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Loans from private | Bonds of private persons

If you did not repay the loan by the agreed time, you would have repaid it. If you had not repaid the loan by the agreed date, you would have repaid the loan. As a result, private and installment loans granted by banks and online banks are predominantly medium-term loans. Interest components in purchase price installments or interest on equity loans. Institutional and private investors participate in this study fund with a meaningful and sustainable investment in education.

Non-chargeable loan is to be offset financially

Non-chargeable loan is to be offset financially

The claimant’s request for non-acceptance of the appeal against the judgment of the Federal Tax Court was rejected as unfounded. In principle, the complainant of the defendant and the complainan is fundamentally fundamentally important in principle “whether ….. the fiscal nonconfirmation of the loan contract is the non-recognition of the credit or” whether the fiscal non-confirmation of a loan agreement between Always leads to the fact that the loan undeniably used by the borrower for operational purposes is not to be offset in the case of the results analysis by employability comparison, “is already in a possible reorganization procedure already not clarified.

Because the question as to whether and, if necessary, how a non-chargeable loan is to be offset financially, if the operating purposes of the loan have been used, does not arise in the event of a dispute, since it is not obvious that the answer to the question will lead to profit-making effects in the year of floating-rate interest could. Otherwise, the question is also not in need of clarification.

A loan granted to a member of a member is not a civilian loan, but is tax-deductible, not the business assets, but the private assets of the owner. From this it follows not only that the interest is not deductible as an operating expense, but also that the loan value is even assignable to the private assets of the entrepreneur.

Grants a loan to the corporation or pays a deposit

Grants a loan to the corporation or pays a deposit

If and insofar as the credit proceeds are to be credited to the company account as in the case of a dispute, this must therefore be recorded in the consolidated balance sheet as a deposit. The balance sheet of a loan, which is attributed to the private assets of the owner as (foreign) obligation and is effectively agreed under private law, is impossible on the other hand. However, if an interest-free and thus loan granted by the partners, which are not considered to be foreign, does not preclude the presentation of an appropriate obligation in the consolidated balance sheet, the question arises as to whether or not the interest-free lending between close members will also be appropriate Settlement of the loan with the borrower has to take place. b) This lecture does not meet the requirements of presentation.

The capital lending of a shareholder of the corporation is about whether the shareholder grants a loan to the corporation or pays a deposit. In contrast, the lender member grants one loan each. It only raises the question of whether it is an operationally arranged loan with the consequence that the obligation belongs to the operating assets of the borrower, or whether it is a privately arranged loan with the consequence that the commitment to the private assets of the borrower However, it uses the equity of the leased assets in its business assets.

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Financial Tips on Credit

The clip introduces the four most common types of credit. Most are familiar with the installment loan : You repay the borrowed money in fixed monthly installments within an agreed term. This can be useful for all types of purchases, and you also know exactly when the installment loan is repaid.

The line of credit, and overdraft, depends on the income. It enables the current account to be overdrawn at a level determined by the house bank. Overdrawing your account permanently is not recommended, if only because of the comparatively high overdraft interest.

With a line of credit, the bank provides a specific credit line available. You can decide how much and when to call. Interest only accrues on the sums that you actually call – but always at the current interest level. This makes a credit line more expensive and more difficult to plan than an installment loan, but it offers short-term liquidity.

The credit card is a kind of short-term loan and makes unlimited payments possible. The current account will be debited later, usually collected at the end of the month. With some cards, payment in installments is also possible.

 

How does an installment loan work?

How does an installment loan work?

Our video shows that an installment loan can help you keep an eye on your own finances. At the conclusion, you can decide for yourself whether you prefer to choose a lower rate and a longer term or a higher rate with a shorter term. The interest rate is agreed upon for the entire term. The fixed installments make it clear from the start when the loan is paid off.

If you have an additional amount left over, you can use special payments to shorten the loan term and even pay off the loan faster than originally planned.

 

What do I need to apply for a loan?

apply for a loan?

The video explains how easy it is to apply for a loan and what documents and requirements are required. At CreditFlash you can submit your loan application online, in one of our branches or through our dealers. After you have determined the loan amount and a suitable term, you will receive a non-binding loan offer from us. If you are satisfied with the offer, please send it back to us signed – together with the necessary documents, such as payroll and bank statements.

 

Credit knowledge in a few minutes

credit loans

Our clips give you a quick overview of credit. Please watch the videos with sound or switch on the subtitles so that you receive all important information. Have fun watching!

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Borrowers can claim processing fees back – private loans

In the past few years, eight different higher regional courts have ruled that banks should not charge fees for processing private loan applications. Few borrowers are aware of this and most banks simply ignore the relevant judgments. According to the new case law, banks can only charge processing fees if they grant a loan to a trader, for example, a craft company.

In the case of credit transactions between banks and private consumers, the credit contract must be processed free of charge. All processing fees that were charged due to early repayment of the loan cannot be reclaimed, provided they do not exceed USD 200.

Request processing fees back

Request processing fees back

All private borrowers who have paid processing fees to their bank without knowing the legal situation can reclaim them. The banks themselves are of course not interested in the reimbursement of the fees, they only pay on request, whoever does not complain will not receive any payment. The bank may not terminate the current loan due to the recovery, as long as the borrower pays his installments on time, he is legally on the safe side.

The statutory right to reimbursement of processing fees expires three years after the end of the year in which the loan agreement was concluded. For contracts from 2010, the recovery period ends at the end of 2013. But there is still hope for borrowers who signed their contract in 2009 or earlier.

Always ask about processing fees for new contracts

Always ask about processing fees for new contracts

The first consumer-friendly judgments regarding “processing fees for loan contracts” came only in 2010. According to a judgment by the Bonn district court, it was previously unreasonable to expect the borrowers to assert their claims against the banks. Accordingly, the limitation period for them also had to start in 2010.

When entering into a new loan contract, one should always ask about the processing fees and, if necessary, inform the bank of the relevant judgments. If she insists on the fees, you should better refrain from the offer and choose another provider.

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What is payday loan pay?

Suddenly you need cash, because the washing machine, the fridge broke down, the laptop needed to work got off. Time is short, you have to make it all by the end of the day. Many companies propose the first loan for zero costs and of course, this is an excellent proposal.

Rules for getting payday pay

Rules for getting payday pay

It is for people in urgent need banks, i.e. non-bank companies created the opportunity to quickly obtain money without unnecessary formalities, i.e. checking BIK, creditworthiness, employment, and earnings certificates.

Of course, this financial policy of a non-bank company is more risky, so the costs of getting payday loans are higher.

Instant loans are a small loan for a short period of time

bank

In principle, instant loans are a small loan for a short period of time. Most often it is the amount of several hundred zlotys for a period of 30 days. As a rule, many companies propose the first loan for zero costs and of course, this is an excellent proposal.

It is generally used to check the credibility of a new customer. Repaying the loan on time allows payday loans of greater value to be made later. However, even one day late will incur all costs and make it harder to get another loan in the future.

Online payday loan

bank

Competition on the payday loans market has resulted in many non-banking companies offering payday pay via the Internet. It’s the fastest way to borrow money in the shortest amount of time. Suddenly you need cash, because the washing machine, the fridge broke down, the laptop needed to work got off. Time is short, you have to make it all by the end of the day.

It takes only 15 minutes from sending the application to the appearance of money on your account. This form also requires the least formality, usually, a scan of the evidence confirming the identity is sufficient.