Which bank can I take out a consumer loan from in order to overpay less? Read an overview of the best market offers with the most favorable conditions and low interest rates. You can submit an application to all of them online; most apply either only with a passport, or with two documents without certificates and guarantors, and provided that you have a normal credit history - even for pensioners and the unemployed without refusal. Two offers are for borrowers even with a bad credit history, but the rates are already higher. Issuance in cash or by card.
First, a couple of tips:
- Contact a bank you know . Banks offer the lowest rates to salary clients - they already know everything about your level of income and its regularity. Usually they don’t even ask for anything other than your passport. If this is not an option, go to where you have an open deposit or a credit/debit card. Or where they took out and repaid loans on time earlier.
- Please provide accurate information . You should not inflate your salary, especially where they ask for 2-NDFL certificates. Do not lie about other open loans, past or present delinquencies and other data that the bank will still request from the BKI. Any discrepancies between the questionnaire and reality are grounds for refusal.
- Request an adequate amount . Ideally, the monthly payment on a loan should not exceed 30% of your official income, which you can at least somehow confirm. Don't fall within these boundaries? Reduce your “appetites” or increase the term - this will reduce your payment. Use a loan calculator for calculations.
Legislation
An important legislative document that spells out the nuances of MTPL insurance is the Federal Law “On Compulsory Civil Liability Insurance of Vehicle Owners.” The release of the act dates back to April 25, 2013. Changes were later made to improve the customer experience.
Based on the requirements of the document, it is clear that insurance must be provided. It is required to protect against road accidents, so that there are no unnecessary expenses in case of violation of the rules. The insurance company undertakes to reimburse the injured party.
All car owners must comply with the rules of the contract. If it is not concluded on time, the punishment will be deprivation of rights. And restoration occurs only after receiving the necessary documentation, in particular, MTPL.
Reviews indicate that it is better to take out a policy right away, since the owner of the car is subject to fines. Many people believe that it is better to use the services of trusted companies. Most of them offer favorable conditions. Many owners advise immediately applying for CASCO insurance so that the ride is much calmer. This policy provides compensation for the repair of your car.
How to make a certificate: what else should be taken into account?
Issuing a certificate should not be confused with receiving a declaration. These are different documents. Some confusion may arise due to the fact that obtaining both a declaration and a certificate is called certification. However, in reality there is a difference between these procedures.
If you do not understand how to issue a certificate for a specific product, for example, for products or equipment, first make sure that this procedure is mandatory for you. In some situations, as mentioned above, obtaining such a document is voluntary and necessary, first of all, for reputation.
What certificate do I need to obtain?
Important: in order to understand how to make a certificate, you also need to understand in accordance with what standard you will issue it, that is, what exactly you plan to confirm. This may be a technical regulation of the Customs Union. For a number of products, such standards are already outdated. Instead, the technical regulations of the Eurasian Economic Union (EAU) are actively used. Since the replacement of some standards with others occurs gradually, it is better to check such points.
It is also possible to obtain a certificate in accordance with national standards (GOST). They are still active. Please note that some types of certificates are separated into a separate group. For example, the issuance of a fire certificate follows its own algorithm. This procedure will differ from how such a document is issued in other cases.
It is also worth noting that the certificate can be issued for the international ISO system. To a greater extent, it concerns quality management. Obtaining a certificate for this standard in Russia is voluntary. However, if a company wants to go international, then this becomes mandatory for it.
Types of insurance companies
Where is the best place to apply for compulsory motor liability insurance? Since insurance is mandatory, you need to choose the right company. All companies operate on the basis of a single program, but not all companies are reliable and perform their functions professionally. Favorable conditions are offered by Ingosstrakh OSAGO, Rosgosstrakh, Soglasie. It is necessary to select suitable conditions.
Only trusted companies should be trusted with compulsory motor liability insurance. Reviews from car owners show that there are several reliable companies that you can safely contact. These include:
- "Rosgosstrakh": the company was created by government agencies, so it is very reliable, its market share is 35.83%.
- “Alfastrakhovanie”: the company is among the best due to its effective activities, reviews indicate affordable prices: the company has been operating for more than 20 years, and during this time many people have begun to use its services.
- “Consent”: the company carries out activities with individuals and legal entities, in addition to compulsory motor liability insurance, other types of insurance are also carried out.
- "Renaissance Insurance": although the company has existed for so long, it has still managed to win the trust of car owners.
In addition to these companies, other companies also provide insurance. Rating institutions include Ingosstrakh OSAGO, Uralsib OSAGO, SOGAZ. Similar conditions are offered everywhere, but there are also differences. Calculation of the cost of compulsory motor liability insurance must be carried out on the basis of the law.
