Renovierungskredit aufnehmen und loslegen!

Posted on June 13, 2018June 27, 2018 by Bryan Gage

Kreditvergleich

Verivox

Kundenbewertung 24.05.2018 um 15:29 Uhr Man bekommt so günstige Preise die man sonst nicht erreichen würde. Bei Problemen steht Verivos zur Seite und der Wechsel ist wirklich sehr unkompliziert
Verivox

Kundenbewertung 24.05.2018 um 06:59 Uhr Benutzt Verivox….und ihr könnt Geld sparen.
Verivox

Kundenbewertung 23.05.2018 um 18:02 Uhr Der gewünschte Wechsel des Gaslieferungen lief schnell und problemlos. Die angebotenen Hilfsmittel, wie z. B. Gasrechner, haben zu dem schnellen Wechsel beigetragen. Die Bestätigung des neuen Lieferanten kam sehr zügig.
Verivox

Kundenbewertung 22.05.2018 um 09:44 Uhr Alles war ok. Der Gasanbieterwechsel lief reibungslos. Leider rief man mich zu Hause an, um mir weitere Verivox-Produkte aufzuschwatzen. Das fand ich nicht schön.
Verivox

Kundenbewertung 21.05.2018 um 16:30 Uhr Der Wechsel dauerte ca. 2 Monate, das lag aber am vorherigen Anbieter der nach einem Jahr den Strompreis um ca. 50 % erhöhen wollte. Das Sonderkündigungsrecht/Kündigung durch den neuen Anbieter wurde nicht akzeptiert, ich musste dann nochmals selber kündigen. Das Ganze war sehr zeitaufwendig bis die Stromanbieter jedesmal antworteten. Durch Verivox gab es keine Verzögerung

Renovierungskredit für den Werterhalt der Immobilie

Bei einem Renovierungskredit handelt es sich um eine besondere Form des Ratenkredits. Im Gegensatz zu einem Immobilienkredit können ihn sowohl Immobilienbesitzer als auch Mieter aufnehmen, da Ratenkredite nicht durch einen Grundbucheintrag abgesichert werden müssen. Renovierungskredite werden üblicherweise zweckgebunden vergeben. Das bedeutet: Der Kredit darf ausschließlich für die Renovierung der angegebenen Immobilie verwendet werden. Dafür liegen die Zinsen tiefer als bei einem Kredit zur freien Verwendung.

Wann kann ein Renovierungskredit beantragt werden?

Dieser Kredit kann grundsätzlich in folgenden Fällen beantragt werden:

Am häufigsten wird der Renovierungskredit in Anspruch genommen, um die Immobilie zu renovieren, beispielsweise weil Fußböden und Decken erneuert werden müssen.
Seit einigen Jahren wird er verstärkt in Anspruch genommen, wenn Maßnahmen zur Energieeinsparung anstehen. Dazu gehört etwa der Einbau von energiesparenden Fenstern oder Dämmsystemen.

Wer energetisch sanieren will, muss übrigens in vielen Fällen die gesamte Investition nicht einmal allein schultern. Denn für bestimmte Maßnahmen gibt es staatliche Zuschüsse, sodass eine niedrigere Darlehenssumme aufgenommen werden kann.

Rückzahlung und Laufzeit von Renovierungskrediten

Die Rückzahlung eines Renovierungskredites erfolgt ebenso, wie es der Kreditnehmer vom Ratenkredit her kennt: Er bekommt zunächst die volle Darlehenssumme ausbezahlt und zahlt diese anschließend zusammen mit den Zinsen und sonstigen Gebühren in monatlich festgelegten Raten zurück. Die Spanne reicht hier von 1000 bis 250.000 Euro. Die Laufzeiten des Kredits richten sich in erster Linie nach der Höhe der Darlehenssumme. Die Mindestlaufzeit für Renovierungskredite beträgt bei den meisten Geldinstituten zwölf Monate. Die meisten Institute bieten eine maximale Laufzeit von 84 Monaten an. Doch in Bezug auf die Laufzeit bieten verschiedene Banken weitere individuelle Lösungen an, sodass diese zwischen sechs und 240 Monaten liegen kann.

