Construction financing: the so-called Wohn-Riester has started. But the consumer center NRW advises: House builders should wait for better offers.
The legislator has given Riester savings a new variant in the form of home ownership subsidies. Now not only bank, fund and insurance savings plans are subsidized, but also building savings contracts and real estate loans.
There are times when it is simply imperative to take out a loan. For example, you may have an unbeatable offer for a home of your own, or your car may be defective and it is no longer worth repairing it, so you urgently need to buy a new one. However, such unforeseen things are not always included in the budget, so that a loan is unavoidable. However, not every consumer has it easy to apply for a loan. Because Schufa in particular can quickly put a stop to this if problems have arisen at some point. Who has a bad Schufa score, will also have big problems with lending. Therefore, there are loans without Schufa, where you can take a loan even with a negative credit rating. However, there are great dangers lurking here. We would like to point these out to you in this guide, so that you know exactly what to look for in a loan without Schufa.
As the name suggests, a loan without Schufa is a loan where no information from Schufa is obtained. The means that your Schufa score does not matter. However, the bank that offers you a loan without Schufa still calculates some kind of score. This takes into account the proof of income or rental income. If you have negative entries with Schufa, they are not calculated, because here is no data exchange between lender and Schufa.
Need loan for single mother? A credit offer with small, fair rates and uncomplicated access?
It is not quite so simple in every case. Use the guide to work out your own credit opportunities.
What might be a contemporary definition of public benefit in housing? Architectural historian Anne Kockelkorn goes inside the 100 Years of Presence. Journal addresses key issues in social housing in the FRG, examines the paradigm shift from quantity to quality in housing in the 1970s, and outlines scenarios that could lead to an improvement in the housing situation of many: away from housing as a commodity, toward an understanding of housing as a use value. An interview on the central point of the new publication " Housing question ".
How did social housing become a "housing commodity" in the FRG of the 1980s??
What would be your answer if someone asked you what was the worst business decision ever made? Not the worst decision you made, mind you – the worst decision in the history of business decisions.
It's a good question to think about to give yourself relief (big companies make mistakes too!), But also to see what you can learn from the bad decisions of lore to prevent them from happening in your business.
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In this article, we will use the politics of forest fire management as an analogy to discuss whether market forces should be allowed to pop speculative bubbles, clear the forest floor, and quickly return the market to a state of nature, or if governments and central banks should try to "light fires", to slowly deflate speculative bubbles that, if allowed to burst, could harm the entire economy. (To learn more about why speculative bubbles can happen, read How investors often cause market problems .)
In the case of salaried employees and civil servants, income can usually be read off quite simply from the pay slips. But how does it work with self-employed? How do banks determine the income of self-employed persons or freelancers when granting loans??
Banks take very different approaches to determining the income of self-employed persons. However, they all have in common that they calculate the income on the basis of the actual income of the last 2-3 years. This distinguishes self-employed from employees or civil servants, where the income of the last years is rather uninteresting. Self-employed persons have to go far back into the past and present corresponding proofs of income. These proofs of income consist of the last tax assessment (and the corresponding tax returns) as well as the profit calculations (income surplus account) or corresponding balance sheets.
With the retirement planning much turns around the finances – thoughts and considerations to the optimal housing situation in the age are often forgotten thereby.
Ernst and Maya Regattieri have almost completed their retirement planning. The income situation after retirement has been clarified, the investment strategy has been adapted, and the pension plan, living will and inheritance contract are in place. At a dinner with friends, they talk about living arrangements in old age. The couple realizes that they have not yet given any thought to their housing situation after retirement. The two of them live in the country and bought a house there many years ago with a lot of surrounding land. The Regattieris' friends moved into a two-room apartment after retirement because they spend most of the year traveling with their camper. They want to save on housing costs and prefer to spend a little more on traveling. Of course, the move was not a piece of cake, especially to a smaller apartment, since the big house has accumulated quite a bit over the years. After the aforementioned dinner, Maya and Ernst Regattieri have a lot on their minds: they will probably have to think about their current and future housing situation.
With Horst Hartmann, the main initiators of the citizens' petition "Pro municipal housing association", SPD city chairwoman Patricia Steinberger, SPD parliamentary group chairwoman Anja König and city councilor Gerd Steinberger were able to win over a successful practitioner of municipal social housing for an information evening, which took place last Friday at the Hotel Michel. This is because the city of Kelheim founded its own housing company last year, which has already completed the first social housing units. In the latest social housing project on Starenstrasse, the first social housing units were recently ready for occupancy, with rents of around 5.50 euros per square meter.