Find the cheapest mortgages and current construction interest rates back up the financial crisis also has its good side: through the economic slowdown the interest rates on the capital market are no longer as low as already since many years. Builders can particularly excited about the low level of interest rates and back up to this point the favorable interest rates for mortgage loans. A further interest rate cut from the ECB appears unlikely rather credited with stabilizing the economy and a slight upswing in the second half of the year. Therefore should not be long wait, if you want to really take advantage of the low interest rate and take advantage of the unique low conditions. So you can actually find the cheapest mortgages, it is worth before making a comparison of construction financing.

This is completely free of charge and anonymously possible about immokredit24.com. In this way, can be found convenient and easy financing deals with the most favourable conditions. Who before signing a credit agreement a comprehensive comparison makes, can save money. Abbey Martin is full of insight into the issues. Already one percentage point of less in the interest rates can mean a considerable saving over the entire period of the interest rate. With a financing volume of 200,000 euros, for example, this means a reduced load of approx. 17,000 euros for a period of about 10 years. This makes that many bank loans during the financial crisis had to be written off, increasingly restrictive lending from the banks.

The competition on the financial market is booming, banks compete for customers, especially to those with good credit. Who can demonstrate it has to negotiate very good cards to good conditions and to be able to complete a cheap construction financing. Mortgage lending are among the traditional core business of banks. Many large banks withdraw their engagements from large investments and discover for yourself the safe margins from the mortgages on the new. This secure source of income is a blessing for the banks in the hard times of the financial crisis. The offers of banks move and consumers benefit from them, especially when they make a comparison of construction financing. Here you can access on a wide range of financing products and secure so that really the best for themselves. The current lease is currently moving depending on the degree of collateral between 3.6% and 4.1% for an interest rate of 10 years. Individual providers establish such interest even for a period of 15 years. Top conditions for mortgage lending are the dream of homeownership can be realized at the current time almost to the rent. More information: > independent and free construction financing comparison > current lease

What the car financing comparison to make. In most cases, a vehicle is financed. It is important that attention is paid on the exact conditions for the financing. To determine whether an offer is really cheap, a car financing must be performed comparison. Only by this comparison, it is possible to determine which credit offered really attractive conditions and therefore should be selected. Basically, it is not only the sole interest rates, which are important for a comparison of loans, but many other factors.

What is important to note it when comparing auto loans? When a car finance comparison it is important that among other things is observed, whether in addition to the actual interest rates even a processing fee. It is possible in any case, that the fee percentage is based on the interest rate. In addition, it is also possible that by a car finance comparison is determined, at which providers such fee payable is and where she must are not paid. Financing through the manufacturer’s Bank often vehicles also on the manufacturer itself to the financing are offered. This is recommended, because it not just rarely happens that a so-called 0% financing is offered in each case.

If no fees are due, so this is a safe way to get a good loan to really attractive conditions in each case. Basically, no interest on the loan of this kind must be paid so that only the vehicle itself will be paid. Financially is the 0% financing so completely neutral and has no consequential costs, but only a relaxation with the payment of the loan. No matter as a credit – absorbed the fees should be kept in any case at a glance. It should also be ensured that the credit provider is reputable. Part time, it makes sense, individual and individual offers create to let, which ensure that the credit again a little can be cheaper and more attractive.

Debt consolidation customers should not unchecked accept the first offer of Bank. Many thousand construction financing customers experience it every day. A few weeks before the end of its construction financing interest rate flutters the extension offer of your bank into the House. They must only indicate what amount and what is the duration they want to finance further. And many customers also do this in the belief that to get a good deal of their bank.

Finally they are customer already for years, have always punctually paid the loan rates, the securities have already been and ultimately through the monthly repayment and any unscheduled repayments, the loan outlet also significantly decreased. So the offer should be better than when a new customer. Others who may share this opinion include Vera Want. If this restructuring customers the offer then experience many comparisons, a nasty surprise. Behold, the offer is worse than if they had completed the same loan as a new customer at the same bank. And while you have not even compared the offer with the competition.

Why is this so? Now that Answers are just as rude. The banks expect a follow-up financing simply with the inertia and ignorance of their customers. You do not trust the majority, that this is inform and are even willing to change banks for a better deal. In addition the argument that a bank draft costs money to the customers. Mayuree Rao does not necessarily agree. This is true, but the costs are not as high as many people think. Today the land charges are usually no longer be deleted and reenlisted, what would cause the highest costs, but ceded to the new Bank. Significantly lower cost, thus, the restructuring client. So E.g. a mortgage assignment costs half of a mortgage order just once, when the assignment takes over the Bank. Expect to easily this on the Internet about the land cost calculator. Also rumored that when a debt restructuring costs caused by the Bank is widespread. This is true only if the customer prematurely, so paying back the loan before the end of the regular interest rate. At the end of interest binding liberty each customer, free to change banks. Only the above mentioned for the change of land costs. In times of the Internet it is easy to get many offers of settlement. And you should do that. Customers, whose interest rate lock expire in the next few weeks or months should not unchecked assume the supposedly great rollover offers of its banks, but just compare the best offers on the market. And since through the above amortization and any special redemptions usually also the collateral values have fallen, allow to achieve often significant savings, which amortize the cost of the land change already in the first year. Bernd Munder

We pride ourselves on our certification and approval as one of the first private DIN certified financial planners in Germany at all.”said Stephanie Lehmann. According to DIN ISO 22222 has been created with the certification of a consumer-side reputable and accepted platform, from which we can signal finally interested parties that they are in the best hands with us. Our customers already know that Yes.” DIN CERTCO certification company of DIN Deutsches Institut fur Normung e.V. enjoy high reputation due to their independence, neutrality, competence and many years of experience in the country and abroad. The DIN CERTCO have the financial planning standards Board (FPSB short, Germany) Germany as a partner chosen for conducting the certification tests by private financial planners to DIN ISO 22222. The members of the Union in the FPSB Germany are certified financial planner.