Renovierungskredit: Zinsen und Kosten

Die günstigsten Angebote für einen Renovierungskredit liegen bei wenigen Prozent. Die allergünstigen Zinsangebote kann allerdings nicht jeder Kreditnehmer in Anspruch nehmen, weil der Zinssatz ebenso wie die Bewilligung des Kredits an sich erheblich von der Bonität des Kreditnehmers abhängt. Um Ihren individuellen Zinssatz zu ermitteln, können Sie im Kreditrechner von Verivox.de bei einem beliebigen Kreditangebot die Schaltfläche “Weiter” auswählen und Ihre Daten eingeben. Diese werden entsprechend Ihrer Auswahl an eine oder mehrere Banken weitergeleitet. Die Kreditanbieter entscheiden sofort aufgrund Ihrer Daten über die Kreditvergabe und die Höhe der Zinsen. Daraufhin können Sie diese individuellen Angebote aussagekräftig vergleichen und den Renovierungskredit mit den besten Konditionen aussuchen.

News ZDF WISO Tip: How to manage the investment with stocks and funds

Posted on May 27, 2018June 26, 2018 by Bryan Gage

News ZDF WISO Tip: How to manage the investment with stocks and funds

Monday, 13.03.17 , written by Anja Schlicht Although no significant returns can be achieved with traditional investments such as overnight money and fixed deposits, the number of people investing their money on the stock market is stagnating at around nine million people. The stock market does not mean gambling and losses. The current ZDF WISO tip shows that investing in shares can be a

ZDF WISO gibt wichtige Tipps zur Geldanlage mit Aktien

Investment in the stock market easily explained

Current accounts with interest rates are now an exception, money market accounts are barely making any profits, and even the yield on fixed-term accounts can not satisfy investors. Although many savers know that they are losing money rather than gaining money with classical investments because of inflation, most of them are staying away from the stock market with its return opportunities. Just nine million people invested in the stock market in 2016. Two reasons for the reluctance could be the complexity of the stock market and the fear of losses .

Laypeople do not need much knowledge to get more out of their money. As the current ZDF WISO tip shows, good advice, a cost comparison and the selection of suitable passively managed funds are important for this goal. In the case of the latter, Stiftung Warentest, among others, can help with its regular fund tests.

Open Depot – Compare Costs

Anyone seeking to invest in the stock market should decide whether to buy individual shares or invest in funds . For beginners in the field it makes sense to bet on funds. As the saver’s money flows into several stocks or bonds, there is a risk of losing money. Stiftung Warentest recommends beginners a deposit of at least two funds – an equity fund for the return and a fund of safe assets such as a pension fund. Where savers open their custody account is up to them. A cost comparison, however, quickly shows that especially online banks offer more favorable conditions than branch banks , so ZDF WISO. Savers who want to go public need a deposit account for their investment.

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Index Funds: The simple way of investing in the stock market

Investors can also save money when selecting funds. Via passive funds “money can be invested in the stock market in a particularly easy and cheap way,” says ZDF WISO. For these index funds or investments known as ETFs track stock indices such as the DAX. In the case of actively managed funds , on the other hand, a fund manager tries to achieve a return above the market average by deciding which shares to buy. “In reality, however, at least the fund managers succeed,” says ZDF WISO. In addition, the active management costs additionally.

ZDF WISO: These tips reduce risk on the stock market

According to the consumer magazine, fees of one percent of the invested amount are already considered uneconomic. To find the right ETF, interested parties can get advice from their bank. However, they often have to remain stubborn , as banks tend to sell actively managed funds. In addition, it makes sense to ask for further investment offers in order to compare the different options.

