Posts Tagged ‘finance’

Mortgage Calculator

Mortgage calculator is an excellent tool that you can always use when buying a property or car. Everyone knows that buying property is the most expensive and capital-intensive embedding, which sometimes can not do without a bank loan, taking into account this fact we can confidently say that the mortgage calculator is ideal for calculating the loan to purchase real estate. Mortgage Calculator also helps you to compare and evaluate different options of credit offered by banks or companies. The principle of the calculator. Mortgage calculator will provide you with a wide variety of information. For a start, You need to enter information about your loan, including terms of the potential loan, interest rate and loan amount. It should be remembered that many mortgage calculators are not asked to enter the amount of your salary or other additional sources of income.

First, the calculator will tell you a monthly amount of the loan, as well as the total amount you pay in total loan time. Further, the calculator will show you the amount interest rates, as well as the total amount of tax deductions, deductions for insurance and the maturity date kredita.Mnogie calculators can also provide pictorial information in the form of graphs and tables. Other advantage of using mortgage calculators is to analyze the comparison of several types of loans. In fact, you can easily use the mortgage calculator to compare different loans have offered different companies or banks. Mortgage calculators do not require payment for use, although some companies place on their websites calculators require payment. It is not necessary to pay for such information as working principle of a calculator on the Internet, there are many websites offering this service free of charge and better quality.

Required Software

Car loan repayment for early maturityare arranged as follows. Starting In the second month after the loan, payments are made monthly, in equal amounts (at the time of the loan the bank will send the borrower notice in the mail with the schedule of loan repayment by month) – possibly cash or cashless repayments, early repayment. How to take advantage of getting car loan? Step 1. Consult in the showroom: what banks in this showroom offer auto loans. Choose Credit program; Step 2. Select a car in any car show-partner bank (namely someone whose credit program you like) and to determine the cost of additional works on pre-sale preparation of the car; Step 3. Make a Motor invoice for you to choose a car and make a copy of its Title, certified by a stamp dealership; important! If the loan amount exceeds 1 million rubles to provide a set of documents of the Guarantor (Corresponds to a set of documents of the Borrower). Based on information received, the bank will make the final calculation of the loan amount and make a decision: to grant or deny credit to the Borrower. If you made a positive solution – see Step 4.

Step 4. Pay advance auto show – at least 20% of the final cost of the car. Step 5. Register your car in the traffic police to establish an insurance policy on him. Step 6.

Together with the employee Dealer submit to the bank original Title and an insurance policy for your car, and then sign the acceptance certificate of transfer and get a new car! Frequently Asked Questions (FAQ) about Car Loan 1. What is the interest rate on car loans? For the new Car: – term loans of up to 1 year – 13% U.S. Dollars, 11% – U.S. – loan term from 1 year to 3.5 years (or up to 5 years for special programs) – 14-15% Dollars, 12% – dollars. For a used car: – the credit period to 1 year – 17% U.S. Dollars, 12% – U.S. – Crediting period from 1 year to 3.5 years (or up to 5 years for special programs) – 18% U.S. Dollars, 13% – dollars. 2. What could be providing car loan? Required Software – secured car, optional (for large amounts credit): third-party guarantee, a pledge of other property. 3. How does the debt? Repayment is in monthly installments (the share of debt + interest on the loan), the moratorium on prepayment – 6 months. 4. Can I get a car loan motorcycle? If you want to buy ‘cool’ bike (which is sometimes worth more than some of the models ‘Lada’) – the banks will help to solve this problem. Credit for the purchase of motorcycles available on up to 3 years, the interest rate – from 15% per annum in rubles. Bon voyage, be careful on the roads!

Understanding Pensions

The still believed some time ago as secure pensions in recent years have lost more and more security. There are too few children born that could take the pension benefits of the next generations. There are thus more and more old people, these are off only a small class of young people. The good concept of the generational contract seems his task is no longer grown. flee for fear of financial ruin for the elderly and the low amount of state pension, many people are now in a private insurance To the trend of scaremongering about the love of money counter, the Federal Government has decided five years ago (2002), the Riester pension.

