Before you sign be seduced by the notary in detail about the contract to pay attention when buying real estate? Who can you contact, you secure the financing? The following guide will help you at the orientation. The decision: you want to finally drag in your own four walls. But first it is to find the right property and to secure the financing. Financial check: Calculate your equity. These include for example balances on passbook and savings, securities and shares. Insurance, you insert the redemption value of your life to securing loans. Ask parents and relatives after reserves or anticipating the inheritance (see the column on the left). Services also include equity.

Loan amount: Multiply the calculated value of equity capital with four – this is the amount that your home may cost about. They include also purchase costs, to the in game for broker, notary and land registry – depending on the region as a whole around ten percent of the purchase price. And: consider financial buffer for new furniture. The equivalent of the internal activities considered to be in the financing equity real estate search: now talk to the real estate professional in the Sparkasse or LBSi about your real estate needs and views offers in newspapers and the Internet (see,). Find in a no-obligation consultation with financing experts what loan amount can be provided at the disposal. Is your contractor already Zuteilungsreif? If not, then bridge the period with a pre-financing or increase your monthly savings rate. Object verification: You’ve found a matching object, which have yet to be modernized before? Then check it together with an architect or reviewer.

The professional will tell you what additional costs you have to account for improvements. Include this amount in your financing needs. Once you have decided for the real estate, your LBS -, LBSi – Sparkassen advisors on request prepared the Kreditantragfurdas mortgage and building society loan before. Get the financing commitment already after a few days. Contract: When the object can be obtained and to whom you want to transfer the purchase price with seller and Realtor, discuss. The due date is in the Kaufvertraggeregelt. The notary make sure nobody provides unsecured intermediate consumption. Review the draft of the Treaty alone and give requests for changes to your broker. The planned everything perfectly: follow the Guide to real estate purchase point for point. So you are prepared for each important step and know your contact person. Check your equity for 10 steps in the own House. You take the equity value, 4. You afford this sum. Talk to the Immoprofi of your savings or LBS about what exactly you’re looking for. Have a first non-binding conversation with Sparkasse and LBS on the financing. An object is in the narrower choice. Possibly check the House with a neutral reviewer. Now contact the LBS or savings bank. You have the financing commitment of Sparkasse and LBS, agree You the emergency kind mistress. Let the seller and their agent. You negotiate the specific contract arrangements. The draft purchase contract comes about a week before the date, so that you can examine it calmly. The notary notary deadline with signing of the purchase contract causes the entry in the land register as soon as you have paid the tax to the tax authorities.

Revaluation re new interest limits for the day money account of the comdirect bank that already since early February to the best-interest day money offers of German credit institutions, Tagesgeld plus the comdirect Bank learns from 1 April 2008 one. Were previously deposits p.a. interest rate above of 30,000 euros only with 0.50 percent, this limit to 100,000 euros will be raised. The current interest rate steps of the day money account of the comdirect Bank can find interested investors about comdirect bank Tagesgeld plus. New customers will receive 4.75 percent interest on up to 30,000 euros in beyond six months, whereas the uniform interest rate of 3.80 percent applies to all deposits between 0 and 100,000 for existing customers. Without hesitation Coen brothers explained all about the problem. So that honours the comdirect although again not their loyal existing customers, joins with this practice but in the mainstream of credit institutions submit that offers high-interest only new customers according to. Despite this nauseating she sits tagesgeldkonto.html comdirect with its offer at the top of many comparisons, so also on.

Of course, there are still deals of mainly foreign banks, which offer higher interest on the money of the day, however, investors should keep always the security of their deposits in the eye. So bank and that are not even at the comdirect currently until secured to 186 million euro per customer over the insurance fund of the Federal Association of German banks, while the ceiling of foreign credit institutions is often only 20,000 or 40,000 euros to one hundred percent. Equally interesting is that investors can extend the day money account of comdirect Bank at interest to other products such as about a free custody account or different checking accounts. Crediting, an important factor for the utilization of the compound interest effect of a financial investment, is quarterly and is so close to the optimum of the monthly interest payment. Daniel Franke

Worth a care allowance? What benefits are there? The aspect of long-term care insurance and long-term care daily benefit insurance especially younger people, like to move back, and want to deal with it. They feel the age nahend, when they deal with the protections of the age. But just at a young age, the protection for old age is concise, because only now completed insurance in the age make sense. What is the purpose of a care allowance insurance and what makes them useful? A care case can affect anyone, and even if the care affects mostly older people, young people are not afraid, after an accident or a serious illness, the care to be. The cost of a care case and the outpatient or inpatient treatment, applied without supplementary insurance, only to a part of the statutory compulsory care insurance.

But who will pay the other costs and where to take money for small, own wishes as care case? The care allowance provides a supplementary pension, can determine the amount of the insured itself. It is guaranteed that the policyholder has a pocket money, he may have also in case of maintenance. Safe capital for helpful information about conditions of supplementary care insurance and have the opportunity to complete a profitable and rewarding contract for a later supplementary pension safe capital. With this supplementary pension, are the care case on the safe side, and safe capital guarantees excellent performance, with the current savings protection tariff. Jeff Bewkes can provide more clarity in the matter. The daily allowance insurance care case represents a pure risk rate, and is therefore very cost effective at the conclusion of the contract. Who now want to protect themselves for a possible case of care, is well advised with the models around additional care insurance.

You can request a rate comparison and a custom-tailored offer on the above page. The care allowance is the classification in the height in which the care level of care case, is located. Is it so, a care level 1, also the insurance pays the day money in the appropriate amount. Even if you have done already a cheap insurance, you should check every few years (in about 5), the market situation.

Reserves are in private health insurance often are supposedly high posts, which are the step in the private Krankenversicherung (PKV) in the way. Read more from Brian Roberts to gain a more clear picture of the situation. The Internet portal private krankenversicherungen.de explains why this may be a fallacy. According to media reports, the posts in the private health insurance between 1992 and 2002 by almost 40 per cent have increased: compared with the statutory health insurance (GKV) more than twice as much. The situation is however more nuanced than this simple comparison. Often, power cuts are allowed legal insurance aside. As well as the not inconsiderable extra payments provided in the statutory health insurance.

Also, the car follow a different model of interest. Therefore each privately insured covers a part of its contribution for themselves. While in the PKV, each customer has an account, the statutory health insurance funds with the regular insurance premiums cover only the current health costs. Have the insured “as in the car but her own upholstered”, these reserves can be used to compensate for contribution increases. However, should be aware of insured persons on the basis of this approach of the risks and choose their private health insurance with regard to the activity of the insurer on the capital market. Questions which arise should customers, are among others the risk appetite of the business and how carefully it bypasses with the borrowed capital of its insured. More information: news.