To minimize the risk, ZDF WISO gives the following tips:

Never put everything on one card
The shorter the application period, the greater the risks
Only invest money that savers can forego for longer
Do not invest all assets in stocks
Stay rational and make no hasty decisions

Permanently good index funds at Stiftung Warentest

The worldwide market-wide index funds with a very good rating from Stiftung Warentest include, for example:

Amundi MSCI World Ucits ETF EUR
ComStage MSCI World Ucits ETF
db x-trackers MSCI World Ucits ETF 1C
iShares Core MSCI World Ucits ETF
Lyxor Ucits ETF MSCI World D-EUR
Source MSCI World Ucits ETF
UBS MSCI World Ucits ETF A

The current fund costs vary between 0.2 percent and 0.45 percent. The return over five years, together with distributions less running costs, ranges from 14.1% to 14.4% depending on the fund.

Tip: Depending on how long you want your money to work for you and how much risk you want to invest, different options are recommended. Find out with a non-binding investment offer which high-yielding options you have when investing.

Here are tips and more information about the investment. >
Anja Schlicht

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News Equities 2013: Trend for the stock market 2013 positive

Posted on May 13, 2018June 27, 2018 by Bryan Gage

News Equities 2013: Trend for the stock market 2013 positive

finanzen.de News always well informed

Monday, 21.01.13 , written by Bernd Lauberg Due to the ongoing period of low interest rates, investors in traditional investment products are having a hard time receiving good interest rates. Much more, interest rates are so low that they will not even make up for inflation. The stock market offers consumers a real alternative. For 2013 investment experts expect a positive development. >

Aktien 2013: Trend für den Aktienmarkt 2013 positiv

Savings books, daily or term money accounts – In 2013, interest rates on these and other investment products will be low. The reason for this is the persistently low interest rate phase, which is due to the reduction of the key interest rate to 0.75 per cent on the part of the European Central Bank (ECB). Allianz analysts advise investors who want to generate higher than inflation returns to invest in equities. Experts predict that most stock indices will see gains of five to ten percent in 2013. So if you do not want to invest in low-risk investments with unprofitable interest rates, you can take the step into the stock market in 2013.

Dax is expected to exceed 8,000 points in 2013

In 2012, more Germans invested their money in shares again. In the first half of last year, the number of shareholders and equity fund owners in Germany rose to ten million – more than since 2007. In 2013, German equities in particular should develop positively. Not only the investment expert Ulrich Stephan of Deutsche Bank expects that the mark of the German stock index Dax this year will exceed the 8,000 point limit. The stock expert Andreas Hürkamp of Commerzbank and the largest German fund company DWS also consider new historical Dax stands 2013 possible. The German stock market offers investors some opportunities. But private investors should still bring enough capital to be able to sit out the next phase of weakness.

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Security through ECB promise

Of 19 banks and fund companies that have issued a Dax forecast for 2013, 14 financial institutions expect the German stock market index to reach 8,000 points. However, some skeptics do not trust the positive trend. Investment Manager Andreas Utermann of Allianz Global Investors points out that Dax is a group of companies with a cyclical business model whose valuation depends heavily on the development of the global economy. However, the promise of the European Central Bank to buy government bonds from crisis-hit countries without limit in the event of an emergency removes the danger of a rapid crash of the economy.

Tips for Stock Investors 2013

Some points should be considered newcomers. Most importantly, you should never invest the complete savings in stocks – there is always some risk of losing the money. Experts advise to put at most 50 to 60 per cent of the savings capital into the stock market. In addition, planning should not be short-term, but long-term. Short-term fluctuations are quite possible on the stock market, so new shareholders should invest their money for three to five years. It is also advisable to buy shares from different companies in order to spread the risk. Jürgen Kurz from the investor protection association DSW recommends the sectors food, technology and chemistry.

More about investing and investing in equities can be found here.

