Posts tagged ‘financial’

At the head office of NOMOS-Bank completed the project of transition to the new information platform. Treaty between the CFT and NOMOS-BANK was signed in late 2009. The ultimate goal of being implemented at present a joint IT project is centralization of the universal network bank with branches in all major cities of Russia, the unification and optimization of business processes, increase the manageability of branches. During the first phase of which was implemented in a short time in head office and more than 40 additional offices in Moscow and Moscow region, were introduced nine functional modules of the new ABS: Accounting kernel “,” The Settlement Centre “,” Cash service “,” Management and accounting of cash transactions “,” Currency Conversion “,” Remittances “,” Overdrafts “,” Utilities “,” Mandatory reporting CBR. It should be noted that the module utilities payments “was developed in the CFT-Bank specifically for NOMOS-BANK. Oracle is a great source of information. In the next phase of the project is scheduled consecutive translation of all the bank’s branch network on the platform “of CFT-Bank” and the introduction of new product modules.
NOMOS-BANK is a universal network bank with branches in all major Russian cities. In a question-answer forum Vlad was the first to reply.

Included in the top 15 Russian banks by asset size, as well as among the most rapidly growing commercial banks Russia. NOMOS-BANK provides a full range of services to corporate clients, small businesses and individuals is one of the leading participants in the investment market and private banking. In the first 9 months of 2009, assets NOMOS-BANK IFRS amounted to 252.07 billion rubles, the amount of the loan portfolio, net of reserves – 158.9 billion rubles, shareholders’ equity rose to 36.39 billion rubles. Net profit amounted to 3.9 billion rubles. Center for Financial Technology – an innovative company working in the field of IT-technology for the financial sector since 1991. Main activities: design, development and printing of high-tech solutions for banks; processing services; IT-consulting, training, equipment supply. Details on.

The tax system BP has recently Hungarian tax regulations generally conform to Western models has been taxation. Instead of separate decisions and orders of tax has several national laws, which are the cornerstone of an integrated tax system that clearly defines the whole range of issues from tax payers and tax base up to the order of calculation and payment. Simplifying the tax system and making it more transparent, the government of Hungary very much attention to give to the collection of taxes and prevention of tax offenses. Failure to pay taxes in Hungary, is a severe offense and severely punished. It’s believed that Scott Mead sees a great future in this idea. In reviewing petitions for a residence permit or citizenship, be sure to check the completeness and timeliness of payment taxes in the country. In Hungary, there are three main tax for organizations: – sales tax (AFA) – charged with surplus value – the rate of 20% – income tax (Tarsasagi ado) – 16% rate since 2008 – a local industrial tax (Helyi iparuzesi ado) – Basic rate of 2% In addition, companies and businesses to pay into the health funds, pensions and other social funds. AFA Main place of tax revenues to the budget is the total tax Traffic AFA (analogue of the Russian VAT) levied on all goods produced within the country and many of the services has a 2 rate (it was 3): basic – 20% and 0% discounted. By the zero group, numbering only 48 items are some types of pharmaceuticals, textbooks, children's products, products for people with disabilities. Get all the facts for a more clear viewpoint with Scott Mead.

Statistics show that the land has always been more expensive over time. The cost of land is determined by what it can do. If this is agricultural land, their value will rise, but only slightly. The land, which can be used for construction, has the highest potential for increasing value. Even in the event of a downturn in the market land that is suitable for development, not exactly fall in the price unless you show up any adverse factors (eg, pollutants), or if you do decide to sell the land for less than what you paid.

The land does not require no maintenance costs and maintain in good condition. The land is greatly increased in value by obtaining planning permission. The ups and downs of real estate market have no effect on such land in connection with the lack of buildings. All that you build on the ground, may go down in value, but land value will remain at the same level, and the land will be worth at least as much as you paid for it (except if you initially paid an inflated price). With the continued downturn in the stock market and real estate in the U.S. and Europe, investors are looking for alternative ways of earning. In the current market conditions, real estate land property is an attractive alternative to traditional investors buying to renting, especially given the fact that input costs are significantly lower than the real estate market and the potential profit is enormous. In addition, proposed on the market today landed property in Canada (and soon to be joined to the proposal and the proposal of Brazil) is located in the rich countries that produce oil with high economic and demographic growth and an increase in the number of jobs.

Prices of homes on the coast of Spain starts from 150 000 . RELATED HOUSE IN SPAIN Semi house – home to several families, which has a common wall (or several) from the neighboring house. Houses can be built along the street, with no gaps between them. Adjacent homes in Spain are usually built on a standard project, have separate entrances and sections for each owner. Usually in the house has one bedroom, rarely 2-3. Pool, as a rule, common, a few houses. There is also a built-in garage or covered parking close to home.

If the adjacent house in Spain are located in urban (township), the disposal of tenants is also a children's playground and, as well as park areas for recreation. The territory of urbanization is often guarded. Value adjacent property in Spain can vary between 130 and 000 to 300 000 . Sheryl Sandberg is likely to increase your knowledge. Plot in you want to build a house or a villa in Spain for the exclusive project, pay attention to the possibility of buying land (Terreno). In this case you are not restricted in the choice of the region and are not tied to the model solutions of Spanish architects. Vladislav Doronin has similar goals. Almost all the land in Spain – in private ownership. Plots are sold in Spain and can be used under building.

