However, the EAC Chairman, speaking at the Federation Council, duplicated the idea of the Supreme Court to establish a uniform procedure penalty payments, extending it to all taxpayers, including individuals. At the same time offering to abandon the judicial machinery collection of tax arrears, fines and penalties, and the court to consider only the contested acts tax authorities to collect payments. It should be noted that this bill and the initiative you are not only contrary to paragraph 3 of Article 35 of the Constitution – "no one shall be deprived of his possessions except by court order, and go contrary to the legal position of the Russian Federation Constitutional Court (decision of 17.12.1996 20-II, the definition of 06.11.1997 111-O, Judgement of 12.05.1998 14-II, Judgement of 15.07.1999 11-II, the definition from 06.12.2001, 257-O), which defined different procedure for collecting tax payments from individuals and legal entities, aiming not at that to put them in an unequal position in the sphere of tax relations (the obligation to pay taxes), but on what to avoid administrative interference in individual rights when the issue can be resolved only through litigation. These initiatives have the higher courts and even violate the banking secrecy, and cancellations, as well as adjusting Article 48 of the Tax Code, not only would lead to a change in a number of articles of the Tax Code and the rights and obligations of banks and taxpayers – individuals who will have to disclose accounts held in Credit Institutions (st.st.11, 21, 23, 31, 60, 76, 86, 93, 93.1 of the Tax Code, etc.), but also undermine confidence in the banking sector, which is especially would affect the economy and political situation in during the financial crisis in the country.
Before the analysis of credit rates necessary to pay attention to two important details: The requirements of the bank to the borrower. Since the onset of the crisis have tightened requirements for borrowers in almost all banks with few exception. First, raise the age at which credit is extended in cash. In general, the average age at which you can draw cash loan is 23 years, but there are few cases of lending in 1921. Secondly, increased the required experience at the last place of work: at the moment most liberal requirements 3 months makes only a few banks, while most loans to people with experience of 6 months and above.
Thirdly, many banks have imposed restrictions on the receipt of cash loan for people with certain income. In such a situation a person is difficult to pick up the bank, where you can get a loan, given his income, length of and age, as well as many other parameters, which are discussed below. Requirements for the documents for the loan in cash. As a rule, for credit in cash without sureties, in addition to the standard passport and the second document, the banks began to demand a certificate confirming the borrower's income, and a copy of the work book. If previously it was sufficient to provide a certificate in the form of the bank, now need to formally 2-PIT. These tighter requirements to the documents made it possible to turn all sorts of fraudsters who specializes in the production of documents for the loan. However, despite the complexity of the situation with the necessary evidence income is still possible to get cash loans without reference to income. What to look for when choosing a credit program to start to analyze the rates on the loan.
The interest rate is pay attention, but only partly. Returns the time when banks are laying the bulk of the interest burden in the various monthly fees (commission for the CSC, the Commission for maintaining accounts, etc.), so this item it should be noted separately. For some banks monthly commission on the loan in cash of more than half of all paid by the customer interest on the loan. Also pay attention to the method of charging commission loan, that is, to determine how it is calculated. Second to that is worth paying attention to when choosing the loan in cash – a one-time fee for receiving it. Wide range of commissions – it varies from 2 to 10 percent. Penalties for early repayment in cash at the moment are rare, but it should clarify how early redemption is carried out. Often when you make the sum greater than the monthly payment, the difference just hanging out on the bill and neither is a principal repayment of the loan and the interest continues to accrue on a large balance. Thus, to choose for themselves a cash loan you need to assess requirements bank to the borrower, document requirements, fees for the loan. I wish you good luck with the credit.