If the borrower constantly applies for a loan, this indicates that he does not have enough of his own funds for everyday expenses, the presence of financial problems. Accordingly, the rating will decrease.
Presence of overdue payments.
The calculation is based on active delinquencies and repaid delinquencies by their age, number, amount and duration. If delinquencies were on repaid loans 10 years ago, they will not affect the rating, but delinquencies on loans that were repaid only 2-3 years ago will affect the final score.
Changes in those areas that have been accelerating inflation so far could also help reduce it. Among these, Olga Belenkaya highlights:
high government expenditure exceeding revenues, particularly military expenditure;
labor shortage;
the impact of sanctions on foreign exchange shortages and import availability.
Possibility to save up to 40% on taxes: by reducing the income tax and deducting VAT from the entire amount of the leasing agreement. In 2025, tax savings will increase to 45% due to an increase in the income tax to 25%.
Government subsidies: in 2024, preferential programs were in effect for trucks, commercial vehicles, and passenger cars. The possible extension of subsidies will be announced in 2025.
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T-Bank has increased rates on savings accounts from December 19, 2024, the bank's press service reported . Interest on the account is calculated daily.
In Chuvashia, they are only considering the possibility of introducing a tax for travelers.
From January 1, 2025, a tourist tax will come into effect in Russia, which will poland number for whatsapp replace the resort fee. It will be included in the cost of accommodation, so it will be paid by hotel and inn owners. Next year, the tax rate will be 1% of the cost of the room per day, but not less than 100 ₽. Each year, the maximum amount will increase and by 2029 it will reach 5%.
The tax will not apply to privileged categories of citizens, including Heroes of the Soviet Union, Heroes of Russia, Heroes of Labor, veterans and disabled persons of military operations, disabled persons of the first and second groups, and disabled children.
If demand for loans cools, interest rates on them will go down, and then interest rates on deposits, warned Elvira Nabiullina, head of the Central Bank. "It's like in any market: if demand
decreases, the price of the goods will fall. And when this starts to happen, banks will gradually reduce interest rates on deposits," TASS quotes her as saying.At the meeting on December 20, 2024, the Bank of Russia kept the key rate at 21% per annum. The regulator explained this by tightening monetary conditions and slowing lending.
Analysts expect the "key" to increase to 23% per annum, and banks have raised deposit rates in advance.Interest rates on bank deposits will fall after such a decision by the Central Bank,
Yaroslav Kabakov, Strategy Director at FG Finam, told NSN. "In fact, banks that were currently attracting funds for bank deposits at 23% have found themselves in a slightly erroneous position," the expert believes. He believes that the change in the Central Bank's rhetoric speaks in favor of stocks, which will grow in some