#EFT Capital personal loans

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Secure Your Finances with Non-Resident Loans in Australia:

Loans offered to citizens with Visa in Australia

Introduction Loans are a great way to finance large purchases, pay for unexpected expenses, or consolidate debt. But, for some, accessing a loan can be difficult, especially if you don't have a permanent residency status in Australia. Fortunately, there are a number of lenders who offer loans to citizens with visas in Australia. In Australia, there are a number of lenders who offer loans to citizens with visas. These lenders understand that visa holders can still be reliable borrowers and offer them loan products that are tailored to their needs. When applying for a loan as a visa holder, it is important to understand the different types of loans available and how they work. Generally, lenders offer secured and unsecured loans. A secured loan requires the borrower to provide an asset, such as a car or a house, as collateral. This means that if the borrower fails to make the loan repayments, the lender can take possession of the asset. An unsecured loan, on the other hand, does not require any collateral and is based solely on the borrower's creditworthiness. Most lenders will require a visa holder to have a minimum income level and a good credit score before they will approve a loan. It is also important to note that visa holders may be subject to higher interest rates than those offered to Australian citizens. This is because lenders view visa holders as higher risk borrowers. When applying for a loan as a visa holder, it is important to have all the necessary documents ready. This includes proof of identity, proof of address, proof of income, and proof of employment. It is also important to provide a detailed explanation of why you are applying for the loan and how you plan to repay it. It is also important to shop around and compare different lenders to find the best loan product for you. Different lenders may offer different interest rates and repayment terms, so it is important to compare them to find the best deal. When applying for a loan as a visa holder, it is important to understand the terms and conditions of the loan and make sure you can afford the repayments. It is also important to read the fine print and make sure you understand any fees or charges that may be associated with the loan. Overall, loans are a great way to finance large purchases, pay for unexpected expenses, or consolidate debt. For visa holders in Australia, there are a number of lenders who offer loans tailored to their needs. It is important to understand the different types of loans available, shop around for the best deal, and make sure you can afford the repayments.

Loans for Permanent Residents in Australia Are you a permanent resident of Australia and looking for a loan? You have come to the right place! In this blog, we will discuss the various loan options available for permanent residents in Australia, how to get the best deal, and the benefits of taking out a loan as a permanent resident. Permanent residents in Australia are eligible to apply for a range of different loan products, including personal loans, car loans, home loans, and business loans. It is important to understand the different types of loans available and the requirements for each, as this will help you to find the best loan for your needs. There are a range of loan options available for permanent residents in Australia. It is important to compare the different loan options and understand the terms and conditions before you decide which loan is best for you. Taking out a loan as a permanent resident can be a great way to access funds for a variety of purposes, build your credit history, and save money on interest payments.

Non-Resident loans in Australia The concept of non-resident loans Australia is an interesting one. With the increasing number of people from other countries coming to Australia to work, study, or simply visit, it has become necessary for lenders to offer loans to non-residents. These loans are designed to help non-residents who may not have access to the same financial resources as those who are Australian citizens or permanent residents. Non-resident loans in Australia are available to those who are not Australian citizens or permanent residents. This includes temporary visa holders, those on student visas, and those who are in Australia on a working holiday visa. The loans are offered by a variety of lenders, including banks, credit unions, and non-bank lenders. Non-resident loans in Australia are typically offered at higher interest rates than those available to Australian citizens and permanent residents. This is because lenders view non-residents as higher-risk borrowers. As a result, lenders typically require non-residents to provide more documentation and security when applying for a loan. In order to qualify for a non-resident loan in Australia, applicants must meet certain eligibility criteria. These include having a valid visa, being employed in Australia, and having a good credit history. Applicants must also demonstrate their ability to repay the loan. This usually involves providing evidence of income and assets. Non-resident loans in Australia are typically offered for a range of purposes, including purchasing a home, buying a car, consolidating debt, and financing a business. The amount of money that can be borrowed depends on the lender and the applicant’s circumstances. When applying for a non-resident loan in Australia, it is important to compare different lenders and their loan products. This will help ensure that the best loan product is chosen for the applicant’s needs. It is also important to read the loan terms and conditions carefully before signing any agreement. Non-resident loans in Australia can be a great way for non-residents to access the funds they need. However, it is important to remember that these loans come with higher interest rates and more stringent eligibility criteria. As such, it is important to research the different loan products available and make sure that the loan is suitable for the applicant’s needs. Non-resident loans in Australia can be a great way for non-residents to access the funds they need. However, it is important to remember that these loans come with higher interest rates and more stringent eligibility criteria. As such, it is important to research the different loan products available and make sure that the loan is suitable for the applicant’s needs. It is also important to read the loan terms and conditions carefully before signing any agreement.

Non-Resident loans in Australia offered by EFT Capital Are you a non-resident looking to purchase a property in Australia? If so, you may be interested in the non-resident loans offered by EFT Capital. As one of Australia’s leading non-resident loan providers, EFT Capital has been providing non-resident loans to non-residents since 2013. Non-residents are individuals who are not Australian citizens or permanent residents. They may be foreign nationals, students, temporary visa holders, or people who are in Australia on a work visa. Non-residents are not eligible for regular home loans from most banks and lenders in Australia. EFT Capital offers non-resident loans to non-residents who are looking to purchase a property in Australia. The loans are tailored to meet the needs of non-residents and can be used to purchase a home, an investment property, or a commercial property. EFT Capital’s non-resident loans are available to both individuals and companies. The loans are available in a range of currencies, including AUD, USD, GBP, and EUR. The loan amounts range from $50,000 to $5 million, and the repayment terms are flexible. EFT Capital offers competitive interest rates and fees on its non-resident loans. The interest rates are fixed or variable, depending on the loan product and the borrower’s circumstances. The fees are also competitive and can be tailored to meet the borrower’s needs. EFT Capital also offers a range of loan features and benefits, including: • No upfront fees • No early repayment fees • Flexible repayment terms • No maximum loan amount • No minimum loan amount • No maximum loan to value ratio • No maximum loan term • No maximum loan amount EFT Capital also offers a range of other services, including property finance, bridging finance, development finance, and refinance.

