credit Card Loan

Last modified: 2023-12-17 02:12

The reason for the inability to repay the debt to the bank on a credit card can be any: job loss, illness, accident. You should not avoid dialogue with bank employees, but on the contrary, you need to try to resolve this issue with the least loss in the shortest possible time