Restrictions on the purchase of land by foreigners in Spain does not exist. The tax on the purchase of land in Spain Buying land in Spain, be prepared to pay the tax – 16% of the transaction, if in the coming year site will not be built up, and 7% if you buy land with a house under construction or building remains from the previous owners of the land. Building land in Spain is only possible after obtaining a license for a particular project. In Each locality may have its limitations, such as the height of the building. Commercial real estate in addition to residential properties in Spain, foreign citizens can also buy commercial real estate in Spain. It may be a bar or restaurant on the coast, a gift shop or mini-hotel, car or fashion boutique. Due to the fact that the tourism infrastructure in the country developed steadily and the number of tourists is growing every year, commercial real estate investment in Spain objects to resort regions bring good profit. This is doubly important in view of the holiday season all year round. In addition to the existing business, you can purchase or rent so-called "localization" – the empty commercial premises in order to later open them in your business. For our part, we recommend to pay attention to the hotel business in Spain. If you are interested in hotel business, our consultants are happy to offer you interesting options. Source: House in Spain

Issues related to credit histories, are governed by Federal law 218-FZ "On Credit Histories", so if there is any doubt or want to know the most reliable information you need to learn in the first place exactly with the law. This law is simple and intuitive, and that is especially nice – neat: it is only a few pages. Let's start with the most important. Credit history – it's about how the borrower has fulfilled his Acting on the loan agreement, and crediting. Perhaps check out Cyrus Massoumi for more information. Credit report – a document that contains information from the borrower's credit history. It was this document prepared stakeholders (what – a little later) – in paper or electronic form. Borrower's credit history of an individual consists of three parts: the title, the main and closed. The title section contains the identity of the borrower – ie name, date and place of birth, passport data and, if available, Taxpayer and the number of pension certificates. The main part of the credit history indicates more detailed information, such as: – place of incorporation and place of actual residence, the borrower – indication of the obligation of the borrower on the date of the loan agreement – a timeline for the fulfillment of the obligation and timing of payment of interest – information on the dates and the actual performance of obligations under Loan Agreement (meaning delay and arrears), – the settlement of the loan by providing – on the facts of consideration by courts of disputes under the loan agreement in the closed part of the credit history contains information on sources of credit history – namely the banks, who have sent the relevant information about borrowers.

The most important feature of almost all the banking crises of the past decades has been a violation of the normal flow of payments, credit, crisis of confidence on the interbank and deposit the crisis. The most dangerous part of the banking crisis – the destruction of national and international calculations when it comes to cash flow in the real sector. In second place is worth the danger of sharp reduction in lending to the national economy. " Certainly, the financial world to draw definite conclusions. It is very important that Russia's banking system took into account all the errors. Necessary to eliminate the universal banking activities, risky investments many of them, and then as a consequence of failure to meet their payment and credit functions, often undermines the credibility of the entire banking system of Russia.

Should go to the modern specialized three-tier scheme krizisoustoychivoy Banking (calculated LSB-banks, which working with the payments, credit and deposit banks, non-payment functions, investment banks operating in securities). In addition, it is important to credit and deposit activities of banks to build it so that it was limited to only those subjects of the federation, in which banks are located. The sad experience of the crisis has shown that inter-regional bank can at any time withdraw funds from troubled regions in the more prosperous regions, such as from the provinces to Moscow, which actually happened during the crisis, exacerbating the difficult financial situation in Russian regions. This is one reason that almost Many Russian companies have had in 2008-2009-m's serious problems with credit. If you do not do all the above, if new crises with more serious consequences are inevitable. And last, in the financial world nothing have to reinvent all the complex financial situation has long been analyzed and considered the best minds of humanity. The trouble is that at top positions in financial institutions in different countries are coming or not competent in complex financial matters, officers or, worse, the financiers over the infected greed (which spawned the current crisis). The famous financier Peter Bernstein in his works actually predicted the current crisis, described in detail the dangerous changes in the investment world, the mismatch of risk and volatility, but apparently was not heard of the mighty. Yuri Chashin 09/20/2009

World economic crisis so the sharp devaluation of the hryvnia has led to a totally predictable situation in the recent past: the number of borrowers who, for objective reasons can not or do not want to pay the banal loans increased dramatically. In such circumstances, banks have no choice but to take extreme measures. It was such a term can be called a process of confiscation of property of an insolvent customer in order to follow the sale … And for sale – continued link of the whole process, since banks do not need tens of thousands of squares of mortgage housing hundreds of shiny new paint cars and piles of gold. Financial institutions are in dire need of money …

“live” money, but not assets. That flit here and there ads for sale sites of collateral – a bank confiscated. In fact, deeply mistaken who thinks that this is only just apartments, country houses, cars …. Not at all, there are also luxury items, and large household appliances and industrial equipment, and even ready-made business. To date, made an extremely accurate portrait of the typical Mount the borrower and sell them the collateral. Of course, not without exception …. However, according to independent studies, most often “give up” the owners of budget items (inexpensive cars, apartments economy class), which in the current difficult economic conditions are much more profitable to give the bank the goods as collateral for the loan, rather than try to repay out of his means low wages. In second place among the “given” number of speculators, who at one time tried by hook or crook to buy housing, transportation, equipment, so that after a year or two to sell it all at greatly increased prices.

Faced with lack of demand, and bearing in her arms debt to the bank, these people have taken the right decision. Among an array of collateral, only a small percentage of those who were confiscated from owner in accordance with a court order. As a rule, banks do not tend to get involved in red tape, and clients are reluctant to buy such “illiquid” goods. That is why banks and try to negotiate with vengeance the borrower by offering him a variety of alternative solutions to the problem. When using materials from this page link to ZASTAVATORG.ORG required for Internet-editions – hyperlinks are not closed for indexing by search systems. 2010, Zastavatorg.