For example, I invested 250 thousand rubles, at 20% per annum for 200 days in one of the banks. Deposits in this bank are insured, so I worry about their money. After 200 days the amount of interest accrued during the entire term of the deposit of 27 397.26 rubles. Of which 958.90 rubles – this tax. Net I had received 26 439.36 rubles. Each bank has in its arsenal, rather vast range of inputs.
As say, for every taste and color. While often this fact is a disservice to the banks. The reason is simple. Most people in our country financially illiterate. They already do not understand the banking instruments, but here they also offer a wide selection.
However, a wide choice – it is a problem not only banks. How many customers away empty-handed from the store, only because they were offered was too wide a choice! For example, a bank where I worked before, there were about 8 types of deposits, of which the workers were only two or three. A similar amount of deposits a greater need for sales. This technique is borrowed from the retail sector, where 20% of products generate 80% revenue. Or in other words, 80% of goods are required to have a good basic selling 20%. Therefore, if you come to study deposits of any bank so keep this in mind. Yet we return to a detailed review of bank deposits. If approach this issue with the anatomical point of view, all the contributions have a skeleton.
The president of Panama, Ricardo Martinelli has signed a bill to reform the Tax Code of Panama. Under this will be a number of measures to reduce the tax burden on companies that provided stability fiscal and simplified system of taxes and fees. In order to improve the competitiveness of Panama to the world market, the bill provides for the reduction of corporate tax rate from 30% to 25%, although the time frame in that happens is a decline, yet to be determined. However, the bill sets higher licensing fees for the banks who are residents of Panama. The size of this collection will vary from 75.000 U.S. dollars for banks, total assets exceeding $ 1 million, and will make $ 1 million for banks with assets whose value exceeds U.S. $ 2 billion.
The bill also changes the rate of sales tax from 5% to 7% and establishes a sales tax on landlines and mobile phones with prepaid. Under the bill bistros and restaurants, do not sell alcoholic beverages will be exempt from the obligation to pay sales tax. Goods for children will also be exempt from tax. In addition, for companies operating in the agricultural sector, the limit of tax exemption will be increased from 150.000 U.S. dollars to 250,000 dollars, and they will not need to lodge an income tax. In general, the bill modernizes the tax code and abolishes more than 30 taxes. Tax Code will also contain provisions to establish an administrative court which will hear complaints on tax matters. Provisions of the bill will take effect July 1, 2010.
However, most bankers are confident that their customers are demanded in the labor market, so the search for a new job will not take long. In some cases, lenders are willing to reduce the monthly payment or even to provide the borrower “vacation credit”. This issue is discussed by a credit committee, and if the borrower’s recognized as a valid argument, then for a period of up to 3 months can be installed on the postponement of principal repayment. Solve problems with the bank for more serious situations (eg, disability or sudden appearance of the rightful owners is not enough “Pure” are legally apartments) designed to mortgage insurance – in this case for what you have with the bank will pay the company-insurer. Prepayment Each borrower is trying as quickly as possible to pay debt, but it deprives the creditor rather substantial part of income – because he expects a few years or months to receive interest from the borrower. For this reason, most banks there is a moratorium on the early redemption (1-12 months) and fines (up to 5% of the payment).
Mortgage programs are provided, and limitations on the size of the extraordinary benefits – mainly from $ 500. Despite the restrictions and fines are a significant portion of loans returned ahead of schedule – a factor triggered the black wages: on Prepayment may be made unsubstantiated earnings that are not included in the calculation of the loan period. Change rates because the rate of loan is fixed in the contract from its larger borrowers in most cases the insured.
Germany, a highly developed country with high levels of social protection. German law does not limit the matters to purchase real estate. Make it possible for any person. If you wish to acquire ownership of the house, agreement is signed, it contains information about the property, price and expiration date. The buyer pays a deposit for the property.
Procedure. Notary opens a bank account, just checking a property for collateral. After signature, you become the owner of the property. The notary sends the documents and you will receive a certificate of registration books. All property is registered in the registry Grundbuch, which contains information about the owner, the cost debt, if there is one. Get a loan rather difficult.
For positive solutions need a credit history, visa, contract with a German company, etc. Banks lend to an amount that does not exceed 60% of the cost Real Estate. Costs. Property tax – 3,5%. Notary fees – 1-1,5% of the cost. The cost of the content depends on its type, the area is different from the territorial unit. Price of utilities differs depending on the companies. About: Electricity – 0,15 eur / kWh. Heating – 0,06 eur / kWh. Water – 2,73 eur / kub.g. Regional collection, 1,50-2,00 Euro / kv.g. If you pass out, then all expenses will be paid by the tenant. Spanish Parliament adopted the Law on Taxation has established a reduced rate of tax on the sale of real estate at a rate of 18%. This resulted in an increase in the number of buyers who are interested in real estate investing. During 2007 the growth rates of real estate is 10 -%. In 2008, the price of newly reduced. Spain's mild climate provides the demand for real estate. Real estate is in demand at tenants can rent, so to compensate for the costs of the property. The southern coast of Spain, is considered worthy of the ideal place for living and recreation. More than 320 days a year here the sun shines in winter, mild weather prevails. In addition, the Costa del Sol has great beaches, which are available all year round. Marbella – one of the most expensive resorts in Spain Along the waterfront stretch clean beaches with brilliant sand. The city is located sports port Puerto Banus. The procedure for buying real estate is one of the easiest in Europe. On the basis of desire, nie issued identification number issued by the police. Paid a deposit, this amount may be in the range of 3000. Accordingly, the contract for your property remains on the expiry of the contract. Documents signed by a notary public – a contract of sale. The final phase – registration in the Registry Property (Registro de Propiedad).