Investments 2024, November

Sberbank has cut rates on some loans for small businesses by 5.5 percentage points at once. The minimum rate is now 11.8% Small business development is often hampered by obstacles in the way of aspiring entrepreneurs. One of the obstacles is the difficulty in obtaining and repaying a loan

An unsecured personal loan will allow you to quickly borrow a small amount without providing collateral. But this type of loan has both pluses and minuses. Sometimes a situation may arise when a person urgently needs money. But a citizen cannot provide a collateral

There are many ways that banks are trying to protect themselves from problem loans: checking income, place of work, age of the borrower, careful study of credit history, etc. However, what are these problem loans? And how do they threaten the debtor and the bank?

Retired borrowers know that it is much more difficult for pensioners to get a loan from a bank than for younger people. And this is not surprising, since any financial institution forms a portfolio with a low level of risk. That is why most banks prefer to cooperate with citizens who have not only a stable, but also a high level of income

In recent years, Russians have begun to turn to banks more often for financial assistance. The most popular products are consumer loans, car loans, and mortgages. At the same time, not all borrowers fulfill their debt obligations. The Russians have finally recovered from the crisis and decided to live in grand style

Applying for a loan at a particular bank does not mean at all that it must be repaid right there. This can be done through another financial organization, for example, to pay a loan at Setelem Bank through Sberbank Online. Features of loan repayment To pay for a loan drawn up in Setelem Bank, in another banking institution, it is not necessary to be a client of the latter

Lombard loan is a type of short-term loan. It is provided only against the security of the property of a person who wants to take out a loan. The property must be in demand and well sold in the consumer market. The collateral in this case requires high liquidity

The difference in terms of lending can be very significant, and the interest rate can differ by 10-20%. You can browse the websites of the banks one by one. Or you can turn to an easier way and choose a profitable loan online in 5 minutes. Instructions Step 1 Choose a reliable loan comparison service

Everyone knows that loans are issued at a certain interest rate. And having taken one amount, you will have to return many more. Is it possible to take out a loan and not overpay? A loan is an alternative solution in a situation when there is not enough material resources or in their absence

It is considered terrible in society to live on credit, but only short-sighted people can think so. If you use both your personal savings and borrowed funds correctly, then many everyday problems are solved without wasting time and effort. Lending is a mechanism for transferring borrowed funds to a consumer from a financial institution with the condition of returning the announced amount of debt plus interest for using the money

Evasion of payment of debt on a loan is a violation of the law and, depending on the size of the debt, is punishable by a fine or a prison term. At the same time, an attempt to hide from law enforcement agencies and abandon their own family can become an aggravating factor

A loan secured by movable or immovable property is provided by most of the banks in our country. Such a loan differs from the rest in that it can be obtained in a fairly short time. A secured loan is often called differently - a secured loan

Having a loan does not at all mean that debt repayment should be constantly carried out according to a strict schedule. Depending on the client's life situation, the bank can make certain concessions, for example, provide a "credit vacation"

Bank loans are classified by purpose, method of obtaining, interest rates and availability of collateral. When choosing suitable conditions, the terms, limits and the need to provide a full package of documents are taken into account. Rates often depend on the latter

Preparing for the New Year, celebration, New Year's holidays. So many days off, I want to please family and friends with gifts, a country trip or just shopping. Finding the strength for all this is not easy. Finding money for all this is even more difficult

Secured loans are a type of lending to borrowers. The loan is secured by the goods that the borrower purchased on credit and which remains in the ownership of the lender until the entire loan is paid in full. Most often found in mortgage lending, car loans and other types of lending for the purchase of expensive goods

Sometimes, when a bank loses its license, people think that the obligations on loans taken from it have been terminated. This is a very dangerous misconception because the debt remains and will need to be paid. But what exactly happens to the loan in this case?