Here are tips and more information about the investment. >
Bernd Lauberg
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The home help strike was called off when the company paid the payroll with a loan “negotiated” by her

Posted on May 2, 2018June 27, 2018 by Bryan Gage

The home help strike was called off when the company paid the payroll with a loan “negotiated” by her

The workers of Multiservicios Jabalcuz, concessionaire of the home help service of Jaén, have definitively canceled the indefinite strike scheduled for the 22nd, once the company has paid two payrolls that were owed from a loan “negotiated” by the responsible for that entity with the bank with which he works.

The workers of Multiservicios Jabalcuz, concessionaire of the home help service of Jaén, have definitively canceled the indefinite strike scheduled for the 22nd, once the company has paid two payrolls that were owed from a loan “negotiated” by the responsible for that entity with the bank with which he works.

This was announced on Thursday at a press conference at the UGT headquarters in Jaén the chairman of the works committee, María del Carmen García, who indicated that the employer had just confirmed that he was already making cash the payment of payroll to from that “credit” that he had negotiated with his bank.

However, the representative of the workers has indicated that from now on they will follow “vigilantes” to verify that the payments are received monthly, a condition that they expect to be carried out if the City Council “meets 50 percent” of the “commitment” that acquired in the Extra-judicial Service of Resolution of Labor Conflicts (Sercla) of the past week, the one of “not diverting” the money received from the Board as a dependency to transfer it entirely to the company, as explained.

The other “50 percent” of the commitment reached by the City Council in the Sercla was, according to the Secretary of Health and Social and Health Services of UGT-Jaén, Miguel Ángel Cazalilla, the financial operation agreed with the Caja Rural that would allow the latter advance 500,000 euros to the City Council and this, in turn, to the company, for the immediate payment of the two payroll owed.

As pointed out this Wednesday, Cazalilla has indicated that the businessman of Multiservicios Jabalcuz has rejected “fully” the “leonine” conditions of that financial operation, since, as he said, he would have to “assume the cost of the operation”, what would suppose an expense of “between 50,000 and 55,000 euros”, also by the interest rate to be paid.

The rejection of this operation is what led him to “negotiate with the bank with which he normally works a credit operation” which is the one that, finally, has allowed him this Thursday to pay the two outstanding payrolls and that costs him ” well less than half “than the” discount line “of the Caja Rural.

“Millionaire” debt

The Secretary of Sociosanitarios Services of UGT-Jaén has emphasized in addition, that the debt that drag the company by the service of home help is of “2.2 million euros”, although “the City Council says that you only owe 700,000 euros, “an amount” more than three times “lower.

Cazalilla attributes that delay to the fact that the government team of José Enrique Fernández de Moya (PP) “has applied the single-cash principle” with the payments received from the Board and has used that money originally intended for home help as that “he thought it was more convenient”, so he would not have paid all the money to the company.

Therefore, Cazalilla expects that from now on the mayor “fulfill his commitment to create a restricted account” for home help, something that “is clear and evident that is not met” currently, and “do not deviate payments” of the Board, which, as the representative of UGT has added, the president of the Andalusian Government, Susana Díaz, affirmed this Wednesday in the Debate of the State of the Community that “they were going to be regular”.

In this regard, has indicated that the concessionaire has guaranteed that “if you remit payments” from the Board with the announced regularity, “will not have any problem in making effective payroll” of the template, despite their debt .

When asked by journalists, the head of Health and Social and Health Services UGT-Jaén has also referred to the judicial dispute currently open between the Board and the City Council on this issue, following the fact that the Consistory denounced last year the agreement of the dependency subscribed with the Autonomous Administration.

Cazalilla recalled that the judge initially in charge of the case, José María Cañada, retired last June, and his replacement, Humberto Herrera, “has recently joined” his new position in the Contentious-Administrative Court number 3 of Jaén, so “it seems that this part almost zero” and can “spend months” before there is a ruling on it, as predicted.

The conflict “tires”

Finally, in the press conference has also intervened Secretary General of UGT-Jaén, Manuel Salazar, who has lamented that for the “thousandth time” the situation of “lack of payment of a few payrolls of workers that month a month they do their work “, a conflict that” tires “when produced” repeatedly “.

