... Agency (up to 1.4 million rubles). They provide fixed profits that are understandable even to beginners. Disadvantages: The real return is low—barely exceeding the inflation rate (around 9.5% in 2024). If withdrawn early, the bank pays less interest. Taxes: Personal Income Tax (PIT) (13%) is paid only on income exceeding approximately 210,000 rubles annually. Government and Corporate Bonds Profitability: Federal bonds (OFZ) are the most conservative option. Short-term OFZ yields about 17-19% per annum. Corporate ...

... upon. Moreover, real estate companies often sell properties to foreigners at significantly inflated prices, as buyers cannot personally assess the market. To avoid overpaying and to evaluate potential resale opportunities, it is advisable to send inquiries ... ... America to determine the realistic selling price of the property. It is likely that the actual price will be considerably lower. Income calculation methods. Realtors often fail to account for property tax, income tax, fees, and various expenses. This is done intentionally to make the property appear more appealing. To assess ...

... plan or financial plan may be required showing how borrowed funds will help increase income. Credit history. The borrower's reputation in credit bureaus plays a big role... ... increases the chances of approval. If the business does not have a credit history, the personal credit ratings of the owners can be analyzed. A negative history, on the contrary... ... the law and debts. The bank will most likely refuse a loan if it learns about serious tax debts of the company, lawsuits, a situation close to bankruptcy, or that the company...

... Russia impact real yields—historically, the purchasing power of ruble deposits has declined. For instance, over the last decade, real income for deposit holders has decreased by almost 18%. Taxation. Starting in 2024, interest on deposits is subject to personal income tax (PIT) of 13% above a tax-exempt threshold. This threshold equals 1 million ₽ multiplied by the maximum key rate for the year. With a key rate of approximately 15%, this translates to about 150,000 ₽ in annual deposit income. Therefore, if total ...

... project: sergeytereshkin.ru (сергейтерешкин.ру). Features of Investing in OGVZ Domestic government bonds are significantly more profitable than traditional bank deposits. Beyond higher interest rates, the income generated is exempt from personal income tax. Moreover, OGVZ is characterized by reliability. Payments are guaranteed by the state, meaning that investors can be assured of receiving their invested capital, along with agreed profits, on time. Investing in OGVZ has several key features: The nominal ...