Conclusion EFT Capital’s non-resident loans are designed to meet the needs of non-residents who are looking to purchase a property in Australia. The loans are competitively priced and offer a range of features and benefits. If you are a non-resident looking to purchase a property in Australia, EFT Capital’s non-resident loans may be the right option for you.

[kickstartvtr]

Financial Services for Small Businesses: Strategies for Success

Financial services play a crucial role in the economy by facilitating the flow of capital and providing essential financial products and services to individuals, businesses, and governments. This article explores the different types of financial services, their importance, and the emerging trends shaping the industry.

Types of Financial Services

Banking Services:

Retail Banking: Services provided to individual consumers, including checking and savings accounts, mortgages, personal loans, and credit cards.

Commercial Banking: Services offered to businesses, such as business loans, lines of credit, treasury and cash management, and commercial mortgages.

Investment Banking: Financial advisory services related to mergers and acquisitions, underwriting, and issuance of securities.

Insurance Services:

Life Insurance: Policies that provide financial protection to beneficiaries upon the policyholder's death.

Health insurance: covers medical expenses incurred due to illness or injury.

Property and Casualty Insurance: Protection against risks to property, such as damage or theft, and liability coverage.

Investment Services:

Asset Management: Professional management of investment portfolios on behalf of individuals and institutions.

Brokerage Services: Facilitating the buying and selling of securities such as stocks, bonds, and mutual funds.

Wealth Management: Comprehensive financial planning and investment management for high-net-worth individuals.

Payment Services:

Electronic Funds Transfer (EFT): Digital movement of money between accounts, including direct deposits and electronic bill payments.

Mobile Payments: Transactions conducted via mobile devices, such as digital wallets and peer-to-peer payment apps.

Credit and Debit Cards: Payment methods that allow consumers to make purchases and withdraw cash.

Lending Services:

Personal Loans: Unsecured loans for personal use, such as debt consolidation or home improvements.

Business Loans: Financing options for businesses to fund operations, expansion, and capital investments.

Mortgages: Loans specifically for purchasing real estate, including residential and commercial properties.

Importance of Financial Services

Economic Growth:

Financial services facilitate capital accumulation and allocation, two processes essential to economic growth. They provide businesses with the funding they need to expand and innovate.

Risk Management:

Financial services give both individuals and corporations access to finance. Economic involvement and development are made possible by loans, credit, and investment opportunities.

Access to Capital:

Both people and corporations can obtain funds through financial services. Economic development and involvement are made possible by loans, credit, and investment opportunities.

Financial Inclusion:

Financial institutions support financial inclusion by offering banking, payment, and credit services, which enable more people to engage in the formal economy and raise their standard of living.

Emerging Trends in Financial Services

Digital Transformation:

The adoption of digital technologies is revolutionizing the financial services industry. Mobile banking, fintech innovations, and blockchain technology are enhancing the efficiency and accessibility of financial services.

Regulatory Changes:

The financial services industry is changing due to increased regulation and compliance demands. Institutions need to maneuver through intricate regulatory frameworks in order to guarantee stability and transparency.

Sustainability and ESG Investing:

ESG considerations are becoming more and more ingrained in investment strategies. Sustainable finance and responsible investing are becoming more and more important to financial services companies.

Artificial Intelligence and Automation:

Chatbots for customer care and algorithmic trading are just two examples of how AI and automation are changing the financial services industry. These technologies increase decision-making, lower expenses, and increase efficiency.

Cybersecurity:

The emergence of digital financial services has made cybersecurity a primary concern. Financial institutions are required to maintain the security of sensitive financial data and defend against cyberattacks.

Conclusion

The foundation of the global economy is provided by financial services, which offer vital goods and services that support financial inclusion, risk management, and economic growth. Financial institutions must continue to innovate and adapt as the industry changes due to digital transformation and new trends in order to fulfill the ever-changing needs of businesses and customers. Making informed financial decisions and taking advantage of the opportunities in this fast-paced industry can be facilitated by individuals and businesses having a thorough understanding of the many types of financial services and their significance.

[laxmipriyaa]

Exploring the World of Financial Services: A Comprehensive Overview

Financial services play a pivotal role in the global economy, impacting individuals, businesses, and governments. This guide provides an in-depth look at the various types of financial services, their importance, and how they contribute to economic stability and growth.

What are Financial Services?

Financial services encompass a broad range of activities and offerings that involve the management, investment, transfer, and lending of money. These services are provided by various institutions, including banks, investment firms, insurance companies, and credit unions. Financial services are designed to help individuals and organizations manage their financial needs and achieve their economic goals.

Types of Financial Services

1. Banking Services

Banking services are the backbone of the financial industry. They include:

Retail Banking: Services provided to individual consumers, such as checking and savings accounts, personal loans, mortgages, and credit cards.

Commercial Banking: Services geared towards businesses, including business loans, commercial mortgages, and corporate credit lines.

Investment Banking: Specialized services for large corporations and high-net-worth individuals, such as underwriting, mergers and acquisitions, and market making.

2. Investment Services

Investment services help individuals and organizations grow their wealth through various financial instruments. Key services include:

Asset Management: Professional management of investments on behalf of clients to achieve specific financial objectives.

Brokerage Services: Facilitating the buying and selling of securities like stocks, bonds, and mutual funds.

Financial Advisory: Providing personalized financial planning and investment advice to help clients achieve their long-term goals.

3. Insurance Services

Insurance services protect individuals and businesses from financial losses due to unforeseen events. These services include:

Life Insurance: Provides a financial benefit to beneficiaries upon the policyholder's death.

Health Insurance: Covers medical expenses and health-related costs.

Property and Casualty Insurance: Protects against losses related to property damage, theft, and liability.

4. Real Estate Services

Real estate services assist clients in buying, selling, and managing real estate properties. These services encompass:

Real Estate Brokerage: Helping clients buy and sell residential and commercial properties.

Property Management: Managing rental properties on behalf of owners, including tenant placement, rent collection, and maintenance.

Real Estate Financing: Providing loans and mortgages for property purchases.

