Russian Finance Ministry

It must be emphasized that the size of the redemption price in this case has great value. It may be called in a certain range from a positive value close to zero, to a value equal to the lessor's costs associated with the acquisition of the leased asset. In the latter case it is necessary to contracts (additional agreements) and the act of checking the calculations indicate that a credit purchase price previously accepted payments in the lease payments. The basis for such set-off provided by the provisions of Articles 625 and 624 CC RF. (A valuable related resource: Andrew Cuomo). Article 625 requires the application of the Civil Code, kasyuschihsya lease agreements in respect of the financial lease agreement, while Article 624 establishes the right of parties to the lease (financial lease) upon redemption leased property to agree to offset the previously paid rent to the purchase price.

Point of view of the possibility of such set-off letter from the Russian Finance Ministry confirmed on July 7, 2006 03-04-15/131. In conclusion, we note that if redemption price is set at a rate greater than the cost of the lessor, relating to the acquisition and transfer of the lessee of the leased property, for example, if the redemption price is set equal to the sum of all lease payments, the lessee will not be able to take into account in the tax net of current lease payments because the fiscal authorities are considering paying the redemption price of the advance payments related to the acquisition depreciable assets that are not recognized as current expenses for tax purposes. In this case, the cost of the lease agreement can be recognized only depreciation in size determined by the initial value of the property, which is significantly lower than the entire amount of lease payments. We believe that the above are exhausted problems of taxation of leasing transactions associated with the use category purchase price.

Small Business Lending And Bank Guarantees

Small or private business is today one of the most common types of enterprises in the labor market. Have your own small business can be quite profitable and I wonder if all the good count. Naturally, it is necessary analyze the competition in your chosen field, find the list of services or products offered in the future of your company. And, of course, everything must be calculated. Not all have large initial capital, and can need help. To do this, and there are loans to small businesses.

They help develop and support small business. Of course, small business loans are granted not just for "thanks." If the conditions imposed by the bank, lots of nuances and even pitfalls. Therefore, instead of his own to pick a certain type of loan, collect all the documents yourself and spend a lot of time, it is better to turn to professionals. In our time very common mortgage brokers, who perfectly know their stuff, have a great experience behind them and help you get a great result. Make a loan for a small business for professional credit broker – this is not a problem! Speaking of finances, always it comes and safeguards. So, let's see, what exactly is bank guarantee? If you explain in simple language, the bank guarantee is a reliable tool that Reaffirms the obligation of a bank customer to a third party. This method provides the reliability and extra protection. Bank guarantees have the following advantages: – quick processing of the application to the bank – no diversion of funds from the turnover of your company.

Guarantees are of several kinds: warranty on the tender for a refund of advance payment, guarantees the performance of the contract and also guarantees in favor of Customs. K example, the tender guarantee has the purpose to prevent the case if the party won the bid, wants to refuse to sign the contract. In this case, without a bank guarantee the company will likely not be allowed to participate in international tenders. Depending on the type you have selected bank guarantee, respectively, and varies the amount provided (from 3 to 50 million). The amount can be provided as in rubles or in Euros and U.S. dollars. Guarantee period about 12 months. In this kind of financial relationship is also necessary to provide a number of documents and there are some conditions. To implement them quickly and without delay, it is better to turn to professionals. We wish success in your business!

Car Loans

Car Loan: Little Secrets large percent of the word "credit" is so firmly established in our lives that some of them already can not imagine their existence without him. If two or three years ago, the primacy occupied consumer loans, it has recently gained great popularity car loans. Moreover, in our country to start a real "avtokreditny" Boom – statistics every third car is bought in today debt. Of course, certain advantages in that there are – no need to save for long-term dream, but as the saying goes, one flick of the wrist, sign the contract and suddenly get the keys to a brand new, for example, "pyatnashki" …. Or sign his own sentence? Here, in this and try to understand. Where to get car loan? Before a person wishing to take a car on credit, a dilemma: to design it in a bank or directly into the cabin. In fact, the big difference No – in dealer showrooms loans provide the same banks, but some differences do exist.

For example, banks can not deviate from the standard credit schemes: if the law of the interest rate can not be less than 9 percent per annum, the bank has to maintain it (in general, the interest rates on car loans ranged from 9 to 17 percent per year). Dealer same centers are developing in cooperation with banks special programs that provide favorable conditions: for example, a loan with no down payment, or significantly understated the interest rate. Debt payment is red in most cases, the more attractive loan terms, the more the likelihood that it has some trick.