Yalnizca

The World and Modern Science

  • Bank NDFL

    Filed under News
    Oct 2

    This may be a reference 2NDFL, help shape the bank statement for a salary account from a bank, an oral confirmation of the head. With priority placed exactly in the order listed. Banks are wary enough of the oral confirmation of income, and not everyone takes such a form of confirmation. Rob Daley often expresses his thoughts on the topic. The most widespread acknowledgment that take almost all banks – this information plus information on 2NDFL form the bank. And the second does not negate the first.

    2NDFL shall in any case. Even if it passes on the amount of much less than real wages. Such returns are accepted for review in full. See Rob Daley for more details and insights. I want to draw your attention that if you work in shifts, a number of banks if they take into account income from such activity, applies the reduction factor. This applies to seafarers. The newspapers mentioned Goop not as a source, but as a related topic. Income from part-time. This is income from activities in which you are engaged in addition to his main work, ie "Part". But in this case, the bank will documentary evidence of your activities.

    Ie must provide an employment contract or in the workbook must be a record of what you are made to this organization in combination. Of course, it is necessary provide proof of your income. And that, as mentioned above, a certificate 2NDFL and any further evidence (if the actual wage differs from the official). But there is one caveat. Income from banks often take part-time is not full, but with a definite reduction factor. For example, your income is 20 000 rubles per month, and the correction factor in the bank equal to 0.8.

    Tagged as: ,
  • Jul 17

    Prerequisite for obtaining a bank loan is a business plan. Business – Plan helps guide the company to evaluate current affairs, control and direct the production and commercial operations, to anticipate the future. In addition, he must and can be used to attract partners (including Western) for joint ventures, joint projects or funding enterprises in one form or another. Small business plans for the loan differs from the business plan for an investor in several aspects: the business plan for a loan must show the need for enterprise funding at some point on a specified date; should prove advantageous for Enterprise use of borrowed working capital, business plan for a loan is aimed at, to show the bank or another lender a high level of solvency, which means – an opportunity to repay the loan and interest for its use. Banks generally will not be interested in details of the business plan, have no direct relation to the solvency and liquidity of the enterprise. His interest in the first place, the existence of an enterprise of serious collateral or guarantor. If this condition is satisfied, the next question bank will be about accumulated enterprise accounts, and especially accounts receivable. The bank will be interesting, to whom and how much should the company if there is overdue.

    The process of obtaining a bank loan – a procedure quite lengthy and requires the preparation of a package of documents is time consuming and strong nerves. All this time, the bank requires one document after another, the requirements for the necessary documents may be changed even during processing the transaction. First we have to deal only with the loan officer, then the chief of the credit department, and if the bank considers a loan to a large category, so with the guidance of a bank branch. Amount issued Bank loan is usually no more than 40-50% of the value of the collateral, which is determined by peer review. Promotional credit conditions are usually very different from reality. It often happens that in the process of obtaining credit bank ‘offers’ company to pay some more fees and additional fees for obtaining a bank loan. Neafishiruemye bank fees for the loan could amount to 5-10% of the loan amount, usually a it appears already at the design documents for the loan.

    Another bad point is that the bank usually requires the opening of current accounts at home. A bank may not agree with the results provided by the expert evaluation, and most often – ‘softly’ ask the company to apply to the recommended his own expert appraiser, the cost of services which are usually in 1,5-3 times higher than the market average. In addition to the costs of peer review will incurring costs and insurance transactions, which is required by the bank. For the insurance transaction is also true with respect to the above expert appraiser. Analysis of world practice shows that potential partners and investors with great attention to the study include a business plan for the desire to have a clear idea of the proposed production, its scale and market potential, how to promote a product on the market, future profits. In addition to production and financial sides of an issue they need to make sure that the potential partner has the necessary human and material resource that will enable a profitable business.

  • Jun 7

    The Russian real estate market is one of the youngest and fastest growing in the world. In the early days of its formation, in the early 1990s, when first entered into force regulations, have solved the housing privatization, He was a virtually unregulated field of brokers. Today, after more than 10 years, the housing market has qualitatively changed Russia, having risen from the open hostility and competition between its black parties to create legal forms of organization of their activities, establishing uniform standards of conduct and code of ethics. Already formed the main features of the legal framework, worked out the main mechanisms government regulation of real estate agencies, realty profession itself has become a multifunctional, demand, increased its status in the labor market and in the public eye. All this – the results concrete steps which bring home the real estate market to becoming a civilized and its professional structure. One of the most important task at this stage, enshrined in the Charter of the Russian Guild of Realtors – the parent organization in this area is to create a single information network of commercial information relating to real estate, investment and construction activities in order to enhance the real estate operations at the interregional and international level, further development multilistingovyh systems (MLS). Under multilistingom (from the English.: Multi – many, list – list) is understood as a system that combines database real estate agencies in a common information space, as well as an organized collection of information about the listings of properties carried out by a group of Realtors, agreed to cooperate in order to to assist participants in the real estate market, as well as expanding their own business opportunities.

    Tagged as: ,
  • Aug 29

    Despite the fact that in many countries today there is a systematic decline in property prices in Bulgaria's prices are still growing in some regions this increase reaches 40%. This is the pillar of a number of reasons. The first of which can be called Bulgaria's accession to the EU, now for the foreign investor, this market is much less risky, the number of buyers and investors are also growing. Pricing policy is sufficiently loyal and prices are relatively low, while the market promises to continue to gain momentum. The main points of the infusion, still remain the capital, regions, which shows the ski and sea resorts.