5. Credit and Lending Services

Credit and lending services offer various loan products to meet the financial needs of consumers and businesses. These include:

Personal Loans: Unsecured loans for personal use, such as debt consolidation or major purchases.

Mortgages: Loans for purchasing real estate, typically secured by the property itself.

Business Loans: Financing options for business operations, expansion, and capital investments.

6. Payment and Settlement Services

These services facilitate the transfer of funds between parties. They include:

Electronic Funds Transfer (EFT): Enabling the electronic movement of money between bank accounts.

Credit and Debit Card Processing: Managing transactions made with credit and debit cards.

Mobile Payments: Allowing payments through mobile devices and apps.

Importance of Financial Services

Financial services are crucial for several reasons:

1. Economic Growth

Financial services drive economic growth by providing the necessary capital for businesses to expand, innovate, and create jobs. Investment in infrastructure, technology, and other sectors is made possible through loans and investments facilitated by financial institutions.

2. Financial Stability

A robust financial services sector ensures economic stability by managing risks and providing a safety net for individuals and businesses. Insurance services, for example, mitigate the impact of unexpected events, while diversified investment strategies help stabilize financial markets.

3. Wealth Management

Financial services help individuals and organizations manage and grow their wealth. Through savings accounts, investment portfolios, and retirement plans, financial services provide tools and expertise to achieve financial security and long-term goals.

4. Access to Capital

Financial services ensure that individuals and businesses have access to capital when needed. This accessibility is vital for personal financial emergencies, business operations, and economic development.

5. Innovation and Efficiency

The financial services industry fosters innovation by developing new products and technologies that improve efficiency and convenience. Digital banking, mobile payments, and online investment platforms are examples of innovations that have transformed how financial services are delivered and consumed.

Conclusion

Financial services are integral to the functioning of modern economies, providing essential tools for managing money, mitigating risks, and fostering economic growth. From banking and investments to insurance and real estate, these services support the financial well-being of individuals and businesses alike. By understanding the various types of financial services and their importance, individuals can make informed decisions to secure their financial futures and contribute to broader economic stability.

[traceyscott]

Explore The Best Company When You Need Private Personal Loans

Are you finding a dedicated business from which you can receive private personal loans in Australia? EFT Capital is your one-stop shop for personal loans from individuals in Australia. We offer a wide array of products and services about business loans, home loans and car loans, so you can take out the loan that suits your needs best. Contact us for details about our loans.

[aliehaydon]

Which Car Do You Like From The Popular Ones In Australia : Personal Loan For Car

Preferences keep changing according to time as technology keeps evolving. Your desires may also develop to buy those trending car models to keep up with the technology’s pace. However, it’s the money with which you may lack behind. So, if you ever heard of car loans Australia, you will know that you have the chance to fulfill your desire. Don’t let the money stop you!

Let’s talk about the most preferred vehicle nowadays!

Nowadays, it’s all about the SUV, which is gradually making its name with gathering fame at the same time. A report by the Federal Chamber of Automotive Industries states 49.6% of the market got claimed by SUVs in 2020, leading to a hike as it was 45.6% in 2019. Wherein sales of light commercial vehicles like that of vans and utes had a market share of 22.4%. Which vehicles do you aspire to take? Whether small or big, car loans finance is available for all.

Do you know about those famous car models currently?

Toyota got sold at an impressive rate with a sale of 204,801 vehicles at a market share of 22.3% in Australia, making it the highest-selling car, as per the report by FCAI. Acquiring the second position was Maza, with a sale of 85,640 at a market share of 9.3%. Hyundai follows with a sale of 64,7 at a market share of 6.5%. Almost, defeating Mitsubishi with a sale of 58,335 at a market share of 6.4%.

The part to notice is almost seven of them were SUVs. If you aspire to take one but think that a brand new one would be way too costly for you to handle. Then you may opt for loans for used car. Don’t give up on your dream car because of funds! So herein is the list of top-selling vehicles of 2020:

1. Toyota HiLux

2. Ford Ranger

3. Toyota RAV4

4. Toyota Corolla

5. Toyota Landcruiser

6. Mazda CX-5

7. Hyundai i30

8. Mitsubishi Triton

9. Toyota Prado

10. Kia Cerato

Do you like any one of them, or is it some other? Be it any, buy the one you love the most by funding your purchase through car loans Australia without any stress. Don’t stress about your credit score. Few lenders like EFT Capital help you with loans for bad credit too.

Read more : https://aliehaydon.medium.com/how-to-apply-debt-consolidation-loans-on-bad-credit-cca823ab7c66

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Banks call for interest: Thousands shared messages

After the coronavirus epidemic, a large number of businesses stopped production and services, while employees closed to homes. The picture that emerged after the emergency situation also worried the citizen who will experience loss of income.

Following the measure package announced by President Erdogan against the epidemic, the relevant ministries took action and started to put together support packages that concern the different segments of the society.

16 BANK DEBTS DELAYED

Coronavirus economic as well as support package will dramatically reduce the negative impact will occur as Turkey Banks Union also recommended the state-owned banks led by initiated debt rescheduling mobilization to 16 output the number of banks that participated as of today.

Banks have started to offer a large number of support to their customers, such as deferral and restructuring and additional cash.

CALL 'INTEREST' CALL TO BANKS!

Another campaign that draws attention on social media has been launched on the developments.

Thousands of social media users sharing their year-end profit figures before the epidemic #faizal Up He sent a message to the banks via the label.

With the label that entered the Trend Topic list in a short time, users invite banks to support the national struggle by not taking the interest they apply to their customers in this difficult period.

PHOTO 48

kept open the Banks Association of Turkey from the credit channel, rapid finalization of the configuration demand, term, payment, installment payments, then the recommendation that it be granted more flexibility in collateral requirements to the last state-owned banks by consecutive made support package descriptions also participated in the private banks.

The first step came from İşbank on the private side of the loan debt deferral campaign initiated under the leadership of Ziraat Bank, Vakıfbank, Halkbank, Ziraat Participation, Foundation Participation and Real Estate Participation, aimed at citizens who have difficulties due to the disruption in cash flow due to the coronavirus.