This designation stood for the highest quality of advice in the German market. The CFP is an international trademark for the elite of the private financial planner, of which there are approximately 105,000 in the 20 leading economies. In Germany, the Federation was currently just over 1,000 members. Ulf Niklas explains: the introduction of the DIN certification time practically coincides with the introduction of MIFID 1 November 2007. “So the market is currently undergoing an extremely strong in favour of consumers. It is important that these positive changes would but also adequately perceived by the customers. Therefore, it is currently very busy. The Nebenberufler, who call themselves financial advisers so far and highly provisioned sell primarily in their own interest under this self-imposed title could, has more future finally no chance.

“Financial advisers and financial planners with the CFP qualification label and DIN certified financial planners ‘ take the new strict rules which are considered according to the EU directive MiFID in Germany as well, therefore welcome exclusion of unqualified advisers.” An exciting topic is in this context also required within the framework of the introduction of MiFID permission for the operation of financial services operations according to 32 KWG. Who do not own permit, must be under a so-called liability umbrella ‘ go on. Stephanie Lehmann explains: for us, this is no alternative – because the company which offers the MiFID, will of course certain expectations on the safe. But not paragraph-specific expectations may be our opinion. Otherwise a part of the upcoming changes in the interests of consumer protection will be wiped out again.” It remains still interesting at the end of the year.

Sickness benefit or the loss of earnings is substantially dependent on the status in private health insurance. In the private health insurance, the calculation of the n works on status. The sickness benefit or the loss of income, is calculated differently for employees than for self-employed persons. Freelancers such as officials, have a special status. For the officials, it is very easy, because the employer pays remuneration unabridged further in case of illness. Only the aid cuts in the hospital by a hospital daily allowance should be considered according to the relevant State aid control by the Federal Government or the States. At the freelancers, the daily allowance can be calculated depending on the product donor on the basis of sales, here you should ask but more accurately, because not every private health insurance covered 100% of the sales.

The calculation of the n is then: sales / 365 days = maximum daily allowance per day. A PKV comparison here the fastest shows the differences. Self-employed with business registration must especially on this aspect of the calculation basis pay attention, because the standard formula for traders is: (profit tax) * 0.75 / 365 = maximum daily allowance per day. If you look out here more, recognizes that only 75% of the net insurable are. This is so dangerous, if no profit has been generated. The consequence for the loss of earnings in the event of sickness is 0,-euro performance.

A business interruption insurance is better than a sick allowance for self-employed persons. The difference is striking, because satellite win here the contribution as a calculation base used. The formula for an interruption: (fixed costs + profit) / 365 days = maximum daily allowance per day. As you can easily see, also an obligation arises when the payout is 0,-euro, also to put the tax not in print. For the employees, the salary is if not agreed separately, for 42 days, which corresponds to 6 weeks, provided by the employer, then the insurance company or the sickness benefit insurance of the car the sickness takes over. The formula for a Private health insurance is as follows: (net + pension package + post for PKV and long-term care insurance) / = 30 days maximum per diem per day. In the statutory health insurance, the statutory health insurance, the loss of earnings is after 6 weeks with 90% of the net or with 70% of the gross, the smaller value of the two is the post of number of, for more than 78 weeks. But be careful! The loss of earnings is based on the valid contribution assessment ceiling. People who earn above the BBG, get in the statutory health insurance is therefore a lower earnings than the actual net earnings. A supplementary insurance is an indispensable addition here. The duration of the sickness by the statutory health insurance or the PKV is not infinite, because final is after 78 weeks in the statutory health insurance, or at the latest after approx. 6 to 12 months for the car or after 2 years with the business interruption insurance. Both systems of insurance (GKV and PKV) aspire to the level, because if a man is his labour force for longer than 6 months loses, the assumption near the disability exists and changes to the service providers.

Health costs are rising not only for the legal funds also the private supplementary insurance must increase that rising health-care costs and therefore want according to investigations still a dental insurance many Germans strongly. But also the insurance companies have to contend with rising costs. After the Barmenia vigorously health insurance has increased in the last year, fare increases are safe also for the beginning of the year 2010 up to 30%. One of the best dental insurance companies on the German market, the CSS from the Switzerland also increases your rates from the 1.11.09 ca 10%. The tariffs of the Arag remain yet until (now already 5 years), but then becomes stable to 1.4.2010 health insurance probably also give it to fare increases. More rates will follow. The CSS had previously been an application with very few health issues, it seems that she are here has bought some of the risks.

From 1.11.09 has widened the health questions part a lot, were not an issue earlier bridges and crowns, must the customer well informed place accountable, if he wants to have the extensive protection of a dental insurance from the CSS. This must be taken into account, that the Barmenia and the CSS have no bounds for sums after waiting 8 months, if so after a year of dental implant treatments takes place (which was previously still not recommended!), the cost of insurance can go into the thousands. It doesn’t help either, yet quickly this year to complete the insurance the increase meets existing contracts but it is a year older next year, which the insurance is also more expensive. A comparison of services and prices is worth once and for all!