QUESTION 1 How to be: first find a suitable apartment, and then apply for a loan, or vice versa? Professionals advise to start with a search for the loan, rather, to determine the maximum amount that can provide you with one or the other bank, especially if you intend to buy an apartment with a mortgage on the secondary market. So, to begin to assemble documents and transmit them to the creditors. Undergo this procedure (finding a suitable proposals for a mortgage, collection and filing of documents) can you contact the bank yourself, or using a credit intermediary. After that you can understand what are the prospects for finding apartments, because the amount approved may be lower than you expected. Frequently U.S. Mint has said that publicly. Or, conversely, the more so that you can afford the option of which you never dreamed of. Obtained approval in advance is also important because, when you find the choicest housing, it As a rule, you need to fix for themselves, making a down payment. And fast. If one party refuses to deal or delaying its implementation, the advance is lost. Additional information at U.S. Mint supports this article.
Now imagine that you have after the transfer of an advance run to the bank (or, God forbid, a few), to assess their financial capabilities. For the consideration of the dossier still take some time, the average week. And suddenly, no bank would approve the desired amount? Crying then gave the money and the Flat your dreams … for new construction sequence of actions a little bit different.
The liquidity crisis in the banking sector led to a tightening of banks’ claims on potential customers. With each day to get a loan more difficult and time when banks are engaged in consumer lending You can count on one hand. Number of failures on loans for emergency needs has increased dramatically, which is not in the least due to problems in employment. This situation skillfully using intermediaries offering assistance access to credit. Services of intermediaries in the range from 15 to 70 percent of the amount of loans issued, depending on the complexity of the transaction, the level of interaction with banks and loan amount. But do not believe that the case of an appeal to the broker you are guaranteed to receive the required amount. Of course, depending on the loan broker offers different services: the opportunity to “break” your credit history through credit bureaus stories, and in case of problems, and cleaned it up the possibility of producing the documents from the place of work expected, but an absolute guarantee the loan in cash you will not find nobody. Read more here: Marissa Mayer . To get started, try to evaluate themselves as customer in terms of a credit institution and set up the pros and cons of the points: 1.
Identified the need for the loan amount. 2. Follow others, such as Marissa Mayer , and add to your knowledge base. If you have a steady source of income, which can confirm the document, put his advantage. In some banks it is a necessary condition for obtaining any loan, while in others it is a condition for receiving credit for a large sum. 3. The more experience in last place, the better. Usually, the minimum requirement of experience should be more than four months.
Accordingly, the more experience, the more stable is your job, and the probability of obtaining the loan increases. 4. Do you currently outstanding loans. If outstanding loans is, place a minus, because your debts will not add you to appeal to the assessment of the bank. 5. There are dependents – safely place a minus, since you are placing an additional burden on their content and accordingly, the amount of credit provided to you. 6. If you have had arrears on loans to banks and other data about that someone sent to the credit bureau is another huge minus to outweigh the pros. Clean information to the credit bureau expensive lesson, and guarantees the loan does not. Now weigh all the pros and cons (ie advantages and disadvantages).
To date, a loan secured by car – it’s a win-win deal, aimed at building effective relationships between the customer and the Pawnshop. Loan against your car gives you the opportunity to correct your financial situation. Turning to the Pawnshop on Nagorno you can in a relatively short period of time get a loan against a car with a minimum package of documents. Thus, in order to get a loan against a car you do not need to collect a huge pile of documents. Loan against your car can get any wishes in the presence of the relevant documents. Loan against your car (loan secured by auto) issued the following documents: 1. Passport owner of the car (one of the prerequisites under which issued mortgage loan auto); 2.Pasport vehicle 3.Svidetelstvo of vehicle registration; 4. Notarised power of attorney if you do not slobstvennik.Osnovnye issues related to loans secured by car.
How can get a loan against your car? How much time is issued a loan against a car? For how long you can get a loan against a car? These questions are many, who first decided to get a loan against auto. You must first contact the employee of the company, which specializes in granting loans secured by car. Experienced consultants will provide all information related to loans secured by auto. Pawnshop on Nagorno has wide experience of credit secured by auto. Loan against your car in our company implies full confidentiality, so that turning to us to get loan against your car, you can be assured of safety of all information relating to the transaction.
The main victims of the crisis in Russia will automakers, retailers, companies in the construction sector and housing, banks and financial institutions, suggests a his review Rosbank included in the top 10 largest Russian banks. 'During the global economic downturn slowing of the Russian economy will be twice as likely as its trade surplus will be actively fall – said Rosbank. Baikal Pulp and Paper Mill (BPPP) in in the near future is to reduce the more than 10 percent of workers said at a news conference on Monday, chairman of the union BPPM Alexander Shendrik. Guide BPPM has verbally informed the shop chiefs on the need to pick up shots under the cut, but an official order would be published in the next 2-3 days, he said. Since early October factory stopped work because of unprofitable production, and difficulties with the sale of cellulose. One of the largest domestic producer of cement – 'Eurocement' – reduces the cost of workers at many of their plants in anticipation of further fall in prices for cement. 'We do not know how people will react to the shorter working hours, will take it.