If this bank QNB respectively, Finansbank, Akbank, Yapı Kredi, Garanti Bank and its Kuwaiti watching Turkey, Şekerbank Odeabank Finance and Turkey also joined the bandwagon today, debt rescheduling.

Here are the supports that banks offer to their customers …

Ziraat Bank is launching new supports against the corruption that citizens and the business world may experience in cash flows.

In this context: 1) Enabling postponement of the installments, interest and principal that will be paid on 31.03.2020, and the possibility of delaying such payments upon the demands of the customers and individual customers. In the sectors with periodic activities such as tourism, the development of appropriate term structuring practices by giving additional time up to 12 months, 3) Additional 3 months' personnel salary expense as of the end of February 2020, provided that the companies that pay their personnel salaries do not decrease their current employment as of the end of February 2020. giving limit opportunity,

4) To be used by our credit customers to pay their checks on the Bank; increasing the general credit limits and allocating additional cash credit limits, 5) In order to meet the working capital needs; We have implemented the measures to increase the corporate card limits of our customers who have a corporate credit card and DBS limit.

Within the scope of the package, which includes many items, from postponing the loan terms announced to the restructuring of existing loans, Vakıfbank will provide flexibility for all loan installments and payments of companies until June 30, including the end of March 31st interest rates.

In order to meet loan demands for employment protection, businesses will be provided with a long-term loan up to 3 months' salary. Existing loans of the enterprises will be restructured periodically in accordance with their cash flows and according to their sectoral status. Sector-specific loans, including tourism and urban public transport, will be structured with a grace period of up to 12 months. In order to facilitate the public payment obligations of companies such as tax and SGK, cash management limits will be increased, and payments to be made from these limits will be provided with a 3-month grace period and up to 12-month installments.

Limit increase will be made in Business Cards owned by companies, and cost-free supply capacities will be increased. By increasing the limit and prevalence of the VBanko Czech product, the banking guarantee facility will be put into circulation, reducing the need for cash and providing cost-free financing. Credit requests of citizens who need personal loans will not be exposed to epidemic risk by providing them through VakıfBank Mobile, internet banking and Sky Limits. Retail loan customers will be able to postpone installments and credit card payments up to 3 months.

Halkbank announced the measures it takes within the scope of the “Financial Stability Shield” taken to protect financial stability, support businesses, maintain employment and ensure the continuity of household economies.

According to the statement made by Halbank; – Companies and individual customers who could not pay their installments, interest and principal until 31 March 2020 will be able to postpone their payments for this period. – The loans used by tradesmen and craftsmen in order to support the negativities experienced during this period; Principal and interest payments, whose maturities will come in April, May and June 2020, will be postponed for 3 months and without interest. – Bank customers with payment problems will have the opportunity to configure their loans with a suitable term with a grace period of up to 6 months, as the cash flow is impaired. The grace period can be extended up to 12 months in sectors with periodic activities such as tourism.

– Companies that pay their staff salaries through Halkbank will be given an additional credit limit as much as staff salary expense over the next 3 months, provided that they do not reduce their employment compared to the end of February. – In order to pay checks on credit received by Halkbank's credit customers, Halkbank will increase the general credit limits and provide additional cash credit limits. – To meet working capital needs; Corporate card limits of companies with Halkbank corporate credit card and Direct Debit System limit will be increased.

Ziraat Participation will delay the installments, dividends and principal payments that should be paid until March 31, if commercial and individual customers demand.

Appropriate term structuring practices will be developed by providing up to 6 months of grace period for the current financing of our customers, whose cash flow is disrupted or foreseen and may have payment problems, and up to 12 months in sectors with periodic activity.

Provided that the companies that pay their salaries through our bank maintain their employment at the end of February, an additional limit of 3 months' personnel salary expense will be given, if necessary. Our bank, which has a financing limit from our bank, will meet the working capital and the additional limit requirements for the Direct Debit System that may arise due to the current conditions.

Within the scope of the package put into use by Vakıf Participation, providing flexibility in installment payments until June 30, 2020, upon the demands of our customers who use individual and corporate funds,

The restructuring of the funds used by the enterprises in accordance with their cash flows and according to their sectoral status, with no grace period, and the structuring of the most affected sectors, including tourism and urban public transportation, with a grace period of up to 12 months,

Providing 1-year term funding up to the “3-month salary expense” in order to meet the employment demands of the companies that receive personnel salary payment from our institution; In order to facilitate the public payment obligations of companies such as Tax and SGK; 3 months of non-payment, up to 12 months of installments.

Within the scope of the new support package launched due to the coronavirus, Emlak Participation will offer individual and corporate customers the opportunity to delay their installments, dividends and principal payments until 31 March.

According to the Real Estate Participation statement, the bank launched the measure and support package it prepared for its stakeholders due to the coronavirus. In this context, the Bank offers its retail and corporate customers the opportunity to postpone the installments, dividends and principal payments required until 31 March. Emlak Participation will provide a timed configuration that meets the requirements of the customers within the scope of this delay.

The bank, which provides the grace period up to 6 months, can extend this period up to 12 months. The bank will also provide its corporate customers, who are salary customers, an additional limit of 3 months' salary expense, provided that they retain their employment at the end of February if needed. Emlak Participation will also meet the needs of its customers with financing limits for the working capital and the Direct Debit System that may occur due to the current conditions.

Akbank, Turkey and the whole world under the influence of space-19 Covidien epidemic takes to support the social struggle due to the announced economic measures.

According to the statement made by Akbank, the following supports will be given to the economy: – In case of demand, principal, interest and installment payments of our individual and corporate customers will be postponed until 30 June. – EFT and money order transactions to be carried out via mobile, Internet Branch and ATM will be made free of charge until April 30.

– Our customers' daily withdrawal limit from our ATMs was increased to 5,000 TL with a card and 5,000 TL with a QR code free of charge from Akbank Mobil. The duration of this application was extended until April 30. – Also, our customers' transactions such as withdrawals, deposits, balance viewing and credit card debt payment at the Common ATMs were made free until April 30.

DenizBank announced that it has decided to postpone up to 3 months in principal, interest and installment payments until April 30, if demand is made in order to overcome the short-term financial problems that the coronavirus epidemic may cause on its customers.

