Tag: finance

Credit Committee

Stringent requirements in the dress code of course not, but do not forget that the employee, inter alia, of psychological portrait of the client, and if you are supporter of the informal movement, that may affect the decision in your favor. Banks are eager to see among their borrowers of people engaged in intellectual work ("white collar workers), punctual, neat and tidy. So try to make such impression. Consider possible dialogues, questions that can be given to you, and answers to them. You must clearly understand what you go to the bank and what you need. The fourth stage – getting approval. Thus, the documents you have passed, with an expert to talk to. Comes one of the most exciting time – waiting. If you have additional questions, you may want to visit Vadim Belyaev.

What is happening out there in the lobby of a bank? A occurs following. The employee repeatedly checking the documents provided by you, is sewn into the folder (loan deal or files) and sends checks to the security service, the staff that checks you in one of the famous canals and waterways to the involvement of you to professional gangs, professional prosecution, professional business, various other offenses, accuracy and authenticity of the documents you. Check if you work, where indicated, whether you specify the address and phone really. Have you previously taken and not returned credits. After that, if yours do not have any violations, the case is transferred to service financial analysis.

There underwriters (financial analysts) are beginning to calculate what your actual income, how stable do you feel in the labor market, in fact on the basis of their analysis is necessary to draw conclusions about your financial stability by 5-10 years. After that, based on the conclusions of security and financial analysis of the case is transferred to the Credit Committee, which makes the final decision on granting a loan or refusal. Credit Committee – is approved by the board of the bank's top managers responsible for taking decisions on granting loans. Well, here came a nice time – the approval was obtained, and the bank is ready to provide you mortgage loan. Where to go from here? And talk about this in the next article.

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Ebay

Receiving things from people and selling at auction ebay. This idea for bizesa brings me a steady income is required: a small office and a computer with , credit card, an account on ebay, as well as the sign: 'Receiving the goods on commission. " Advertisement: advertisement in a newspaper – take all! Technology: Accepted thing for 20 days, then either given back had brought, or to give money. The Commission usually 40-50% of the selling price at auction. Range of goods: Old Cameras, subjects pre-war production, army ammunition, the newspaper until 1952, busts of Stalin, Lenin, communist symbols and attributes, handicrafts, amber, postcards, antiques, samples domestic product – in short, everything that can be collected. If you set their sights on western clients keep in mind that buy American, and we do not need for nothing. Accordingly, on the contrary. Differences from normal komissionok: 1.

Thing is not placed in the window on a review of passers-by and is sold over the Internet. 2. Demand differs greatly – not davleet behavioral street stereotype. 3. Clientele from around the world.

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Multipurpose Buildings

The new industrial centers, are provided with modern and multipurpose buildings, with rental options lofts and offices within their own industrial parks, sharing adjacent spaces where each group has complementary roles, providing coverage to different parts of the same project. It is necessary to “reinvent” Define HR management knowledge necessary to keep the company internally and that knowledge can be hired for a time, without losing competitiveness. The preferences of new business generation and hence workers have changed. Living and working in the same space. Created the new concept of office-loft, more creative space, which allows freedom of schedule, no traveling at peak times, with the possibility of service 7 X 24. Concept demanded by all firms end. Organizations need to adapt to very abrupt changes in the environment and economic cycles becoming shorter. This new way of responding to business needs, new opportunities to provide services for persons trained, autonomous in its niche of expertise, with indefinite timetables in their own spaces and within an industrial environment is shown by the increase in offers purchase or rental “apartments and office lofts.

In the limit we can now work on 50 meters Headquarters of a multinational, a 1 km or 1000 km Fits some clarifications and considerations to this model. The space, the location of these resources becomes co-managed by the person that does the job. The designers of industrial spaces, demographers have taken account of these trends and have built lofts and offices aimed at the world of rent, next to the large corporate centers.

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Leasing Mortgage

The most risky option mortgage is considered good in the back – its banks estimate extremely low – by a factor of 0,4 to 0,5. Not everyone knows that there is a possibility of taking a pledge not only available but also acquired property. In this case, the bank transfers the loan amount directly to the supplier, but the borrower must pay from their own 10% to 30% of the cost, depending on the requirements of the bank. Commercial mortgage commercial mortgage scheme is virtually identical to mortgages for private individuals. As collateral for the loan in favor acquired premises recipient of a mortgage to pay their own expense from 10% to 30% of its value, loan terms up to 30 years. The loan transferred to the seller and at the time of registration of contract of sale is recorded encumbrance on the purchased property. Thus, the owner until the loan can not implement in pledge property. A distinctive feature of the commercial mortgage is that purchased the premises must be registered as a non-residential fund.

Leasing For some companies with large amounts of equity, it makes sense to take advantage of leasing. In this case, leasing company on their own to acquire the required property of the borrower and passes it to the finance leases, and reserves the right to property. At the end of the lease agreement, the property becomes the property of lessee. The advantages of leasing include a fairly simple design and a minimum list of required financial documents (usually just the balance sheet and profit and loss statement).

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