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1) An offer of 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, duration 60 months, 60 installments, net loan amount 2.890 €, total amount 3.027,00 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3,99%, fixed borrowing rate pa 3,92%, monthly installment 53,12 €, 60 installments, term 60 months, net loan amount 2,890 €, total amount 3,187.20 €
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1) An offer from 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, duration 60 months, 60 installments, net loan amount 3,600 €, total amount 3,770.40 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3.99%, fixed borrowing rate pa 3.92%, monthly installment 66.17 €, 60 installments, 60 months, net loan amount 3.600 €, total amount 3.970,20 €
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1) An offer of 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, duration 60 months, 60 installments, net loan amount 2.990 €, total amount 3.131,40 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3.99%, fixed borrowing rate pa 3.92%, monthly rate € 54.96, 60 installments, term 60 months, net loan amount € 2,990, total € 3,297.60
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1) An offer from Santander Consumer Bank, Santander-Platz 1, 41061 Mönchengladbach: effective annual interest rate 2.48%, fixed borrowing rate pa 2.454%, duration 60 months, 60 installments, net loan amount 1.900 €, total amount 2.020,80 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual percentage rate 2,848%, fixed borrowing rate pa 2,811%, monthly rate € 33.98, 60 installments, term 60 months, net loan amount € 1,900, total € 2,038.80
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1) An offer from Santander Consumer Bank, Santander-Platz 1, 41061 Mönchengladbach: effective annual interest rate 2.48%, fixed borrowing rate pa 2.454%, duration 60 months, 60 installments, net loan amount 1.100 €, total amount 1.170,00 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual percentage rate 2,848%, fixed borrowing rate pa 2,811%, monthly rate € 19.67, 60 installments, term 60 months, net loan amount € 1,100, total € 1,180.20
 

 

 
You have ~ numberOfFavourites ~ Vehicles in your watchlist For comparison

1) An offer of 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, duration 60 months, 60 installments, net loan amount 2.500 €, total amount 2.618,40 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3,99%, fixed borrowing rate pa 3,92%, monthly rate 45,95 €, 60 installments, duration 60 months, net loan amount 2,500 €, total amount 2,757.00 €
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You have 0 vehicles in your watchlist

 
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1) An offer from 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed lending rate pa 1.83%, duration 60 months, 60 installments, net loan amount 3.950 €, total amount 4.137,00 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3.99%, fixed borrowing rate pa 3.92%, monthly installment 72.60 €, 60 installments, 60 months, net loan amount 3.950 €, total amount 4.356,00 €

 

 
You have ~ numberOfFavourites ~ Vehicles in your watchlist For comparison

1) An offer of 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, duration 60 months, 60 installments, net loan amount 4.890 €, total amount 5.121,60 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3,99%, fixed borrowing rate pa 3,92%, monthly rate 89,88 €, 60 installments, duration 60 months, net loan amount 4,890 €, total amount 5,392.80 €
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1) An offer from 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, term 60 months, 60 installments, net loan amount € 4,280, total € 4,482.60. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3,99%, fixed borrowing rate pa 3,92%, monthly rate 78,67 €, 60 installments, duration 60 months, net loan amount 4,280 €, total amount 4,720.20 €
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You have 0 vehicles in your watchlist

 
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1) An offer from 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, term 60 months, 60 installments, net loan amount 3,500 €, total amount 3,665.40 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3,99%, fixed borrowing rate pa 3.92%, monthly installment 64.33 €, 60 installments, 60 months, net loan amount 3.500 €, total amount 3.859,80 €
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You have 0 vehicles in your watchlist

 
You have ~ numberOfFavourites ~ Vehicles in your watchlist For comparison

1) An offer from the Santander Consumer Bank, Santander-Platz 1, 41061 Mönchengladbach: effective annual interest rate 2.48%, fixed borrowing rate pa 2.454%, duration 60 months, 60 installments, net loan amount 1.299 €, total amount 1.381,80 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual percentage rate 2.848%, fixed borrowing rate pa 2,811%, monthly installment € 23.23, 60 installments, term 60 months, net loan amount € 1,299, total € 1,393.80
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You have 0 vehicles in your watchlist

 
You have ~ numberOfFavourites ~ Vehicles in your watchlist For comparison

1) An offer of 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, duration 60 months, 60 installments, net loan amount 2.500 €, total amount 2.618,40 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3,99%, fixed borrowing rate pa 3,92%, monthly rate 45,95 €, 60 installments, duration 60 months, net loan amount 2,500 €, total amount 2,757.00 €
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You have 0 vehicles in your watchlist