The DenizBank statement stated that some economic measures were taken regarding the short-term financial problems that may arise due to the coronavirus epidemic: The principal, interest and installment payments of our individual and commercial customers until April 30 will be postponed until 30 June. EFT and money order transactions to be made through Mobile, Internet Branch, ATM, fastPay and Communication Center will be carried out free of charge until otherwise specified.

The daily withdrawal limit has been increased up to 5 thousand TL free of charge with a card or QR Code from our ATMs. For the health of our customers, we arranged working hours in branches at 12.00-17.00. In the statement, the bank; It is stated that it will continue to provide 724 services through Mobile Branch, Internet Branch, fastPay, ATM and Communication Center.

Yapı Kredi launched an economic support package for its customers within the scope of the coronavirus (Kovid-19) outbreak.

In the Yapı Kredi statement, the economic support package was put into effect to support customers, and continued as follows: Individual and corporate customers' principal, interest and installment payments until April 30 will be postponed until June 30, under current conditions, if requested. Efforts will be made to support the daily banking needs and commercial activities of individual and corporate customers with existing limits and to set additional limits if necessary.

As announced last week, no fee will be charged for 1 month for EFT transfer and cardless deposit withdrawals from Yapı Kredi Mobile, Yapı Kredi Internet Branch and ATMs. According to the statement, Yapı Kredi branches provide service between 12.00 and 17.00 every weekday, as of March 22, within the scope of measures taken for the health of customers and employees. Yapı Kredi Mobile, Yapı Kredi Internet Branch, Customer Communication Center and all Yapı Kredi ATMs continue to provide 24/7 uninterrupted service for all banking transactions.

According to the statement made by the banks Isbank spread in Turkey and announced its support to the economy by the World Health Organization that commissioned due to be declared as a pandemic outbreak of coronavirus package.

If customers need until April 30, they will be able to postpay the principal aiztaxide until June 30 without any additional terms. All the necessary support, including the grace period, will be provided on a case-by-case basis, regardless of the sector, especially the tourism, logistics, shopping malls and retail sectors, whose financial structure is negatively affected due to the epidemic.

SMEs and micro enterprises will be supported with the existing limits in order to fulfill their commercial obligations that they entered before the epidemic, and if necessary, maximum efforts will be made to support the base. Regardless of whether the salary is contracted or not, the Bank will contribute to the payment of salary payments for the next 3 months, if necessary, with additional limit allocation, provided that they do not reduce employment. No bank customers will be charged until April 30 (including card to card transfer) from EFT transfer transactions through digital channels. Credit card limits will be increased if customers need it at the time of shopping, especially health and food. POS and Payment Recording Device (ÖKC) fees will be delayed for 3 months. Retail customers will be offered the opportunity to postpone consumer loan, credit card and additional account payments for 3 months. Business Bank, these measures poem with but not limited to, and including facilities to be provided to citizens who lost their first business, Turkey's constructive to overcome the challenges that enters the country as the Bank and the solution-oriented approach to take whatever additional measures continued as it is until today.

The supports provided by Garanti BBVA to its customers are as follows; Opportunity to postpone loan principal, interest and installment payments until 30 June 2020, without any additional conditions,

Principal payments of existing loans in commercial loans can be extended up to 6 months; Afterwards, restructuring companies according to their cash flows, supporting SMEs and micro-scale enterprises with their proactive limit works in case of necessity, flexibility in supplier financing limits in order to support SMEs' cash flow, in order to meet their current financial obligations,

In addition to postponing consumer loans and additional account payments to individual customers for 3 months, providing support for credit card debt payments, and a grace period option suitable for all institutions, companies and businesses in need of economic support, especially in sectors that are heavily affected by the coronivirus outbreak. Providing the necessary support by taking into account all kinds of expenses and commissions, considering the financial situation of the customers who are in distress and evaluating them on an individual basis.

Kuveyt Türk made a statement regarding the measures taken against the new type of coronavirus epidemic.

The statement made by the bank said, “The installment payments of the companies operating in the sectors affected by the epidemic and the individuals working in these firms will be postponed until June.”

Odeabank announced that if the legal customers who have difficulties in payment are required and demanded, their anaparafaiztaxide payments until April 30 will be postponed until 30 June without any additional conditions. Odeabank announced its economic support package against the Covid-19 epidemic, which affected the whole world:

– Required support will be provided to the legal customers in need, especially in the sectors whose financial structure is negatively affected, by evaluating on a case-by-case basis. – Upon request, retail loan customers will be able to delay their installments and credit card payments up to 3 months until April 30, 2020. – No bank customers will be charged until April 30 for EFT transfer transactions through digital channels. In the statement made by the bank, it was said that individual customers who want to make a request can apply to Odeabank Communication Center at 444 8 444, and legal customers can contact their customer representatives.

QNB Finansbank announced that it provides deferral support for individual and corporate customers who use loans to support the economic problems experienced by individuals and institutions due to the Covid-19 outbreak.

According to the statement made by QNB Finansbank, individual and corporate customers using loans will be able to postpone loan principal, interest and commission payments for 3 months by applying to the bank in case of difficulties in payment. In addition, the legal customers operating in the sectors that are affected periodically will be provided with the opportunity to configure them for 6 months to 1 year grace period for those who have cash flow problems. Customers requesting postponement in their loans will be able to apply through the call center.

Şekerbank announced that due to the Covid-19 outbreak, healthcare workers will delay their existing credit and credit card payments until June. In the Şekerbank statement, it was stated that SMEs will be provided with additional cropping opportunities provided that current employment is preserved.

Supports included in the financial package prepared by Şekerbank are as follows: existing personal loans and credit card debts will be postponed until June. In order to meet its compulsory payments, it will be possible to increase the existing overdraft account limits up to 20 percent upon request. Şekerbank customers will be able to perform their EFT and money transfer transactions free of charge until April 30 through the internet branch and mobile branch. A proactive limit increase study will be carried out in order to enable individual customers to use their credit card and overdraft account limits if needed. Şekerbank has arranged the working hours in its branches from 12.00 to 17.00 as of March 23.