Underwriting serves as a check of not only economic, but also psychological parameters of a potential borrower. It is important for the bank to know what is the probability of repayment of the loan provided. Knowing the general principles of underwriting can increase the chances of getting a positive response when submitting an application

Most people have come across at least once calls from a bank where they are offered favorable terms on a loan or credit card. Sure? for some clients, such a call may be timely and help resolve a material issue. But many people want only one thing - to end this conversation quickly

In case of divorce of spouses, the division of personal property is carried out by mutual consent or by a court decision. If the specifics of a section of real estate and other examples of real property are most often understood, credit obligations can cause confusion

There are several ways to pay for goods or services by invoice. This can be a payment through a bank account using paper media or through the Bank-Client system, by electronic money or in cash to the organization's cash desk. Instructions Step 1 To pay by bank transfer, print the payment order

If you bought a home with a mortgage, you are entitled to a tax deduction on the interest paid on the entire amount. To obtain it, you must contact the tax office with a package of necessary documents. This must be done after each year in which you paid interest on the mortgage agreement

One of the most common ways to reduce wage taxes is to work on a “gray” (low salary, supplemented by large bonuses) or “black” (no registration) wages. Nevertheless, many seek to legally reduce taxes on the money earned. Instructions Step 1 One of the simplest and most common ways is the standard tax deduction

A tax deduction is an amount that reduces the amount of money (income), which, in turn, is taxed. After all, as a rule, the income you receive is only 87% of what you actually earned. Because from every 100 rubles, 13 rubles are deducted by your employer

Absolute values in statistics are generalized indicators that characterize the size of social phenomena in specific conditions of place and time. Absolute size is its value taken by itself without regard to the size of other phenomena. Absolute values are named numbers that express the size of phenomena in certain units of measurement (people, rubles, pieces, person-days, etc

When selling securities, you must pay tax. The taxable amount depends on the costs of acquiring and selling the shares, as well as on the broker that the investor uses. Instructions Step 1 If you sell shares or other securities - shares, bills of exchange, etc

If the invoice for payment presented by the supplier does not indicate VAT, first of all it is necessary to find out whether the supplier organization is a taxpayer or it is just negligence when filling out this document. Instructions Step 1 Call the accountant of the supplier organization and clarify the information on VAT

Prior to filing a claim for payment of interest, issuing an invoice, filing a claim, interest should be charged. In fact, the calculation boils down to the following formula: A (amount owed) x B (interest rate in%) x C (number of days in arrears)

Many people are interested in financial news today. Information about changes in stock prices, the results of daily trading, as well as large fortunes acquired by successful brokers form an opinion about foreign exchanges as high-tech and ultra-modern trading platforms where you can make great money

Payment terminals are becoming an increasingly common way to pay for various services. The problem may arise if you want to return the money due to a technical error or your own inattention. But here, too, you can hope for a positive solution to your question

The obligation to timely pay taxes and fees established by law is stipulated in paragraph 1 of Art. 3 of the Tax Code of the Russian Federation and Article 57 of the Constitution of the Russian Federation. This obligation applies to all resident individuals, i

Payment of state duty is a small but frequent type of expenses that any organization incurs in the course of its activities. The types and amounts of fees are very different, but the accounting mechanism is very similar. But what can I say, the correct filling of the documents for the payment of the duty is even more difficult than accounting for it

To simplify the procedure for working with payment orders, banks often offer clients the opportunity to use the Client-Bank system. This module is installed on the accountant's workplace and allows you to control, generate, decrypt and encrypt data, exchange data with the bank and put an electronic signature through telecommunications

Competent investment in securities allows you to get a very good profit, amounting to tens of percent per annum. But for successful work, you need to understand which securities are worth investing in and how to do it. There are many types of securities, but the most famous type of investment is investing in corporate shares

A currency swap is two transactions in a currency, one of which is a buy and the other a sell, but not necessarily in this sequence. The dates of execution of both parts of the transactions are different, but the amount of currency for which the transaction is performed remains unchanged within the swap

By definition, a state duty is a special fee that is collected from citizens of the Russian Federation when they apply to state authorities for a certain type of service. The amount of such a one-time payment is calculated differently in different organizations

According to Article 13 of the Tax Code of the Russian Federation, the state duty is a federal fee paid by an enterprise when contacting state bodies and when they provide legally significant actions. In accounting, sometimes questions arise about how to correctly post the paid amount of the state duty and on which accounts it is reflected

The tax on income received from the sale of a car is 13% of the transaction amount. At first glance, you just need to divide the price of a car specified in the sales contract by 100 and multiply by 13. But there are several nuances that can significantly reduce this amount, or even completely reduce it to zero

The state duty is a tax to the budget, which is formed when an enterprise performs notarial actions, when applying to the court, when registering and in other situations specified in Article 333.18 of Part 2 of the Tax Code of the Russian Federation

The peculiarities of filling out a single tax declaration in connection with the use of the simplified tax system apply only to taxpayers who have chosen the difference between income and expenses as an object of taxation. For those who have taxed income, the procedure for filling out this document is the same, regardless of the financial result