Peru Mortgages

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PERU

Hipotecas disponibles:

Hipotecas Inmobiliarias hasta 20 anos
Bancos y & Normas: Banco Continental http://www.peruhoo.com

Documentación Básica
Adjuntar a la Solicitud de Préstamo debidamente cubierta y firmada lo siguiente:
Documentos de identidad del solicitante y cónyuge.
Recibo de luz, agua o teléfono fijo.
Autovaluo / Impuesto al Valor Patrimonial Predial.

Adicionalmente se presentará según sea el caso:

Trabajador Dependiente:
Boleta de Pago de los últimos tres meses (solicitante y cónyuge).

Trabajador Independiente:
Profesional:
Copia del Registro Único del Contribuyente (RUC).
Recibo por Honorarios Profesionales de los últimos tres meses.
Declaración Jurada de Renta de Cuarta Categoría de los dos últimos años.

Comerciante:
Copia del Registro Único del Contribuyente (RUC).
Copia de tres últimos pagos por IGV a la Sunat.
Declaración Jurada del Impuesto a la Renta de la Empresa.

Además de la documentación antes indicada, se deberá presentar la siguiente documentación técnica para la formalización de la garantía hipotecaria:
Certificado Registral Inmobiliario (CRI) o Certificado de Gravámen, con fecha no mayor a una semana.
Comprobante de pago del Impuesto Predial cancelado de todo el ejercicio en curso.
Hoja Resúmen (HR) y Declaración Jurada de Autovalúo (PU).

En el caso de los vendedores:

Si se trata de personas naturales, documentos de identidad.
Si se trata de personas jurídicas, acta de Sesión de Directorio o Junta General de Accionistas en el que se faculte al apoderado(s) a vender el inmueble, Copia Literal actualizada de la Ficha o Partida Registral de la empresa, Estatuto Social de la empresa, Vigencia de Poder de los representantes de la empresa y documentos de identidad de éstos.

Tasas de Interes: A pedido
Otros Honorarios/Impuestos: A pedido

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Foreclosure List Mortgage Updates:
What Are Auditors?

What Are Auditors?

Accountants and auditors help to ensure that the Nation's firms are run efficiently, its public records kept accurately, and its taxes paid properly and on time. They perform these vital functions by offering an increasingly wide array of business and accounting services, including public, management, and government accounting, as well as internal auditing, to their clients. Beyond carrying out the fundamental tasks of the occupation-preparing, analyzing, and verifying financial documents in order to provide information to clients-many accountants now are required to possess a wide range of knowledge and skills. Accountants and auditors are broadening the services they offer to include budget analysis, financial and investment planning, information technology consulting, and limited legal services.

Specific job duties vary widely among the four major fields of accounting: public, management, and government accounting and internal auditing.

Internal auditors verify the accuracy of their organization's internal records and check for mismanagement, waste, or fraud. Internal auditing is an increasingly important area of accounting and auditing. Internal auditors examine and evaluate their firms' financial and information systems, management procedures, and internal controls to ensure that records are accurate and controls are adequate to protect against fraud and waste. They also review company operations, evaluating their efficiency, effectiveness, and compliance with corporate policies and procedures, laws, and government regulations. There are many types of highly specialized auditors, such as electronic data-processing, environmental, engineering, legal, insurance premium, bank, and health care auditors. As computer systems make information timelier, internal auditors help managers to base their decisions on actual data, rather than personal observation. Internal auditors also may recommend controls for their organization's computer system, to ensure the reliability of the system and the integrity of the data.

Government accountants and auditors work in the public sector, maintaining and examining the records of government agencies and auditing private businesses and individuals whose activities are subject to government regulations or taxation. Accountants employed by Federal, State, and local governments guarantee that revenues are received and expenditures are made in accordance with laws and regulations. Those employed by the Federal Government may work as Internal Revenue Service agents or in financial management, financial institution examination, or budget analysis and administration.

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