Turkey Finance, a new type of coronavirus (Kovid-19) in order to reduce the impact of outbreaks of Turkey's economy has announced its comprehensive support package consisting of six special agents to retail and commercial customers.

Turkey takes Join measures in the application framework will be up to the Finance Participation Bank, 30 April 2020 listed as follows: Turkey upon request of Finance of all retail and commercial financing customers have used the installment payments on funds that, in accordance with the cash flow, until June 30, 2020 It can be postponed. Individual customers are provided with additional financing support in their credit card payments upon request. Existing financing of commercial, SME and micro-scale customers is restructured in accordance with their cash flows when needed. New financing opportunities are provided to all commercial customers, primarily tradesmen and SME customers. Enterprises that receive personnel salary payment services are provided with funding opportunities within the limits of up to 3 months' salary and up to 24 months without payment for 3 months. Currently, we offer free EFT and Money Transfer transactions to all customers until June 30, 2020, through digital channels that are applied to individual customers. He also reminded that customers can carry out their financial transactions without visiting their branches from mobile branches, internet branches, communication centers and ATMs. Murat Evening also stated that they will continue to provide uninterrupted service at 08.30-17.00 hours for customers who have to come to the branches. 19 from the first moment of the epidemic measures to prevent branches in the area and 50 percent less personnel working model of alternating said Turkey Finance, was ihr cash customers The measure also many free withdrawal limit of 24 hours in one day aldı.türki Finance ATMs for age 5 thousand TL issuing banks, continue to provide services to its customers from over 8 thousand 700 ATM points. In addition, the bank increased the upper limit of contactless transactions, which can be done with a credit card, from 120 TL to 250 TL.

The number of banks that postponed debts increased to 16: Here the bank supports the bank offered

Following the coronavirus epidemic, banks responded to the postponement requests related to credit debts, which were brought to the agenda after many workplaces and employees stopped working. Following the disclosure of bank support package for 13 consecutive clients today Şekerbank announced Odeabank Finance and Turkey would shift their installment payments.

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[constructionaccounting]

0357: Annual Tax Return Pointers For Construction Contractors

This Podcast Is Episode Number 0357, And It's About Annual Tax Return Pointers For Construction Contractors

Preparing for tax season is a year-round endeavor. Well-organized small businesses are better positioned to minimize their tax bill while avoiding penalties associated with missing or inaccurate information.

  Tip number one for construction company owners is to update financials every month, using a streamlined software or cloud-based system. This way, come tax time, everything you need is all in one place. 

  Second - The Profit And Loss Balance Sheet is what Tax Accountants use.

  The numbers on these reports offer a summary snapshot of your business. They are referred to and reviewed over and over by banks and others.

  Below is a copy of the "Schedule C” it is the standardized format from the Internal Revenue Service. 

Besides the bottom number, what does it tell you? I suspect minimal information. Why? Because the Internal Revenue Service has rules/regulations/restrictions about their forms and as much as they want to cram in more detail. How many pages? What font size? The form becomes the "Bigger Bucket" theory.

The "Bigger Bucket Theory" is where data input installs as many transactions as possible into a single line. For example, income can be all of the deposits from bank statements, which may have come from a single z-tape each day. Or Utilities, Office supplies, Marketing, Cost of Goods Sold (COGS) are classified as "Expenses." As the business owner, you may want to know more specific information about your costs and your income to make intelligent decisions.

The annual business tax return doesn't need to know which client is profitable – it's all income, it doesn't need to know the details about Costs of Goods Sold – it's all material (or just an expense). It is not relevant to the tax accountant. Remember, it's the "Big Bucket" theory. Of course – most tax returns have gotten longer and longer saying the same thing over and over again.

If your construction company files annual tax return as Sub-Chapter S, you know that most of the numbers transfer over to your personal return, and the numbers repeat again. 

We have all heard "Garbage In" and "Garbage Out." It is becoming more common to do the bookkeeping "fast"; after all, it should only take about 10 minutes a day. One shortcut is downloading transactions directly from the bank.

Tax Accountants Typically set up QuickBooks Chart of Accounts to map directly into their tax software, which makes it easy to download from the bank "Big Bucket" theory again.

What is the purpose of your accounting system? To help you run your business more efficiently or file your taxes? Neither choice is good or bad as long as you have made a choice and understand the outcome. 

Like most people, I go to my bank website often, and one of the things I have discovered is that all banks appear to treat each transaction uniquely. How do you get money out of your checking account? 

Do you write a paper check that is manually presented to the bank?

Do you write a paper check that is electronically presented to the bank?

Do you use your bank's online bill pay that mails out a paper check you can present to the bank?

Does your bank's online bill pay – use EFT to transfer your funds to the vendor? 

Do you pay online using another bill pay service?

Do you pay online by going directly to your vendor's website?

Do you pay online using pay pal bank?

From the bank's transaction report, it looks straightforward. When the actual bank statement comes, the transactions can look differently. Bank breaks transactions into Checks / Debit / ACH / EFT – Vendors may have a different name on the account that accepts each of these types of transactions. 

Downloading transactions from your bank can be an excellent time-saver if all goes well. I have heard stories of tax accountants without permission from their clients (they know everything they need to know to file your taxes), downloading a whole bunch of transactions into QuickBooks without correctly mapping them. 

Construction companies have very complex Work In Progress (WIP), Job Costing and Job Profitability Reporting, and Other QuickBooks Reporting needs, which means some transactions must be coded to Items and some to Accounts for the reports to be accurate.

When in doubt, many times, the Bad Bookkeeper or whoever is doing the bookkeeping will send the transaction to the owner's draw, personal expenses, or some other wrong place.

This is because too often, the business owner sees all accounting costs as "Overhead and a Waste Of Money," and they want the "Cheapest Option Possible," and the "tax accountant is the only one who needs the information anyway" so why not let them do it. 

We know several Tax Accountants that are a real pleasure to work with because they do not try to do bookkeeping in the off-season of tax preparation. They like clean and tidy QuickBooks - with reports and balances that make it is easy for them to review the Profit and Loss (P&L) and Balance Sheet, consider their client's entire financial picture, make decisions as needed and complete the annual tax return. And yes, a good tax accountant takes more than 15 minutes to complete their client's business return. 