Where it is better to apply for compulsory motor liability insurance, the car owner must decide independently based on the conditions suitable for him. To do this, you must first familiarize yourself with the information on the services provided.
What credit cards can be considered profitable in 2020?
The profitability of a credit card is determined by 4 criteria:
- annual maintenance and its cost. There are cards that do not include a service fee, but even with this, a bank loan can be profitable. Especially if the credit card includes bonuses that cover the cost of service.
- Cashback. If it is there, it is convenient, and people who often make purchases in online stores have seen this from their own experience. Cashback provides the opportunity to return a percentage of the purchase price. There are banks that offer a minimum percentage, and there are also those that allow you to return up to 30 percent of the price of the product. The issue of cashback needs to be clarified before applying for a credit card, since each financial institution has its availability and percentage individually.
- The grace period is a period of time during which you can use the loan for free, without accruing interest. The average length of the grace period is 1-2 months, but the longer it is, the more profitable it will be to use the card. Before signing a loan agreement, it is important to clarify whether the grace period applies to cash withdrawals.
- Commission. There are banks that charge it only for cash withdrawals, but there are those that charge a percentage for additional services. The minimum amount of commission for withdrawing money is important for people who often use cash, because with a high percentage the benefit from a credit card will be dubious. The concept of additional services means a fee for informational SMS messages, a commission for transferring funds, as well as for replenishing a card from an account of another bank. There are banks that do not charge for such services, but this is rare; usually the user has to pay for SMS and other “goodies”.
Through the Internet
Now you can apply for compulsory motor liability insurance via the Internet, and you don’t need to go anywhere to do this. After the purchase, you will receive a document by email that you need to download. On the website you can calculate the cost of compulsory motor liability insurance.
Due to the advent of electronic documents, traffic police officers can check it without a paper policy. And with the help of cameras, the lack of insurance will be recorded by car number.
Electronic policies have become available in our country since 2020. This provided an opportunity to choose a suitable company, as well as draw up a document in a comfortable environment. You can obtain MTPL via the Internet on the official website of the selected company. Payment is made by credit card and popular payment systems.
How to properly prepare documents
Advice from lawyers:
1. I want to buy a plot of land with unfinished construction in Yalta, fill out the documents correctly.
1.1. Hello! It would be correct to know whether the property is registered in the Unified State Register of Real Estate in Rosreestr and whether the land is registered. Order extracts and view and study.
Did the answer help you?YesNo
1.2. Hire a good lawyer. Saving here is fraught with hundredfold losses.
Did the answer help you?YesNo
Consultation on your issue
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2. When leaving the entrance, how to correctly fill out documents for compensation for moral damage.
2.1. What is the damage, who or whose property (the source of increased danger) caused you this harm.
Did the answer help you?YesNo
3. I have no income, I am engaged in street vending machines, how to properly prepare the documents.
3.1. A strange question: what documents should I fill out for what?
Did the answer help you?YesNo
4. The administration of a rural settlement plans to purchase a non-residential building from an individual. persons worth up to 600,000 thousand rubles. How to properly prepare documents? 1. ……. 2. ……. 3. ……..
4.1. Hello! This is paid information.
Did the answer help you?YesNo
5. I got into an accident due to DCP, no insurance. It is not your fault in an accident, how to properly fill out insurance documents.
5.1. You need to contact the insurance company of the person responsible for the accident with a certificate of the accident, vehicle registration certificate and passport. If you have not managed to register your vehicle, then most likely the owner will have to contact you. Sincerely, lawyer – Stepanov Vadim Igorevich.
Did the answer help you?YesNo
5.2. In accordance with the law on compulsory motor liability insurance, notify the insurance company at fault. Provide the car for inspection... get a referral to a service station.
Did the answer help you?YesNo
6. Parents are selling a plot on which 2 houses are built. A certificate was received for the plot and a small house in 2012, and for a large non-residential house in 2020. It turns out that when selling, parents must pay tax on the house, which was registered in 2020. The purchase and sale agreement specifies the total transaction price, according to an independent assessment. Tell me what to do in this situation and how to fill out the documents correctly? And on what amount will tax be charged?
6.1. Good afternoon Based on what you indicated, the land plot was owned for more than the minimum period, which gives the right to a tax-free sale, and the built house was owned for less than the minimum period (the minimum period of ownership is five years). In view of this, the land plot will not be subject to sales tax, but the house will be. You definitely need to distinguish between the cost of the land and the cost of the house in the purchase and sale agreement. Otherwise, the tax base can be calculated from the total contract price. The tax will be calculated based on the cadastral value. The only problem is if the sale price is below 70% of the cadastral value.
