Investments
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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:
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
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
Last modified: 2025-01-24 12:01
A loan for the purchase of real estate can be taken at any bank. All loans issued are governed by the laws of the Russian Federation, which will be indicated below. Banks' requirements for borrowers are practically the same with slight fluctuations in one direction or another
Last modified: 2025-01-24 12:01
It is almost impossible for a large part of the population to acquire housing on their own. The state has developed a number of programs, or rather targeted housing subsidies, designed to facilitate the purchase of their own housing for some categories of citizens
Last modified: 2025-01-24 12:01
Today, borrowers have the opportunity to take out a mortgage not only for the purchase of an apartment, but also to buy a private house on credit. However, in this case it will be more difficult to get the bank's approval, since such lending is associated with increased risks
Last modified: 2025-01-24 12:01
Many married couples are thinking about taking an apartment on a mortgage. However, for this, many banks require an initial payment, which is often more than the amount that customers are willing to pay. From this, the housing issue has not disappeared anywhere, so people are thinking about how to take a mortgage from a bank without a down payment
Last modified: 2025-01-24 12:01
Before buying real estate under the mortgage lending program, a potential borrower should know how he can dispose of an apartment mortgaged to a lender bank in the event of a divorce. Divorce It often happens that spouses who have acquired real estate with a mortgage get divorced
Last modified: 2025-01-24 12:01
The life of most newlyweds begins beautifully and cloudlessly. Joint plans, common goals, the first property that appeared in marriage, a separate apartment … It is she who sometimes becomes the cause of numerous disputes and courts during divorce
Last modified: 2025-01-24 12:01
In the event of a divorce, the joint property is divided equally between the man and the woman. However, disagreements often arise, especially when dividing debt obligations, which include a mortgage. The Family Code of the Russian Federation states that real estate acquired in marriage (including mortgages) acquires the status of jointly acquired property, therefore, in case of divorce, it is divided equally between the former spouses
Last modified: 2025-01-24 12:01
Not every organization acting as a lender provides for early repayment of a loan. Sberbank customers are more fortunate: it allows, if desired, to pay off the entire amount or part of the debt. To carry out the operation, the borrower will need to visit the service office and contact a specialist in lending to the population
Last modified: 2025-01-24 12:01
More and more citizens are using the services of banks to obtain loans. It can be both targeted loans - commodity loans, for the purchase of a car, a mortgage, and inappropriate - cash for any needs. In any case, many people want to save on interest
Last modified: 2025-01-24 12:01
The current legislation allows financial and credit organizations to give the borrower the opportunity to repay loans earlier than the deadline established by the contract. And mortgage as well. The state-backed bank VTB 24 also offers its clients a program of early repayment of mortgage loans
Last modified: 2025-01-24 12:01
If you find it difficult to immediately find the amount you need to buy an apartment, a mortgage loan comes to the rescue. But often the conditions for such a loan can be quite onerous, as a result of which housing eventually becomes prohibitively expensive
Last modified: 2025-01-24 12:01
Due to the fact that at present it is rare for anyone to buy an apartment for the accumulated money, most people turn to mortgage lending for this purpose. To minimize the cost of repaying a mortgage, borrowers, as a rule, want to make early repayment
Last modified: 2025-01-24 12:01
Today it is not necessary to be officially married to obtain a mortgage. Banks willingly provide loans to persons in a civil marriage. According to Russian law, a civil marriage has no legal force. Despite this, the absence of a stamp in the passport for banks is not a reason for refusing a mortgage loan
Last modified: 2025-01-24 12:01
As a general rule, relatives should not pay a loan instead of the deceased in the absence of any connection with the relevant legal relationship. But in the case of accepting the inheritance or a certain share of it, such a duty can be assigned to relatives
Last modified: 2025-01-24 12:01
As a rule, collateral is issued when large amounts are taken out on credit. The presence of collateral increases the approval of banks, since the borrower is most interested in repaying the loan. It is necessary - application form for a loan secured
Last modified: 2025-01-24 12:01
A loan secured by an apartment is quite popular due to its availability. Thus, the bank does not have to look for confirmation of the client's solvency, and the borrower can quickly get funds to buy a home or develop a business. It is necessary A package of documents required by the bank to issue a loan
Last modified: 2025-01-24 12:01
A mortgage is a serious and responsible step for any family. Therefore, the decision on a mortgage loan must be made, carefully weighing all the pros and cons, taking into account all the positive and negative aspects. More and more people are asking this question
Last modified: 2025-01-24 12:01
According to analysts, the demand for mortgage loans is growing, while the interest rate is decreasing. However, not everyone decides to take on such obligations, for the reason that someone wants to save money, someone stretches payments for 50 years, and someone needs a mortgage with the lowest monthly payments
Last modified: 2025-01-24 12:01
A mortgage for the poor is the provision of a mortgage loan, part of the cost of which is paid by the state. The purpose of this mortgage is to improve the living conditions of certain categories of citizens. The mortgage rate for the poor is 18 sq
Last modified: 2025-01-24 12:01
Recently, the state has opened many special programs that are designed to improve the standard of living of people with low incomes. One of these programs is a social mortgage, which can be obtained by a family with a lack of living space and unable to purchase new housing
Last modified: 2025-01-24 12:01
Today there are many different mortgage products to choose from. They differ in rate, term, amount and other lending parameters. It is worth conducting a thorough analysis in order to choose the mortgage that is right for you. It is necessary - passport
Last modified: 2025-01-24 12:01
Today, Russians have the opportunity to purchase real estate with a mortgage, not only in rubles, but also in foreign currency. The most popular are dollars and euros. In what currency to take a mortgage Foreign exchange mortgages attract borrowers with lower interest rates
Last modified: 2025-01-24 12:01
To get a mortgage, you must have funds to pay the down payment, the amount of which must be at least 15% of the cost of the purchased property. But what about families who do not have enough or do not have enough money for the first installment, but only have a certificate for mat capital?