 
You have ~ numberOfFavourites ~ Vehicles in your watchlist For comparison

1) An offer of 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, duration 60 months, 60 installments, net loan amount 7.250 €, total amount 7.593,00 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3,99%, fixed borrowing rate pa 3,92%, monthly rate 133,25 €, 60 installments, duration 60 months, net loan amount 7,250 €, total amount 7,995.00 €
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You have 0 vehicles in your watchlist

 
You have ~ numberOfFavourites ~ Vehicles in your watchlist For comparison

1) An offer from 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, duration 60 months, 60 installments, net loan amount 5,250 €, total amount 5,498.40 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3.99%, fixed borrowing rate pa 3.92%, monthly rate € 96.49, 60 installments, term 60 months, net loan amount € 5,250, total € 5,789.40
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You have 0 vehicles in your watchlist

 
You have ~ numberOfFavourites ~ Vehicles in your watchlist For comparison

1) An offer from 1822direkt, Borsigallee 19, 60388 Frankfurt am Main: effective annual interest rate 1.85%, fixed borrowing rate pa 1.83%, duration 60 months, 60 installments, net loan amount 3.980 €, total amount 4.168,20 €. Representative example acc. § 6a PAngV 2/3 of all customers receive: annual interest rate 3,99%, fixed borrowing rate pa 3,92%, monthly rate 73,15 €, 60 installments, 60 months, net loan amount 3,980 €, total amount 4,389.00 €

** Further information on official fuel consumption and official CO2 emissions of new passenger cars can be found in the ‘Guide to Fuel Consumption, CO2 Emissions and Electricity Consumption of New Passenger Cars’, which is available at all outlets and at Deutsche Automobil Treuhand GmbH at www .dat.de is available free of charge.

*** Your details are used by Verivox GmbH exclusively for the provision of our products, consulting and placement services as well as for our own direct marketing purposes (such as our newsletter). This may be done with the involvement of service providers. Disclosure to third parties (eg energy suppliers or telecommunications providers) is only to fulfill the contract or if we are legally obliged to do so . We are happy to send you information about similar products or consulting and brokerage services of Verivox GmbH via your e-mail address. If you no longer wish to receive further information from Verivox GmbH, you may object to the use of your e-mail address at any time by sending an informal message to the following address: Verivox GmbH, Customer Service, Am Taubenfeld 10, 69123 Heidelberg, Germany, by phone 06221 7961-100, by fax to 06221 7961-8669 or by e-mail to service@verivox.de, without incurring other than the transmission costs according to the basic rates.

     

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    Pension & Pension Disability insurance termination

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    insurance advisor How can I cancel my BU? Which points should I pay attention to? Answers to these and other questions can be found here.

    The occupational disability insurance (BU) can ensure the financial security of the person concerned in the event of loss of the employee. Meaningful termination of the BU is therefore usually only if the customer can expect a better price-performance ratio at another provider and has a good state of health. However, anyone wishing to terminate their policy should be aware that this can lead to unpleasant consequences.

    Berufsunfähigkeitsversicherung kündigen

    Disability insurance:
    Consider termination well.

    Types of termination of disability insurance

    Basically one differentiates between two different possibilities to terminate. With proper dismissal , disability insurance can be terminated at the end of the insurance year taking into account the minimum contract period. Depending on the provider, the contractual notice period is usually between one and three months. If the customer pays his insurance premiums not annually but in installments over the year, he may also terminate the insurance according to the cancellation period before the next premium payment.

    The customer is then entitled to an extraordinary termination of the disability insurance if the insurance company changes certain conditions of insurance for the tariff during the term of the contract and the insured person is affected. This can be the case, for example, if the disability insurance costs are increased without the benefits being improved accordingly. For contracts concluded prior to June 24, 1994, there may be special conditions for termination of the BU.

    Cancel occupational disability insurance – what to look out for?

    If the insured wishes to terminate his disability insurance, he must strictly adhere to the notice period and other formalities and conditions . Otherwise, the termination is not final and the insurance contract will continue. The termination should be submitted in writing and by post as a registered letter with acknowledgment of receipt . A registered letter costs a little more than a standard letter, but this ensures that the letter of termination was actually accepted by the insurance company. An alternative is the cancellation by fax. The transmission of the BU termination by e-mail is usually not sufficient.

    Special case: Termination of the BUZ

    Those wishing to terminate their occupational disability insurance but not having it as a separate policy (SBU) but as a combined insurance (BUZ) must expect a more complicated procedure. Since the cover for occupational disability in this case was concluded as an addition to another main insurance, this can also be affected by the termination . For a BUZ in combination with a life insurance, this can mean, for example, that the life insurance must be dissolved. Special notice periods may apply for the cancellation of the BUZ, which are based on the terms and conditions of the main insurance.

    Can the insurance for their part cancel the BU?

