For good credit will have to pay

Banks Finansy05-12-2008 For good credit will have to pay the Russians, who took a loan up to the height of the financial crisis, was lucky to get much lower interest rates than those who take a loan now. Today, however, the State may "ask to share" percentage of profits. Another year or two ago, the Russians could get a loan for housing or car at rates 9-12% per annum. But, even if they are lucky enough to get a credit agreement with a rigidly fixed rate, they can expect disappointment in the tax office. All a matter of law, imposes a tax on profits from the loan received under a rate lower than the refinance rate of the Russian Central Bank. In connection with the recent increases in this rate to 13%, pressing question: What makes a person who has received credit to all the increases in this rate? Banks are confident that in this situation before the tax inspectorate is responsible by the client. According to Article 212 of the Tax Code, tax-exempt "the excess of interest on borrowed (credit) funds denominated in rubles, calculated on the basis of three-quarters of the current refinancing rate set by the CBR on the date of actual receipt by the taxpayer of income over the amount of interest, calculated on the basis contractual terms. "