Research (Penizenavic.cz)
Personal finance  |  June 06, 2012 14:40:06

Special mortgages for members of professional chambers from mortgage specialists


What makes this special mortgage?

Letter-spacing: normal; COLOR: rgb (0,0,0); vertical-align: baseline; BORDER-LEFT-WIDTH: 0px; word-spacing: 0px; PADDING-TOP: 5px; border-image: initial; - webkit-text-size-adjust: auto;-webkit-text-stroke-width: 0px "> Banks providing mortgage loans default, evaluates the income of loan applicants on submission of proof of income from employment or on the basis of the tax returns. But What to do if you're an employee, you earn a lot, but according to the income tax return is not enough?

0px; word-spacing: 0px; PADDING-TOP: 5px; border-image: initial;-webkit-text-size-adjust: auto;-webkit-text-stroke-width: 0px "> It is for these cases there are special Mortgage Mortgage Bank with alternative calculating income for which the bank will consider your income as submitted statements of accounts. your income in this case will be set at 60% of the sum of credit entries on current account statements for the last 6 months, regardless of recognized in the income tax return.

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The amount of your income as an alternative assessment, then, can easily be calculated according to formula

Alternative Income =   The sum of credit entries on the list for the last 6 months   x 60%

6

0px; BORDER-BOTTOM-WIDTH: 0px; letter-spacing: normal; COLOR: rgb (0,0,0); vertical-align: baseline; BORDER-LEFT-WIDTH: 0px; word-spacing: 0px; PADDING-TOP : 5px; border-image: initial;-webkit-text-size-adjust: auto;-webkit-text-stroke-width: 0px "> But beware, the alternative counting of income has its own rules and can not be credited to him in cash deposits, transfer on its own account and irregular one-off revenues (eg interest on term deposit). To do that you may have recognized the need for alternative income after business hours for 24 months and submit tax returns for the last two fiscal years. Other documents that you will where an alternative counting of income document are in the business license, proof of tax payment and a certificate of indebtedness from the tax office.

Who is the mortgage for?

Letter-spacing: normal; COLOR: rgb (0,0,0); vertical-align: baseline; BORDER-LEFT-WIDTH: 0px; word-spacing: 0px; PADDING-TOP: 5px; border-image: initial; - webkit-text-size-adjust: auto;-webkit-text-stroke-width: 0px "> For members of professional associations, ie.

- Lawyers

- Executors

baseline; BORDER-LEFT-WIDTH: 0px; word-spacing: 0px; PADDING-TOP: 5px; border-image: initial;-webkit-text-size-adjust: auto;-webkit-text-stroke-width: 0px " > - Notary

- Doctor

- Dentists

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- Pharmacists

- Architects

baseline; BORDER-LEFT-WIDTH: 0px; word-spacing: 0px; PADDING-TOP: 5px; border-image: initial;-webkit-text-size-adjust: auto;-webkit-text-stroke-width: 0px " > - auditors

- Tax adviser

 

Try the mortgage calculator on PenizeNAVIC.cz http://www.penizenavic.cz/kalkulatory/rozsirena-hypotecni-kalkulacka

How much you borrow Mortgage Bank?

Letter-spacing: normal; COLOR: rgb (0,0,0); vertical-align: baseline; BORDER-LEFT-WIDTH: 0px; word-spacing: 0px; PADDING-TOP: 5px; border-image: initial; - webkit-text-size-adjust: auto;-webkit-text-stroke-width: 0px "> The maximum amount of the mortgage loan when including alternative income is limited by two factors. The first is the actual amount of your alternative income when the maximum mortgage determined   according to your ability to repay the loan   (With rising incomes, rising well above the maximum mortgage). The second factor is   collateral value of the property. Mortgage bank when you provide alternative income offset mortgage up to 85% of collateral value. The minimum amount of mortgages in this case is 500 000 CZK.

Orphans: 2; BORDER-TOP-WIDTH: 0px; BORDER-BOTTOM-WIDTH: 0px; letter-spacing: normal; COLOR: rgb (247,148.29); FONT-SIZE: 16px; vertical-align: baseline; BORDER-LEFT -WIDTH: 0px; word-spacing: 0px; PADDING-TOP: 20px; border-image: initial;-webkit-text-size-adjust: auto;-webkit-text-stroke-width: 0px "> Hope for entrepreneurs with low income in a tax return

With the introduction of the mortgage market Mortgage Bank filled a gap in the market, which complicated financing the acquisition of housing for members of professional associations in low-income tax return, when you would otherwise have been the only choice mortgage without proof of income with much higher interest rate. With a mortgage with an alternative calculation of income and so can you, as a member of professional associations, to obtain mortgages with favorable interest rate and not to increase their income while artificially in the tax return.

Tyto zprávy pro vás vytváří Penízenavíc.cz.
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