Investments 2024, May
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
“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
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
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
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
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
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
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
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
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
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
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
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
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
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
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