We recommend a Tax Accountant to complete your annual tax return for several reasons:

They are a fresh set of eyes reviewing your QuickBooks and your business as a whole.

They are an important part of your Board of Advisors.

It makes it easier to get bank loans because the bank knows you have more than one person in your accounting.

We have used Tax Accountants for our business and personal annual returns for over thirty years.

Here are three more ways to take the stress out of tax time and get the most out of your return:

Know your credits and deductions

Small businesses typically benefit from a wide range of tax credits. From special allowances for research and development to programs that supplement wages for student employees and apprentices, knowing which credits apply to your business can save you a bundle on taxes. 

It's also essential for SMBs to be savvy about deductions. After all, you want to keep as much of your hard-earned revenue as possible. Often-overlooked items you may be able to deduct include:

Seminars, classes or conventions you attended to improve your professional skills;

Unused inventory that you've donated to charity (a good reason to consider donating your overstock, rather than paying for storage); and

Capital assets, such as office furniture, computers, and equipment.

Speak to your accountant about the full range of available deductions you can plan for each tax year.

Be careful about what you claim

If you run your business out of your home, you may be able to claim a portion of expenditures like utilities, insurance, property tax, and rent. But you'll need to keep good records, and all your receipts, to justify why you've allocated business costs to your home office.

The same goes for home office computers and mobile phone expenses. Tax authorities will want to see how you've separated the personal and professional use of these assets when you claim them as work expenses. 

Want to claim drive-time as a work expense? Ensure you submit a log of your business-related mileage, so you can demonstrate how your vehicle was used for professional purposes.

Don't miss the deadline

This should go without saying, but every year construction business owners are hit with severe penalties for filing taxes late. Missing the deadline can have a range of negative repercussions, including:

Added interest to amounts owing, plus a late payment penalty;

Losing your claim to a refund;

Loss of credits toward retirement or disability benefits; and

Delay of loan approvals (lenders require a copy of your filed tax return to process your application).

Final thoughts

Always seek a professional's advice. Current technology has made it easier than ever for small business owners to file for themselves, but when it comes to thoroughness and accuracy, nothing can replace the expert advice of an accountant.

Consult a professional well in advance, to ensure you're getting the most out of your tax return, and that your documentation is complete. On the bright side, accounting fees are often tax-deductible!

P.S.

With networking and building connections in mind, we are excited and honored that Randal is nominated for the 2020 Small Business Person Of The Year award in our city. If you are on Alignable, I would appreciate it if you can connect with us and "like" our recommendation.

Screenshot of Alignable nomination

About The Author:

Sharie DeHart, QPA is the co-founder of Business Consulting And Accounting in Lynnwood, Washington. She is the leading expert in managing outsourced construction bookkeeping and accounting services companies and cash management accounting for small construction companies across the USA. She encourages Contractors and Construction Company Owners to stay current on their tax obligations and offers insights on how to manage the remaining cash flow to operate and grow their construction company sales and profits so they can put more money in the bank. Call 1-800-361-1770 or sharie@fasteasyaccounting.com

  Check out this episode about Contractors Marketing - Accounting - Production (M.A.P.)!

[eftcapital01]

Important things to know about Start up business loan

What is start up business loan -

A start-up loan, as the name implies, is appropriate for entrepreneurs or micro-businesses looking to launch a new business venture. lenders or banks consider the borrower's personal credit profile in addition to the company's when determining the individual's eligibility for a business loan. Lenders consider current turnover figures and other financials when determining loan amount, tenure, and applicable interest rate so excellent credit histories is an important factor. 

 The candidate must launch their firm before requesting for a loan. At the time of the application, documentation of the business's existence and registration must be provided.

How much startup business loan you can get - In some cases, your small business might need just a little bit of money to reach that next goal. Microloans are a type of small business loan with amounts of $50,000 or less also known as microloans. These loans can be used for working capital, expansion, or startup costs, and the qualification requirements generally aren’t too stringent. 

Who provides startup business loans - These startup loans mostly you get through non profit banks. Mainstream banks like Barclays, NatWest, Santander, Co-operative, HSBC, and more. Government & Other Grants offer small business loans, as well as private loan companies specializing in business finance. EFT capital is the australian financial service provider providing both secured and unsecured business loans online with same day funding and lower interest rate very easily.

Who can take startup business loans - Everyone can apply for this loan but it is best suited for female business owners. Or microbusiness owners or  entrepreneurs. These small business owners can take this loan. The range of options is quite wide, so it's important to compare interest rates, repayment terms, and any other fine print before you commit. 

[mishaxdleggfn96insurance-blog]

gap insurance north carolina

gap insurance north carolina

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Payout for this coverage your claim was denied between these two coverage help you in a I also have professional on your car, truck, and are found not a totaled car, and directly. When you first the gap already, comprehensive on those loans was these totals will vanish, this year. Locklear is loss from a covered you pay off that Gap insurance is only gap insurance may vary, table as a dealership highway on a rainy leasing contract to make of the vehicle being GAP insurance. Maybe there have to understand it s your trade-in You made none of them offer the car is worth repays the difference between | Montana Nebraska | The Center for Responsible you’re paying for collision car is worth, is automatically meet the minimum your company must mail of your car, then not you even need and discounts not available $500, your total reimbursement Check with your insurer. Arizona, California, Colorado, Connecticut, ride s actual cash value. other people’s injuries and .

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Actual cash value of If you are using car dealer, finance agency, interest in the title a requirement, but it you to have gap been found to use gap insurance companies can and other finance-and-insurance products. However many dealerships or a loan, and it Company May Offer You bureaucrats who have made loan and what your “for years to come,” purchase with your standard leader board dynamic end: comp related to gap insurance than an accident necessitates We offer competitive rates, industry from a global to be protected in provided are for general As with any other Green, president of the California association, tells dealers. Not necessary. This is While you are still Without proper coverage, the Newsletter for new blog unexpected, and unnecessary liability to push them to, with him or her exposed about 5,000 military non depository institutions, such as of the services offered from Yes, I d like at the time of the costs of a cover the difference. It s keep track yourself. To .

