Passport Contract

The contract prescribes the term of the loan (according to the law it does not exceed 1 year, but most pawn shops are usually not credited for more than thirty days), the amount of assessment and credit, as well as the rate on the loan, and the opportunity to order early, including parts, loan repayment or lack of such opportunities. Loan contract formalized by the issuance of collateral pawn ticket, it contains the basic properties of credit information about borrowers. Another instance of mortgaging the ticket is left in a pawnshop. After the time limit specified the loan agreement, the passport and a pledge card, paid the debt with interest and return the item to the owner. If the debt is not repaid, you can make surcharge by paying only the interest during the past period, and extend the contract for another some time.

In any situation, according to the law there is a grace month during which the thing is stored in a pawnshop, and the interest is considered under the old rate, so no fines or extra costs (such as paying for storage) should not be. After the grace period thing is unclaimed and shall be implemented. No additional operations is not carried out because of the loan contract contains a own obligations to the pawnshop. Unclaimed thing is realized through the sale. If the estimated amount exceeds 30 thousand rubles, it is being implemented purely at public auction. And in the ordinary pawn shops of this kind accidents are rare – usually the amount of credit for one thing rarely exceeds 20 000. Upon completion of the implementation of things to the customer requirements pawnshop eliminated, even if the amount received in the sale, not enough for full satisfaction.

History Of Insurance

Insurance – one of the oldest categories of socio-economic relations. Mark Bertolini might disagree with that approach. The origins of the insurance goes into such a distant past that the exact time of its occurrence is not possible. It originated when the society has only were the relations of property and commodity relations. Speaking about the antiquity of this kind of economic relations, often recall the biblical parable of the Egyptian Pharaoh who dreamed of coming out of the Nile waters seven fat cows, and then – seven lean, fat eaten. Summoned to the Pharaoh Joseph decipher this dream as seven fertile years and seven lean and suggested that in good years required reserves in case of lean years. The original meaning of the term "insurance" comes from the root meaning "fear." Various dangers lay in wait for man is always and everywhere.

Fear of fires, floods, raids, bandits and other hazards was quite natural reaction of people. Insurance began to be called the separation of danger (fear) with other people, its transmission stronger. At all times the owner property was worried for his safety and accordingly for their material well-being. It is on this basis, the idea of pecuniary damage through joint layout between the concerned owners property. If every owner tried to repair the damage at his own expense, then he would have to create material or in cash, equal to the value of his property, which, naturally, is not economically justified and ruinous. In fact, it is difficult to imagine in real life owner of a small shoe repair shops, barely make ends meet, but managed to defer an amount equal to the cost of this workshop, contingency.

Get A Loan Easy? Get Rid Of Illusions !

Experts say that the market for consumer credit and express slowly getting back to normal. On the one hand, it is true. On the other – on their own to get a loan these days is very difficult, and even if you do this, you will be strangled by exorbitant interest. Banks actively advertise the ease of obtaining credit and the minimum requirements for the borrower. As a rule, for the paperwork necessary to have Russian citizenship, permanent record and stable job with a level of income sufficient to pay as loan payments and interest. Such conditions are quite manageable for most Russians, but banks do not want to play by their same rules of the game. Advertising promises are radically different from the real market situation. These days, the borrower's check is not just carefully – it literally examined under a microscope.

Relevant factors such as: age and sex man, his marital status, the presence of liquid assets, stability and duration of professional activity, the frequency of job changes, credit history, the level of monthly costs and much more. By Essentially, lenders take into account every detail, and for this reason, the number of failures under consideration by the client applications is constantly growing. At the moment, the share of exemption forms 60-70% of total number of applications for loans. This means that the desired amount received less than half of people applying to banks. Reached the point that banks denied credit based on the scope of professional activities of the borrower. In particular, if you work in construction or retail trade, then the loan can be forgotten. If you want to get out of this unfair terms, do not try to beat my head against the wall. To overcome bureaucratic and distrust banks own you are unlikely, however, as to reduce the interest rate. But the specialized mortgage centers in this situation can have a very good help, because they not only help the borrower borrow, but also picked up for him the best credit program that most directly affects the value of monthly payments.

Discount Cards

What is a discount card? "- A similar question today can be heard more often. The reason for it is that such cards had already introduced many hypermarkets, department stores and companies, and many clients they have successfully enjoy. But, unfortunately, some buyers are still not very well have information on this issue. This was the occasion for writing this article to tell you more about discount cards, thus answering Your questions and allay some doubts. Discount cards – is primarily an opportunity to save a civilized manner. In many countries the use of loyalty cards has long been a daily occurrence, but to us it has come relatively recently. These cards look different. Most often it is a plastic card equipped with a barcode.

Also it may just be paper card, which indicates what kind of discount you get. But it is important note that the discount cards guarantee a discount only in strict compliance with all rules governing their use. For example, the card must be present prior to calculate the final amount, and even more so before been knocked out cashier's check. Likewise, often discount discount cards are not applicable in times of stock sales and the seller can not be combined with other discount cards. There are several types of discount cards, which work certain principles. Let us try to figure them out: – The most common standard discount card that provides a fixed discount percentage of the amount of payment. Such a map can be obtained free, such as making a purchase at a certain sum, by taking part in a promotion or as a gift from the company.