In that sense, he remarked that the staff “deserves” to have the “peace of mind” of knowing that “at the end of the month he will collect his salaries which, incidentally, are quite short”, and he has asked himself ” how much incompetence “to reach this situation, in which” it seems that someone is behaving like a trilero “, while” users of the service and workers “attend as” passive spectators “to this conflict.

Salazar concluded by asking on behalf of UGT “good sense” and that “once and for all establish a basis to ensure a service to workers and users, that the company charged in a timely manner, that the City does not divert money from the dependency for other purposes and the Board complies with the commitment that the dependency will be paid no later than 60 days after having performed the service “.

Distinction of indebtedness

Posted on April 17, 2018April 17, 2018 by Bryan Gage

A detailed examination of the role of indebtedness on growth involves distinguishing two debts:

1) the debts weighing directly on the growth, because it is the households, the companies or the public administrations which contract them, we will speak about them of nonfinancial debt;

2) debts of the financial sector made up of the debts of the financial companies, the issues of units of the mutual funds and the shares. We could challenge the amalgam of mutual funds and shares under the term debt. The important thing is for us to bring them together so that we can better differentiate them. Let’s examine our two curves.

It is very important to note that the ratio of non-financial debt to GDP reflects the following fact: between 1987 and 2000, GDP was not stimulated more and more by non-financial debt, GDP / non-financial debt ratio. stay flat during this period.consol

On the other hand, the ratio of non-financial debt to GDP plays a leading role in the rapid increase of non-financial debt in growth since 2001, the curve of the ratio of non-financial debt to GDP is sharply above.

The economic system has overhauled well since 2000 at the risk of a slowdown in growth in the US. The lower correlation between declining productive investment rate, saturation of service markets replacing industry (etc.) is verified.

Non-financial indebtedness by artificially pulling growth from above allowed all of these phenomena to be obscured. The crisis has made them resurge in the form of real mass unemployment, a sharp slowdown in growth and massive indebtedness driven by public credit.

We also note a very interesting correlation between the phases of financial debt reduction and the periods of recession after 2000. American capitalism and its crises, therefore, changed very much after this date.

Before studying this phenomenon of correlation between crises and the vagaries of financial indebtedness, one thing has to be noticed. Since 2009, non-financial debt does not seem to stimulate as strongly as before growth. The ratio of non-financial debt to GDP has been flat since 2009, with poor growth no longer benefiting from a growing debt-non-financial / GDP ratio.

This could bring water to the mills of Keynesians who could argue that the indebtedness of non-financial economic actors is not strong enough to revive activity.

The contribution of different indebtedness to the growth of GDP upsets this thesis: The state had to come to the rescue of household debt to support the activity.

The increase in its contribution to growth is considerable, as it doubled its total financial debt and market debt in record time (2008-2013). These margins are now restricted. The contribution of indebtedness of non-financial companies should not be misleading. This long-term increase is accompanied by declining productive investment rates.

Non-financial firms do not borrow money to accumulate productive capital; in this case, this debt would be a positive contribution to growth; nonfinancial corporations accumulate financial capital to withstand the pressure of interest paid and dividends served, a very large accumulation of financial capital, they manage to reduce the pressure of the financial system on them by improving the balance of their income (Interest and dividends received – Interest and dividends paid).

One can imagine increasing the federal contribution to support economic activity, but in this case, the expenditures should have been higher in the past and/or in the future. The federal state does not have the means: contrary to a commonly held idea, the United States cannot borrow as far as the eye can see. Since 2011, the Fed’s support for the consolidation of debt and the maintenance of interest at a reduced level perfectly illustrates the existence of a limit on federal indebtedness- click here for more.

Federal debt has been slowing since 2011.