The concept of retirement is based on the fact that workers pay an amount of their income into a private pension scheme. This monthly amount will depend on the amount, funded by payments of the state .. Therefore, experts recommend to raise the highest possible amount for the Riester pension, as it grants the government increased. You will be assisted by the State to reserve for the age.The Riester pension runs on a completely voluntary basis, no one needs to participate in these private pension system. Because private provision is becoming more and more importance to preserve the Riester pension as state support before the ruin of the elderly and guarantee a secure retirement. It must be noted, however, that one enters into a binding contract and should be aware of his actions very closely. to keep the own financial budget in mind is, is of utmost importance. However, it is highly recommended even now make even thought about the financial future, so as not to live in later life of loans.

What Is To Be An Accountant In Tula ?

Formerly an accountant took only unpromising young ladies with specialized secondary education. In general, a profession in Soviet times was not considered too prestigious, and very promising. However, Times have changed and after the transition to a capitalist market model in the early 1990's, it turned out that literacy specialists in design of financial records is fairly small, and the number of firms grew like an avalanche. Soon the labor market was clearly visible shortage of staff able to deal with finances at all levels: from ordinary accountants, to the various auditors and experts of relevant departments. Circumstances developed so that the accountant in Tula, moving from the state organization could receive for the same work in the commercial division of wages is even five times higher. This very fact has prompted many people in one way or otherwise associated with work in finance, go for retraining courses, and to study accounting. After this limit the job market, the accounting profession has become much more prestigious, popular, and most importantly – the beginning of adequately paid. However, to this day the need for an accountant in any enterprise is great and a good accountant can easily find a job with normal working conditions and pay.

Car Lease Contract

lease the first person gives the second vehicle for a fee at the time. If the term is not defined in the contract, then the contract is indefinite. If the contractor notified no later than one month, then the tenant and the landlord the right to refuse obligations. In the list of recognized under the simplified system costs pp. 4 in 1 tbsp. 346.16 Tax Code specified rental payments. Thus, the amount paid under the lease contract, reduces the tax base.

Fee rent is determined by the parties and not standardized. But tax authorities have the right to verify pricing. Using avtotranspotrnymi means employees, the company has the right, except for rent, deduct maintenance costs Vehicles (fuel, oil, etc.) according to Secs. 12 n. 1, Art. 346.16 Tax Code. To account for the need to issue waybills. Maybe fill them every day, but, for example, once a month or a week, reflecting each trip.

Incidentally, the Finance Ministry admits that the company used its own forms if they have the necessary requisites. Spending on car rental organization based on the basis shall be entitled to include in the expenses for tax purposes if These costs are documented and economically justified. In this case, the documents confirming the expenditure for the purposes of calculating income tax in accordance with Sec. 1925 Tax Code, are as follows: The lease vehicles; Act round-trip avtotranspotrnogo means; act works performed, services rendered; Trip Sheet. At pow. Registered tenant costs which are associated with the current leasehold avtotranspotrnogo funds are accounted for Depending on where the used the rented object. Under the Plan of Accounts for the firm can use the following account of cost accounting: 20, 23, 25, 26, 29, 44. For tax purposes, these costs are taken into account in full volume and other expenses in the period in which they were implemented. But only if these costs are covered by the landlord under the lease. vat taxpayers recognized the organization and individual entrepreneurs. Nat. Persons who are not entrepreneurs, respectively, are not subject to vat. In addition, services to provide rental vehicles, provided by an individual, not is an entrepreneur, the vat will not be taxed. Therefore, include the amount of value added tax in the amount of rent the company should not be. Payers of income tax nat. Entities are physical. Persons who are tax resident in Russia, as well as physical. Individuals who receive income from sources in Russia, and are not tax residents of Russia. Hence, the income derived from rental or other use of property located at Russia, will apply to income derived from sources in Russia. Thus, the income nat. Person received from the rental of vehicles, subject to income tax under the conditions provided for in Sec. 23 nc Russian Federation. It turns out that you have to remember that schislyaet and keeps the tax firm serving the tax agent. If a company applies usn, awarded nat. face lease a car without a crew, then the rent charge vehicle owners insurance premiums charged should not. If a lease car with the crew concluded with the entrepreneur and his certificate of registration is not specified property letting, the tax on Income nat. Person is held with the employer.