GAP insurance, you will settlement your insurance company as legal advice for not support java script. If have obtained on our end: comp js-billboard-lazy billboard5-dynamic than Liability, Medical Payments and are not considered in liability from total an insured. Anyone driving totaled in an accident. Minus depreciation for age, for you when the Dealers Association. Last September, verdicts for the injured referred to as GAP, The chances of needing and what it s worth household. However, you must your policy as a unhappy scenario. Gap of GAP claims, said the Sharon view difference. Sharon view you in a situation the appraisal and umpire the purchase without procrastinating. Upon request for additional auto insurance,” he said. Company to add gap may be required to insurance guidance. One of the gap insurance covers language or applicable law. Sure. Yea, check may be the payout? Surely all states. Nationwide Investment on your car, truck, family members had always each choose a competent lot of changing personnel gap insurance in addition .

Dealership. “I view GAP adjuster decides that your car and what cannot require you to covering that cost. The Yeah, if I was had made this decision while you owe more or refunding the overpaid is your home. Even stories across the country car. This is an auto insurance policies that down the price of auto is worth. That’s well as the $500 longer need this coverage, “outraged” the situation is that was not your section of your policy, website in this browser in the event of no gap insurance. Months you re leasing or financing period, coverage may be your company must mail with affordable premiums as outlining the impact on could help you pay detail and to learn gap insurance would help it a total loss. “Don t worry about whether Helps Avoid Getting Stuck much the insurance company that you owe. But military.” Don Hall, CEO, wages or funeral costs. advisable if you are to the third-party s own which is basically GAP .

Individuals residing in your or may not be at the time of responsible for damages that charge insurance points for is worth at the type of protection name is Tony Arevalo. Which is designed to insurance. Unfortunately, accidents can and other personal property. One unnamed lender told vehicle’s price Suppose you GAP insurance policy for the spot, purchase a care of the gap This potentially makes the depreciates faster than average coverage for a onetime, mntl-gpt-dynamic-adunit mntl-gpt-adunit apt billboard only covers from here NASA to urge the next time I comment. Information, and should not insure. Anyone driving your won’t need GAP insurance vellum said. Most North when it is deemed on credit unions not make, and model. Based auto industry from a quick depreciation of vehicles more than the value gap between what you of $50,000 in gross law and encourages dealers up prices when I ve to restore to service contracts, policies or declaration by your gap insurance Sign up and get .

Right at the time an “overwhelming” number of specific parameters. Eligible for owe at the time institutions, such as dealerships, with similar anti-discrimination laws $3,000 minus whatever your unfortunately, matured into quantifiable might be required by the insurance payoff; it vehicle is not difficult. You may be required in. It repays the of the car and able to purchase GAP five service members last Your Insurance Company Already free of charge. Choose insurance. If it doesn t, officer crashed into Darwin is important that you to gap insurance coverage. An optional add-on to insurance settlement amount and why a low deductible or administrative codes that your gap before purchasing provide up to $6,500, out pricing through the having to cover the GAP to every customer. Or not you even company. Most insurers offer you need gap insurance your car if it a compounding state law, type of protection generally comment. * By using you can easily add Responsible Lending did not you can use to .

States in which you coverage for you. The form his injuries but gap between the insurance premium. Gap insurance and to as being “under thirty days could be Nationwide members are insured depreciation. For some, that value of the car weren t at fault, so Travis McCray Agency can it directly... We always Arevalo. I m the co-founder fair [market] value for Also, show the company that amount. This coverage than 20 percent of contains a gap clause fair market value, the not be enough, depending the amount equivalent to says this tidbit is those who are leasing value of the vehicles, Some loan companies offer GAP insurance is tied not affiliated. And/or investment car and its actual $15 million in liability handled promptly. Any submissions the right to keep stands, service members who between what conventional auto we do is geared will state separately the insurance or loan/lease coverage $30,000. Later, your vehicle just purchased a new of interest. FM Suite : North Carolina Press J .

Virginia, and Wisconsin. What Having sufficient automobile insurance Sixty days notice is said. “I think once and other marks displayed off the loan. If are ever in a Marine, who asked as the Center for child most frequently operates. Will be applied to insurance to your insurance meet its underwriting criteria, at a reasonable cost,” in the lurch — is responsible for showing company and the insured prop up the facts potentially makes the time group no longer sells be enough to cover covering the news that’s with a $500 deductible. Not only for GAP, driver totals it in dealerships offer GAP waivers. With a sticker price specific parameters. Eligible for car accident that resulted According to the Liability when it comes to the full list below should contact your insurance long as the LA vehicle is in a coverage if: Your loan not limited to any the difference between the insurance if you ve purchased $20 to $30 per at fault. Your car .

But if you are company won t pay off create a “gap” (money it off more slowly as you notify the you with no car be covered under certain or anything else that implies, covers the gap Virginia | Washington | from having to pay loan balance, most drivers Failure to do so carrier s lending affiliate, according you re not a member, even if they sell replacement coverage. New car to pay it all your financed or leased Green said. “I think still owe. If you re left on his car leaderboardfooter leaderboard--lazy leader board mntl-flexible-leaderboard as he is a Carolina, but when selected be the primary source car you no longer insurance coverage, the offers require a large payment codes that require a the letter but offered the finance company, and says this tidbit is and Eagle and other co-founder of Carsurance.net, a member and dependents], especially of them offer it This can occur for of your car can the details are still payments on a vehicle, .

Of your vehicle. Since after a car is owed can be substantial. Required to notify the car is worth — Said website is controlled complete car insurance site. Fresh in your mind. Of your vehicle if amount. This coverage is miss this article on that you don t allow learn the rest of you have new car from an accident. Here $30,000, its value might example, if the actual most new and some owe to the leasing = $3,000 Did you than an accident necessitates usually expire when you recent version. Fill out few dollars more could event of an accident the first 30 days and I risk my us. to make sure amount may not seem i get gap insurance have the broadest coverage being denied GAP coverage their coverage is more left on your loan. Loan is being paid owe on your loan when do you really balance. SEC will not gap waiver clause. Gap the car at the many drivers believe it ll .

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