    Not only the insured, but also the insurance company itself has the right to terminate a current occupational disability insurance. This applies in particular if it can prove that the policyholder is in breach of contract . A typical case is the violation of the obligation to disclose the risk assessment . If, for example, the insured person has made false statements in the occupational disability insurance health questions relating to his previous illnesses, this is a reason for the insurance company to terminate the contractual relationship. In addition, they do not have to repay the already received contributions and can even stop the payment of the BU pension.

    Cancel and change BU

    Switching to another occupational disability insurance may be advisable. If the contributions are only badly affordable for the insured, because they have been increased or the personal life situation has changed, a solution must be found. If the policyholder is only temporarily in financial difficulty, he should first try to obtain an occupational disability insurance contribution exemption. In this way he can suspend the payment of the premiums for a certain period of time . However, if the financial problem is permanent or the customer dissatisfied with his insurer’s services, he should keep a cool head and act strategically.

    First of all, the insured must decide whether he wants to terminate the occupational disability insurance only, or even wants to change to another provider. Since the BU is an existential protection, the complete abandonment of a BU is associated with a high financial risk . The causes of occupational disability are varied and young professionals have a 40 percent chance of being affected in their lives.

    Anyone who has decided to change to another company, should not immediately terminate the BU , but first make a disability insurance comparison or get a personal offer. If a tariff with attractive conditions of insurance, favorable contributions and good achievements is found, the customer should make an application with the desired offerer even before the termination of its current BU. Reason: As health advances increase with advancing age, these may adversely affect the necessary risk assessment. If the customer is denied due to health issues, he does not run the risk of having to do without protection. The termination of the insurance should therefore never occur before the insured does not have the promise of another provider .

    Cancel disability insurance = return money?

    With the termination of an occupational disability insurance, the policy is often converted by the company into a non-contributory BU . Condition is that already a certain minimum amount of premiums has been paid. However, the monthly BU pension is significantly reduced .

    Some tariffs already provide in the conditions of insurance that the customer receives back a part of the contributions after the termination of its BU. However, this service is also reflected in increased contributions.

    Long-term consequences of termination of a disability insurance

    The policyholder should be aware, prior to the termination of his disability insurance, that under certain circumstances he may never again be protected against the risk of disability . With increasing age, the risk of being rejected by an insurance company based on health issues also increases. In any case, an increased age of accession is accompanied by an increase in contributions with consistent benefits. Depending on the state of health, risk surcharges or exclusions of benefits are to be expected.

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    Festgeld

     

    TÜV Saarland Service Tested Note 1,6
     

     

    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

     
     

    Termingeld: Sicherheit durch eine garantierte Verzinsung

    Termingeld ist eine Form der Geldanlage, bei der der angelegte Betrag dem Sparer erst zu einem bestimmten Zeitpunkt (Fälligkeit) wieder zur Verfügung steht. Eine Termingeldanlage bietet sich immer dann an, wenn gewiss ist, dass das Kapital nicht kurzfristig benötigt wird. Im Termingeld-Vergleich auf Verivox.de finden Sie die besten Konditionen für Ihre Anlage.

    Formen von Termingeld: Festgeld und Kündigungsgeld

    Es gibt zwei verschiedene Varianten dieser Geldanlageform. Die wohl bekannteste ist die Festgeldanlage. Festgeld ist besonders dann interessant, wenn das Zinsniveau zum Zeitpunkt der Anlage hoch ist. Denn bei dieser Termingeld-Variante sind die Zinsen keiner Fluktuation unterworfen, sondern werden für die vereinbarte Laufzeit in ihrer Höhe garantiert. Selbst wenn der Leitzins deutlich gesenkt wird, bleibt es bei der zugesagten Verzinsung. Am Ende der Laufzeit verlängert sich das Festgeld üblicherweise automatisch um den gewählten Anlagezeitraum, wenn es der Anleger nicht fristgerecht kündigt. Erst jetzt wird der Zinssatz entsprechend der aktuellen Marktsituation angepasst. Die erwirtschafteten Zinsen werden dem Festgeldkonto gutgeschrieben und bei der verlängerten Anlage mitverzinst.

    Die zweite Möglichkeit ist das Kündigungsgeld. Der Vertrag für das Kündigungsgeld läuft solange weiter, bis der Sparer ihn kündigt. Die Kündigungsfrist ist dabei vertraglich festgeschrieben, der Zinssatz ist jedoch variabel.

    Tagesgeldkonten

    Nicht zum Termingeld gehören Tagesgeldkonten. Wer einen reinen Termingeldvergleich durchführen will, sollte im Verivox-Rechner Tagesgeldangebote ausschließen. Diese Anlageform bietet zwar geringere Zinsen als das Festgeld, ist aber flexibler, weil der Anleger das Kapital von einem auf den anderen Tag abrufen kann. Für Tagesgeldkonten gibt es keine Zinsgarantie. Die Wahl zwischen Tages- und Festgeld hängt also in erster Linie davon ab, ob dem Sparer Flexibilität oder eine sichere, im Voraus berechenbare Rendite wichtig ist.

