Investments
Last modified: 2025-01-24 12:01
Registration is one of the main conditions for banks when applying for a loan. Capital banks are especially strict about this issue. However, the trend of the post-crisis period is the easing of requirements for the client in exchange for an increased interest rate
Last modified: 2025-01-24 12:01
The problem of collecting alimony is currently the most urgent in the field of family law. According to the law, parents are obliged to support their minor children, regardless of the size of their income. In practice, not every parent transfers the due payments in full, or does not pay at all
Last modified: 2025-01-24 12:01
When buying an apartment on a mortgage, one should not forget that after completing payments on obligations, you must go through the procedure for removing encumbrances on a mortgage, otherwise you will not be able to have full property rights to your property
Last modified: 2025-01-24 12:01
One of the directions of maternity capital funds is the improvement of housing conditions. The money of the certificate can be used to pay the mortgage or for the initial payment. But an apartment bought on a motherboard is considered encumbered until all obligations to the bank are fulfilled
Last modified: 2025-01-24 12:01
If one of your friends, acquaintances or coworkers asks you to act as a guarantor for a loan agreement, take your decision with full responsibility. Sometimes a rash consent can lead to extremely undesirable consequences for you, up to the loss of certain property
Last modified: 2025-01-24 12:01
St. Petersburg can be called not only a cultural, but also a significant financial center. There are many banks operating in this city, providing financing to both individuals and legal entities. Instructions Step 1 Find a list of banks that have branches or main branches in St
Last modified: 2025-01-24 12:01
The mortgage lending market today is replete with a variety of banking programs, which makes it difficult to choose the most optimal one. It is possible to find a profitable mortgage only with the given parameters of the initial payment, the amount and terms of the loan
Last modified: 2025-01-24 12:01
Loans have become part of the life of every person. They are issued by all banks and at different interest rates. It would seem that it could be easier than calculating the interest on the loan. But with the same interest rate and the same loan amount, you can pay a different amount
Last modified: 2025-01-24 12:01
Each expectant mother is entitled to generic money. These include maternity benefits as well as a lump sum for the birth of a child. The allowance is provided on the basis of a sick leave, which is written out in the antenatal clinic at the place of observation of the pregnant woman
Last modified: 2025-01-24 12:01
During an economic crisis, money must either be spent or invested. Otherwise, the amount of your capital, under the influence of inflation, will decrease. For investments, it is better to choose an instrument that will allow you to get more profit than a bank deposit, and in terms of reliability it will not be worse
Last modified: 2025-01-24 12:01
Mortgage is taking out a loan secured by the purchased real estate. Once in a lifetime, you can return 13% (income tax) of the value of the purchased residential house or apartment, and if the property was purchased using a mortgage, you can return 13% from the interest paid to the bank for using credit funds
Last modified: 2025-01-24 12:01
Social mortgage is a special government project, the purpose of which is to help socially disadvantaged groups acquire their own homes. It involves subsidizing the interest rate or part of the cost of housing, or the possibility of buying an apartment on preferential terms
Last modified: 2025-01-24 12:01
Not everyone has the opportunity to purchase housing for cash. Most citizens rent apartments or take out a loan to buy them. The problem is especially acute in young families, where people do not have enough funds. Instructions Step 1 In order to get a mortgage, contact a bank that provides home loans secured by real estate
Last modified: 2025-01-24 12:01
Quite often, young people take out a loan. A youth housing loan can be provided to young families and single young citizens for up to 30 years. However, there are several conditions that affect the granting of a loan. Instructions Step 1 A young family or a single citizen must be no older than 35 years old
Last modified: 2025-01-24 12:01
In the current economic situation in Russia, it is very difficult for young married couples to acquire their own real estate. Often, even the most modest one-room apartment for young families becomes an unaffordable luxury. Affordable Housing for Young Family Program The state program "
Last modified: 2025-01-24 12:01
In the course of their activities, enterprises are faced with a situation when counterparties or buyers refuse for any reason to pay for the goods supplied or services rendered. As a result, accounts receivable are formed that underestimate the amount of free working capital of the company
Last modified: 2025-01-24 12:01
The balance is the difference between income and expense for a selected time interval. In accounting, this is the difference between a debit and a credit on a selected account and for a certain period of time. Instructions Step 1 To calculate this value, for example, by cash receipts, you need to add up all the funds received for a certain time interval and the expenditure of these funds for the same period
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-06-01 06:06
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%
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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?
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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"