The distinction between the types of debts makes it possible to show what determines the crises and the contractions of the activity. At least until 2008, the phenomenon of rising financial sector debt to financial firms has the same function as the debt of non-financial companies. This debt and its evolutions are not correlated with the crisis phases.

The true correlation between indebtedness and crisis phases emerges when considering issues of mutual funds and shares. It is the developments in the net issuance of these two forms of debt that are correlated with the crisis. When we talk about debt, we mean the term in a broad sense: a stock is compared to an obligation a permanent debt whose return varies with the volume of dividends reported in securities. Mutual funds are funds invested in securities.

The question then is who holds these debts. In the United States, the holding of stocks and investment funds is massively concentrated in the hands of Top Ten household funds. The correlation we see is a correlation between the drop in issues and the value of financial assets and the contraction of share issues and mutual fund shares.

Seizures, therefore, have as their obvious motive the value of movable heritage. This value is at the heart of the millennial crisis that has not seen a fall in housing values at this time due to the active role of Fannie Mae and Freddie Mac’s GSEs in supporting property prices. This role was no longer playable in 2008 – they were bankrupt – it is the income and real estate that led to a drop in consumption and a general slowdown in the economy.

This fall was offset by social spending which boosted household consumption by 2 percentage points of GDP. What then explains, in a regime of overgrowth, the correlation between the fall in the value of financial wealth and the contraction of economic activity? It is the contraction of the consumption of the rich that causes the economic slowdown, and this slowdown then weighs on the consumption of all the other households which undergo and accentuate recessions.

It is the rich, whose incomes have steadily declined, who, by the fall of their consumption, is the determining factor in the gravity of the crises; the whole economy follows.

Banker warns: European deposit insurance does not rush

Posted on March 29, 2018June 27, 2018 by Bryan Gage

Frankfurt / Main – Frankfurter banker Emmerich Müller warns against a hasty introduction of a joint deposit insurance scheme for savings in Europe. The time is not ripe yet. First, the banks of Europe would have to reduce their legacy.

Picture: European currency

Frankfurter banker Emmerich Müller warns against too rapid an introduction of cross-border protection of savings in Europe. “In the long run, a joint deposit insurance is part of a banking union, but the time has not yet come,” said the partner of the bank Metzler of the German Press Agency, which was founded in 1674.

Problem loans with a volume of 950 billion euros

“In Europe, we still have a lot of legacy non-performing loans in bank balance sheets, which is blocking not only the development of common European security systems, but also the granting of new loans,” said Müller. EU-wide, the volume of non-performing loans (NPL) according to recent figures still at 950 billion euros.

“It would be unfair to dump the damage already suffered by someone who had nothing to do with the genesis,” said Müller. Often, national policies prevent the problem of bad credit from being better targeted. “We have to be careful that we are not creeping into debt restructuring.”

Savings deposits are already well protected in Germany

In 2015, the European Commission submitted proposals for a European deposit guarantee scheme. For a long time, there was little progress on this point, mainly because of resistance from Germany. In Germany, there are already well-filled pots to secure the bank balances of savers in emergencies. The German financial institutions fear that these reserves would finance losses in other countries. However, by the summer of this year, EU countries are still making substantial progress on the issue.

“Occupy Europe more positively”

“As Germans, we legitimately have the mistrust that other countries want money from us,” said Müller. “On the other hand, we should also bear in mind that we are not only an economic winner of a functioning Europe, but also that since the Second World War we have not had to go to war on our soil, and we owe this to Europe as well.”

Therefore, it was important to “re-occupy the subject of Europe more positively, we must not leave the field to the doubters,” warned Müller. “I expect the new federal government to be a creative actor in Europe’s renewal process and not leave the field to Macron alone.”

In September, President Emmanuel Macron presented a timetable for 2024 that included numerous proposals for far-reaching restructuring of the European Union. Among other things, he wants his own budget and a finance minister for the eurozone. “It would be desirable if we could quickly regain a viable government – precisely because we have to set certain course in Europe,” said Banker Müller.