Did the answer help you?YesNo
7. Please resolve this issue. My parents are now in Finland for work and cannot come to Russia due to the virus and border closures. Their daughter (7 years old) is currently in Russia with her grandmother. Is it possible to somehow arrange guardianship for a grandmother for her granddaughter during the absence of her parents? Can parents in Finland draw up some documents or a power of attorney for their grandmother, or is the personal presence of the parents in Russia required to formalize everything correctly for the grandmother?
7.1. Let them fill out an application for temporary guardianship of the grandmother, have the application notarized (with translation into Russian) or at the consulate, and send it by registered mail to the guardianship.
Did the answer help you?YesNo
7.2. Marina, hello. You can issue a power of attorney in Finland, for this you do not need your grandmother’s personal presence in Finland, you just send her the power of attorney (with a certified translation) and that’s it. You can apply for guardianship; for this, the grandmother must contact the guardianship authorities at her place of residence. The guardianship will need to provide an application from the parents for temporary guardianship (they can also issue it in Finland and send it by mail). Good luck and all the best to you.
Did the answer help you?YesNo
8. A fine of 5,000 rubles was imposed for non-payment of parking in Moscow. Registered in the Moscow parking space as the father of a disabled child. The LAMP office said that fines are not cancelled, they won’t look into anything, if you don’t agree, go to court. How to properly submit documents to the Kuzminsky Court of Moscow?
8.1. Prepare a complaint against the decision and submit it to court.
Did the answer help you?YesNo
8.2. Hello. You will have a complaint against the decision in the case of an administrative offense; it must be filed with the court in accordance with Chapter 30 of the Code of Administrative Offenses of the Russian Federation.
Did the answer help you?YesNo
8.3. Good day, Sergey! Contact lawyers to draw up legally competent complaints!
Did the answer help you?YesNo
9. How to properly issue a power of attorney (if needed) for the removal from Ukraine of a child and his mother to his father, who lives in Crimea on a Russian passport. On his birth certificate and marriage certificate he is a citizen of Ukraine. He cannot travel to Ukraine, his Ukrainian passport with Crimean registration has been lost, and Crimean documents are not recognized at the Ukrainian border. In this case, what should you provide to your mother at the Ukrainian border? The trip will be to dad in Crimea.
9.1. Let the power of attorney be made not in Crimea.
Did the answer help you?YesNo
10. I received an email asking me to pay $2,000 so that Dr. Wilson Ethan could activate his credit card and also so that he could receive vacation documents to come see me. Is it correct.
10.1. This is a very funny and old way of cheating)
Did the answer help you?YesNo
10.2. This is a common scheme for scammers.
Did the answer help you?YesNo
11. I am buying a permanent garage without documents with leased land from the state. registration for 49 years. How to properly formalize a purchase and sale transaction? And will this lease be transferred to me or will it need to be reissued?
11.1. Why buy something without documents? The lease must be reissued.
Did the answer help you?YesNo
11.2. Why pay money for something that legally does not exist? Let the seller first register his rights to the garage, and then dispose of it and sell it.
Did the answer help you?YesNo
12. A bag with documents and keys was stolen; police department, come and get it. Please tell me how to behave correctly in such a situation? I am very worried that loans could be issued using my passport. Thank you very much!
12.1. The case was transferred according to territoriality.
Did the answer help you?YesNo
12.2. At the duty station, take a notification coupon with the PMC number. Get a document from the police about issuing the documents found to you. Report the find to the police at the place where the application was filed and apply for a new passport, because the police were obliged to put the lost passport in the search database and in the database of invalid documents.
Did the answer help you?YesNo
13. We have payments for young teachers attached if I submit all the documents in the same year. But I didn’t have time, now they themselves say you can go to court, maybe it will work out. How can I properly file a claim?
13.1. The right thing to do is to contact a lawyer, but I doubt that you can get anything.
Did the answer help you?YesNo
Consultation on your issue
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Calls from landlines and mobiles are free throughout Russia
14. I am an individual forwarder, the cargo owner has instructed me to transport the cargo. I found the driver who was in an accident. The cargo is damaged. The culprit is driver Berezina. Who should be the plaintiff and who should be the defendant in this case? Are all documents completed correctly?
14.1. How do we know whether your documents are drawn up correctly or not if we don’t see them? You have entered into an agreement with the cargo owner, which means you are responsible to him according to the terms of the agreement. Deal with your driver yourself.