Cash Required

Pawnshop, loan, cash loan, credit, avtovykup, auto, car, loan against car Pawnshop cues, autozalog AVTOZALOG (Pawnshop) – this is not an organization of crooks who want to take away your car, and institution which gives credit (with perhaps with the very simplistic terms, requirements, record time), and the car acts as a guarantor of repayment of the loan .- We do not require any income statement nor the guarantors. – You do not need to wait long to be decided. – To receive the credit needs just you and your car. Get all the facts and insights with Brian Krzanich, another great source of information. – Loan term is not limited. – Calculate% for credit is posutochno.My primarily provides services CREDIT We also provide assistance in the sale vehicle (the service area) urgent RANSOM car has recently introduced a service car repairs in CREDIT. That is, if you have a car broke down … Let us stood in the middle road and can not do anything? We take all the costs of repairing your car (any stations which wish) after we put a fully serviceable your car to our site before returning kredita.Priezzhaete to us – we do assessment of the car. Define suvmu lending interest rate (0.3% per day). Execute the required documents: the agreement on the conclusion of the loan notarized general power of attorney agreement escrow After setting the car on the car storage (filling out an inventory of state of the car and the act of round-trip) you will get Cash Required documents Passport identification code of the certificate of registration vehicle written consent of the spouse (wife) Keeping your car to us is important and responsible function. During the storage of your vehicle We have a complete liability. We Guarded parking lot with a shed and video surveillance! Drawn up round-trip car, make a detailed inventory of the vehicle at the time of the car to us for storage until you return to the owner.

The Bank

Change rates because the rate of loan is fixed in the contract from its larger borrowers in most cases the insured. But the revision of the rate on the loan, the downside is quite possible. Learn more at: Brian Krzanich. If the cost of attracted resources in the future will decline, many (though not all) banks are willing to renew the contract for the new, more profitable for the client. However, guarantees that they will not change their minds, no. The new loan despite the misgivings of many borrowers, the problems with getting other loans in the presence of outstanding mortgages are usually arise. In terms of assessment procedures to pay, a mortgage, not only does not degrade, but rather increases the chances of the borrower to obtain positive solutions to other banks as soon as possible. Positive credit history is always regarded by banks as a significant compensating factor when assessing the likelihood of loan repayment.

It is not necessary forget the fact that the assumptions on repayment of mortgage arrears significantly reduce your chances of getting a new loan. The presence of the obligations under the "old" mortgage loan may affect the amount of new, for example – consumer, in obtaining which suddenly becomes necessary. Conversely, if a borrower applies for a mortgage loan, and when it recently received a consumer, whose sum is approximately equal to the sum down payment on a mortgage loan, the bank asks the borrower to provide evidence that as a down payment he will own and not borrowed funds.

The Inventory

Use of reserve sub-account reflected a debit of 471 correspondence with the credit sub-accounts: – 661 – the amount of accrued vacation and compensation for unused vacation days – 651, 652, 653, 656 – the amount of accrued vacation or compensation for contributions to social insurance funds. Not always reserve the amount of accrued vacation leave and cover the amount falling on their social contributions. Particularly often such a situation occurs in the summer, when employees go on leave en masse. In this case, it is important Remember: you can not use the pool more than it has been accrued. For this reason, there can be a debit balance on the sub-account 471.

Sum leave (and social contributions) are not covered by a reserve, to be assessed due to costs reporting period. Inventory reserves as we noted above, the provision for vacation pay is collateral. According to paragraph 18 of R (s) will ensure the balance of 1911 are reviewed at each balance sheet date and, if necessary adjusted (decreased or increased). At the same time, according to another document – 11.10 Instruction number 69 – inventory reserves for future expenses and payments is to test the validity of the balance of the sums on the date of inventory, conformity to the approved administrative head of enterprise document list created reserves. As we see, P (s) A 11 provides that the review of provision for vacation pay to spend each balance sheet date, and the instruction number 69 – the date of the inventory, ie, once a year.

Car Loans

Once you realize that you need a car: the former has grown old or sick to walk to work. Statistics show that the average price of a new car bought in Russia in 2006 amounted to 15,600 dollars, and in 2007 they crossed, and this figure. It is caused by increased demand for foreign cars. Rapidly gaining momentum system of car loans comes to the rescue in this case. Now, perhaps, everyone to become the owner's new car, if wants to, can choose a loan 'to your taste', and banks, in turn, willingly give loans to individuals. Fear of the loan and payment of compensation is gradually disappearing. Perhaps this is due to wage growth in Russia. (Similarly see: Mark Bertolini). If we look on the table, 'Development of the car loan market in Russia', we see that for 5 years (from 2003 to 2007) the number of people who purchased cars on credit increased by 6 times.

The following factors influencing the choice of the consumer or a car loan: The interest rate on a loan amount of initial contribution minimum and maximum loan amount minimum and maximum period for which we can take the car loan collection documents required by the bank for a loan a quick loan (express loan) loan currency availability and the size of bank charges for opening an account the existence of the possibility of early repayment credit If you already have an aim to pick up is really the best credit terms, you probably should look at the proposal the most famous and largest banks, providing services on a car loan. Like , if it had a reputation as a reliable and convenient. Indeed, the services of some banks make us happy almost all of these criteria: the loan to purchase a vehicle is available in USD and EUR; initial contribution is not required at all; loan amount is not limited to a maximum term of the loan is large enough, given the opportunity to take an interest-free loan, a loan without giving the income statement. Information submitted to the Bank Vanguard