    Sofia predicting an economic boom. city is growing and expanding. Internal activities it is activated, respectively, that drives up rents for residential and commercial property. In addition, the city also offers good opportunities for the resort business. Ski resorts are also well-deserved success, besides a complete rest possible here, not only in the winter. Epicenters holiday by the sea are probably Bourgas and Varna. Popularity among travelers to these areas provides a good location – close to the international airport, good beaches, excellent service, quite a long holiday season. Almost all of the data objects regions have been constructed over the past twenty years and choice is very wide.

    You can select the apartment without any frills or prefer an apartment in a luxury complex with wonderful views from the windows, pool, fitness and spa in the territory, around the clock orannoy, garage, parking lot, where everything from materials used in construction and for interior decoration, will meet the highest standard. The choice, of course, will depend on what goals and expectations imposed on the acquired object. Property washes to be acquired for the purpose of obtaining rental income, resale, personal use in conjunction with the delivery of leased during the absence of the owner. The most usual scheme of investment – the acquisition of one-bedroom apartment in the prime sector, the cost will be in this case, 80 000 – 100 000 EUR. The cost of rent, depending on the season to average 40-60 EUR. Potential annual revenue – up to 10% of project cost.

    Tagged as: ,
  • Insurance Company

    Filed under News
    Jan 21

    And in each IC will convince you that their policy is the best, with pink mother of pearl, even thus, disorienting you. Exactly therefore, the insurance market there are insurance brokers who are professionals in the insurance industry to a greater extent than the professionals of any single insurance company. Do not forget about the fact that each insurance of unique insurance products, not like the product of another company? Insurance broker needs to know them all for what would be your competent representative, and you could not chasing low-cost insurance, be insured in the company – bankrupt. What would the global economic crisis, you could get a guaranteed payout when the insurance event. All of these issues in full measure – in competence of an insurance broker who is not an intermediary between the insurance company and the client-insured, as is commonly believed, a qualified representative of the client's personal insurance market, which protects interests of the insured on all insurance period. How to figure the flow of information and do not throw good money after bad? But this also happens in the insurance – which really is no secret.

    Let's start to pay special attention to how characters are written rules insurance companies, the ones that are an integral part of the policy. It's awkward to read, is not it? Too small and not attractive. Practice shows that people do not read. And then, after an accident are very disappointed when the UK refused to pay them under the same Rules, which, for example, says that the UK does not pay in violation of the SDA. At the same rules can be hidden and the franchise and aggregate insurance amount, and payment of the cost of parts only, without payment of repairs, and parking at night only to secure parking, etc. How do you get a refund from the insurance company in case of theft if, for example, came to visit and left the car under the window? Denial! Specialists of the insurance companies often do not focus attention on the client such trifles.

    Tagged as: ,
  • House Transaction

    Filed under News
    Dec 26

    Therefore, in this block is entirely your decision whether you will save their time and money to pay for it or are you willing to spend the time to solve this issue, but an economic advantage. Day of the transaction. That brings us to the key stage of our process – the day of the transaction. Of course, you, like many others are afraid of this day, and it seems you are very emotionally difficult. I also went through it and fully understand your feelings.

    Let me tell you about what you would expect in this day. I know that it can seem strange, but at this stage assist the realtor you are absolutely unnecessary. Here's why. If the date of the transaction you will understand that and in what order is what pitfalls await you what documents you will sign and in what order, what they should be and what should not be there, you absolutely can safely do without the services of a realtor and do it better and better, than with him. Why? Because Once you know which documents you are ready to sign, on what conditions are willing to accept in order to feel comfortable while still solve your housing problem. A sense of comfort in such an important day is important. Often a professional will you persuade, persuade, and to insist on his point of view.

    Sometimes you will try to manipulate, just to quickly finish the process, leaving a number of issues in Russian maybe. Of course, this may cause you some level of discomfort. If you are on a transaction without a realtor, then you count only on themselves and are moving at a pace that is comfortable for you. Remember – he who pays the piper calls the tune. You – buyer and absolutely can safely set the pace of the processes, which is comfortable for you. Do not succumb to provocation and manipulation. Make this day comfortable for you. If you possess the necessary of knowledge and know the procedure itself, if you understand that in what sequence should occur, you calmly, thoroughly and deliberately dismantled all of these points yourself. Register of transaction (if applicable). At this stage you need to get to Companies House and pass a standard set of documents in the receive window. This step is simple in content, but complex in execution. This is due to the same problems we have discussed in the section devoted to the collection of documents for the transaction. If you are able to "break" to the window – do it yourself. transmission facility and the completion of the transaction. All documents for this stage you should be physically prepared on the day of the transaction. If so, what part you do not need a realtor. The essence of this stage is that you need to get registered in the registration documents of the House. It is usually made much easier than submit documents for registration. You will then meet with the Seller's apartment, check that it did not happen at the time of registration, and sign an act of reception and transmission flat. Climax. To loud applause you pass the keys to the apartment. Only after that your transaction is completed fully. That is, in fact, we covered the basic large blocks, which you are going to solve your housing question. As you can see, quite a lot of issues we can solve by themselves, and save a decent amount of money. What would I sincerely wish you.

    Tagged as: ,