Did the answer help you?YesNo
15. We are going to buy a house, it is under construction. By general agreement, we agreed that they would lay out the frame of the house and the roof for us, and we would do the rest of the finishing work, windows, doors, and do everything ourselves. We agreed that he would sell the spare parts and the box of the house with the roof to us under a contract after NG for the agreed amount. He invites us to do finishing work until then. How to properly draw up a document if we don’t give him any money yet, but we ourselves are going to invest in home renovations?
15.1. You first check the ownership of the building permit and the technical approval plan.
Did the answer help you?YesNo
16. Need advice on office work. It is my responsibility to transfer documents after the departing employee. I don’t know how to properly prepare and to whom to hand over all the documents. How can I transfer it to the office or archive?
16.1. Contact any lawyer on the site via private message for advice. Sincerely.
Did the answer help you?YesNo
17. How to correctly draw up a document for household appliances that is not mine, but my mother-in-law is giving it to my wife and me for use?
17.1. Clause 1 Art. 689 of the Civil Code of the Russian Federation: Under an agreement for gratuitous use (loan agreement), one party (the lender) undertakes to transfer or transfers an item for free temporary use to the other party (the borrower), and the latter undertakes to return the same item in the condition in which it received it, subject to normal wear and tear or in the condition stipulated by the contract. The agreement is drawn up in simple written form and signed by all parties.
Did the answer help you?YesNo
18. Owned a house in Crimea since 1995. The land under the house is not registered. During the transition of Crimea to Russia, the house was registered in the cadastral register. How to register the land under the house correctly? There are no documents for the land - everything was lost by the village council, but in Ukraine the land tax was paid.
18.1. Hello! Through the court, no problem.
Did the answer help you?YesNo
18.2. Recognize property rights in court. The claim is filed in a court of general jurisdiction.
Did the answer help you?YesNo
19. What package of documents do you need to collect to file for divorce? There is 1 minor child, and how to properly fill out a statement of claim, maybe there is a sample? Since the courts do not receive citizens, they told me to send them by mail.
19.1. Hello, To file a claim for divorce, you will need an original marriage certificate, an original birth certificate for a child, a certificate about who the child is registered with and lives with, your passport, and payment of a state fee of 600 rubles. (Article 21 of the RF IC)
Did the answer help you?YesNo
19.2. There are many options on the Internet. Attach a marriage certificate, a birth certificate and a certificate of who the child lives with (about the composition of the family). But first, send the claim to the defendant by valuable letter. A receipt for the claim for the court. If you can’t handle it, contact me, I’ll arrange it inexpensively.
Did the answer help you?YesNo
20. We got divorced last year by a court decision in absentia (we wrote statements). We did not receive divorce papers. Both would like to reverse the decision. How to correctly fill out an application to cancel a default judgment (reason)
20.1. Receive a decision, file an appeal against the court decision with a petition to restore the deadline... in the appeal, both parties declare that they are asking to cancel the decision.
Did the answer help you?YesNo
20.2. First, write a competently legally drafted application for the cancellation of absentia with an emphasis on the application of the order of the Ministry of Telecom and Mass Communications of the rules for the provision of services and the entire Russian Federation. and then after cancellation you can ask for a motion to terminate the proceedings.
Did the answer help you?YesNo
Tell me please, I want to sell a house but the buyer does not have a full payment,
Received a share in the apartment after the death of her father. His second daughter is a minor and there is no contact with her mother.
After 5 years, I decided to apply for a social benefit for the loss of a breadwinner, but my boyfriend and I were not married,
The main employee went on maternity leave, they hired another employee temporarily, and then the temporary employee also went on maternity leave and they are going to hire a third employee.
Good morning, please tell me what to do right, the land was bought in a civil marriage by my husband,
How to properly prepare documents and what documents are needed if the DCP does not indicate the full cost of the apartment.
My husband and I took out a mortgage. Now we want to get a divorce, he leaves me the apartment.
My son will apply for parole in July. The victim is ready to give consent, but we do not know how to formalize it correctly.
The apartment is owned by my mother. We agreed that my sister would live in the apartment, but she would give me money for half the apartment. How to properly prepare such a document?
I want to divorce my husband. Because the feelings have cooled down. And he has no registration and no desire to work.
Change of the chairman of the SNT, how to properly prepare documents for registration with a notary, voted by ballot, tel. +79200792646
Cheap options for registration of compulsory motor liability insurance
Where is the best place to apply for MTPL to save money? Insurance companies are increasing their payouts. This causes the bankruptcy of firms, which is observed during the economic crisis. In order for the company to exist in difficult times, it offers services with attractive conditions.
You just need to carefully read the principles of providing compulsory motor insurance. If the cost of the policy is small, then it may not cover the risks, but the funds should be intended to completely repair the car in the event of an accident. Therefore, you should not focus on cheap options, because they may have some conditions.