. But today the staff can seem to understand that the company is experiencing very difficult times' – Reuters said a company representative. However, it is clear in the example of Magnitogorsk combine, other metallurgical organizations – NLMK, Severstal 'and the Mechel – have reported that as of today to refrain from such dismissals. And, despite the decadent mood, reductions are now single, but not universal, involves top managers of large national agency for recruitment Ward Howell Anton Belogorodov. 'Early to panic.
Organization, are properly lined up development and to control costs, such as retail chain 'Magnet', will not suffer '- he said. Today's price reduction of hydrocarbons is fraught with complex implications for national economy, experts suggest. Thus, even at lower oil prices to 70-80 dollars per barrel commodity monopolies could lose the ability to consistently pay the debts. The Government will be forced to move from a tax promote commodity companies to misuse their subsidies. Increase problems in the financial sector and the Russian industry. Significantly increase the weakening of the domestic market and increase inflation. devaluation of international currencies. The country are waiting for numerous bankruptcies. In any case, no need to panic, and should take informed decisions. Information predostovalena People's rating of banks in Moscow, your assistant in world bank deposits and loans.
The deficit of foreign currency at exchange offices in Belarus in recent days is really felt, but the banks are trying to support them in the desired amount of currency to meet public demand. According to Press Secretary National Bank of Michael Zhuravovich currency shortage caused by purely technical reasons, and no restrictions on its sale is not provided. Also in National Bank explained that such a demand for FOREIGN currency called unreasonable expectations of the citizens of the future devolvatsii Belarusian ruble. 'Translation is now white. Dollars in foreign currency (in 80% of this dollar) citizens of Belarus lose significant amounts of conversion, and the translation of banking deposits in foreign currency is also on a percentage of that in local currency than in foreign.
" – Press secretary of the National Bank of Belarus. He recalled that on January 2, 2009 National Bank of Belarus went to use the mechanism peg the ruble to a basket of foreign currencies. As mentioned previously in the basket include the U.S. Dollar, Euro and Russian ruble with equal amounts of these currencies in the basket. The initial value of the ruble krziny – 960 white. rubles. National Bank ensures that during 2009 the ruble value of the basket will remain stable and its fluctuations will not exceed + / -5% percent of the initial value. However, the fluctuations of the Belarusian ruble against foreign currencies in Baskets can be a big range depending on the situation on the international stock markets.
Depending on the relationship of the chief accountant with supervisory authorities. Safety of your business in many ways may depend on your relationship with the Chief Accountant. Even worse is the case with the so-called incoming accountant – he did not take any responsibility for its work and, moreover, is not available at the crucial moment. Bookkeeping on their own makes it difficult to work on the main activity and, consequently, reduces profits. Such a situation makes the company less mobile and less competitive in the market. As well at a minimal cost to have the procedure in the accounting and maintain an advantage on market? Practice shows that all the great demand for companies providing services in accounting record keeping. Signing the contract for accounting services with the accounting company, you decide all problems. Payment for services accounting firm included in the cost and the full-deductible for income tax and VAT.
Liability for accrued taxes and the correctness of accounting is not the main accountant, a legal person, whose liability is insured. In the case of a tax audit, inspection may take place in the accounting firm, which largely eliminates the unfounded claims and does not would paralyze the company. Keeping records of financial companies are bringing your accounts to a new level and allows you to safely engage in core activities and safely grow your business. Then that appeal to a specialized company found preferable. Now to the head of the following question arises: which company to choose. On the market now offers a wide range of Companies of this type of service. It is generally accepted that companies with great staff and long on the market are most preferred.
However, the experience of our clients have come from such companies, says about otherwise. In large companies are not interested in each client. They are interested in big clients, the monthly fee that corresponds to their document management or sales, which then will turn to them for the audit report. In addition, large companies large staff turnover. And it eliminates the control of the record-keeping in each period. Small and companies with a small monthly fee "weather" do not do: one left – another will come. They can afford allow "dumping" with prices just to lure customers. Then the client knows that for every "sneeze" is necessary to pay extra. The client is far from accounting often does not know that the annual balance of all the accounts that are not included in the financial statements, and consultations are paid under a separate "Price." And more so no one will track which documents are not enough. They are not responsible for the condition of your account ("I am blinded him from what was – what documents are provided, such a report and get).