Using decorative stone to design openings and arches
This option is suitable for spacious dwellings, since stone arches have such an unpleasant feature (they visually and physically hide the space around them, “eat up”). You can imitate masonry in several ways, for example: the entrance to a knight's castle, or brickwork, creating the effect of “torn edges,” using stone of the same color in different shades, all options look wonderful.
Decorative stone is an affordable and equally beautiful and exquisite material in comparison with natural stone, and at the same time it has a huge baggage of advantages. The use of stone cladding in home decoration gives the home a touch of originality and freshness.
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Cost of OSAGO
If you are interested in where is the best place to apply for compulsory motor liability insurance in Moscow, then you need to visit several popular companies and then choose the right one. Basic tariffs are approved by law, but many companies have inflated or underestimated prices.
The main criteria affecting the price of the policy include:
- engine power;
- place of registration of the car;
- owner's age;
- driving experience;
- practice.
It is better to choose compulsory motor liability insurance for 10 months, which means you do not need to pay additional funds. The basic tariff is 3432-4118 rubles.
Who is entitled to receive 3,000 rubles for families with children under 18 years of age from April during the pandemic?
The next payment from the state will be given only to those citizens who are unemployed today due to the pandemic. And since I am on maternity leave to care for a child under 3 years old and am listed as working, and my husband works in an unofficial job, this payment, unfortunately, does not apply to us in any way. Unless, of course, you try to register for unemployment, but he didn’t officially lose his job, alas...
As for those citizens who nevertheless lost their jobs due to non-working weekends and registered on March 1 at the employment center of their city for 3 months (April, May, June), they will additionally be able to receive the maximum increased unemployment benefit in the amount of 12 thousand 130 rubles. I hasten to inform you that Decree of the Government of the Russian Federation dated April 12, 2020 No. 485 was signed and the document came into force on April 17, 2020.
Benefits in the amount of the minimum wage will be paid regardless of the reason for dismissal from the previous job and the amount of earnings over the past few months. An exception is violation of labor discipline or other guilty actions provided for by the legislation of the Russian Federation.
In the regions, this benefit may be even higher. For example, in Moscow it is 19,500 rubles. This payment will also include an additional amount of 3,000 rubles for each minor child. In this case, as Putin said to V.V., there will be no need to submit information on income for the previous year. And it doesn’t matter whether you have registered maternity capital, as in the case of paying 5,000 rubles for children under 3 years old.
Attention! Payments will be given only to those Russian citizens who lost their jobs on March 1 and are required to register after this date. Those laid off before March 1 will also be able to receive the maximum unemployment payment, but the benefit is based on average earnings for the previous period. Whereas for others (those laid off on March 1), this does not matter.
Watch Putin's full address for April 8 in this video.
Receiving an insurance premium
The insurance company, upon application, opens a case due to damage incurred, for example, in an accident. Employees perform their own investigation of the incident. All subtleties, details of the event, and data of the affected persons must be taken into account.
The insured person must immediately notify the company about the event. It is advisable to submit an application in the manner approved by law, attaching all documents. Compensation is accrued after verification of the insured event. An amount of about 50,000 rubles is usually transferred without any difficulties.
Compensation is paid if:
- 1 vehicle was damaged;
- both parties have a compulsory motor liability insurance policy;
- There were 2 cars involved in the accident.
The injured person receives insurance compensation, so it is indicated in the application. Sometimes payment is replaced by repair and restoration work.
Choosing an insurance company
When choosing a company, you need to pay attention to the following indicators:
- company rating: if the company’s reliability level is high, then it consistently pays compensation and also performs its work professionally;
- size of the authorized capital: policies must be purchased where the authorized capital is more than 500 million rubles;
- financial indicators: they include the amount of bonuses and the percentage of payments;
- advertising: it is best to focus on reviews from real clients, even better from friends, and not on videos on the Internet or TV;
- conditions: it is necessary to study all the nuances of providing the service.
Professional insurance companies work in harmony. Specialists always advise their clients on issues of interest. When an insured event occurs, an inspection is carried out, and funds are transferred to the injured party quickly.
Partial wall filling
This option is considered the most practical and beautiful. Modern designers believe that stone walls are relevant in palaces, not apartments. There are more valuable uses for stone than just covering walls. In particular, creating shapes and silhouettes from stone material, for example, drawing up a stone, continental map on the wall, smooth transitions, only part of the wall is filled, the main thing is to maintain harmony and not overdo it. Another advantage of this option is the combination of stone with other materials, because this material can be combined with anything.