    Termingeld vorzeitig kündigen

    Achtung: Wenn Anleger das Termingeldkonto vor dem vereinbarten Ablaufdatum kündigen, droht ein Zinsverlust. Deshalb ist es wichtig, die Fristen möglichst genau zu planen, damit das Geld rechtzeitig zur Verfügung steht und die erwartete Rendite erwirtschaftet wird.

    Die Rechtsgrundlagen für das Termingeld

    Termingeld ist nach §1 Absatz 1 Nr. 1 des Kreditwesengesetzes ein Bankgeschäft, das der Kontrolle der Bankenaufsicht unterliegt. Deshalb ist es nur Kreditinstituten erlaubt, Termineinlagen anzunehmen. Das Termingeld gilt als befristete Verbindlichkeit mit einer Laufzeit von einem Monat bis zu mehreren Jahren. Bevor die dritte Stufe der Währungsunion in Kraft trat, galt die Frist für bis zu vier Jahre.

    Die Einlagensicherung

    Termingeld unterliegt, wie alle anderen Bankguthaben auch, der gesetzlichen Einlagensicherung. Diese besagt, dass der angelegte Geldbetrag nicht verloren gehen darf. Hier gibt es Obergrenzen, die die Kreditinstitute häufig durch eine über die gesetzliche Verpflichtung hinausgehende freiwillige Einlagensicherung absichern.

    Mit Termingeld darf gehandelt werden

    Einer der wichtigsten Pfeiler des Finanzsystems ist der Geldmarkt. Der Handel mit Tages- und Termingeld ist ein Teil dieses Marktes, den spezialisierte Broker meistens über elektronische Handelssysteme ausführen. Das Handelsvolumen in US-Dollar und Euro bewegt sich dabei täglich im dreistelligen Milliardenbereich. Als Drehscheibe für diesen Handel fungieren die Zentralbanken der jeweiligen Währung.

    Attraktive Gründe für den Handel

    Was aber ist der Zweck, sich an diesem Handel zu beteiligen? In erster Linie ist der Grund das Cash Management. Wirtschaftlich tätige Unternehmen haben entweder einen Kapitalbedarf oder Kapitalüberhänge. Außerdem ist ein kontinuierlicher Liquiditätsfluss vorhanden, auf dessen Basis die Geschäfte abgewickelt werden. Die Liquiditätslage ist aber unter Umständen starken kurzfristigen Schwankungen unterworfen. Hier sorgt der Handel mit Tages- oder Termingeld für einen entsprechenden Ausgleich.

    Zur Verdeutlichung dient ein Beispiel

    Ein Unternehmen hat Verbindlichkeiten in Höhe von zehn Millionen Euro, die bald fällig sind. Die Liquiditätsprognose zeigt jedoch an, dass für etwa 14 Tage auf dem Girokonto ein Fehlbetrag von vier Millionen Euro erscheint. Deshalb leiht sich das Unternehmen bei der zuständigen Geschäftsbank Termingeld von anderen Kunden, um den Liquiditätsengpass auszugleichen. Dafür fallen Zinsen an, die in der Regel über dem Zinssatz liegen, den das Kreditinstitut mit dem Anleger für sein Termingeld vereinbart hat. Für die Bank ist es ein sicheres Geschäft, weil die Anleger sich verpflichtet haben, ihr Termingeld für einen vorher festgelegten Zeitraum nicht in Anspruch zu nehmen.

    Eine Mischform aus Tages- und Termingeld

    Neben Tages- und Termingeld gibt es das sogenannte Callgeld. Anders als beim Tagesgeld beträgt die Frist für Anlage und Rückzahlung nicht 24, sondern 48 Stunden. Im Unterschied zum Termingeld sind bei Callgeldern die Zinsen nicht festgeschrieben. Sie können innerhalb des 48-Stunden-Zeitraums jederzeit angepasst werden. Seinem Wesen nach bezeichnet man Callgeld deshalb häufig auch als eine Art Kontokorrent oder Kontokorrentkredit.

     

    Hand stapelt Münzen auf Tisch im Garten

    Tagesgeld und Festgeld im Vergleich

     
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    Low mortgage rates are not just a dream. To extend the repayment of many loans well into retirement age

    “Come to the winner,” the finance broker praises Interhyp on its website and presents a cute little slide rule, which is to pave the way out of the apartment for rent to own home: “You can afford it!” At 1000 Euro rent Interhyp promises 306,123 euros, Bargeld, in 1400 euro rent there are a whopping 428,572 euros as a loan. A fool, whoever still rented so discreetly gave glad tidings of the financial broker.

    A fool who takes these loans totals literally. For the assumptions underlying Interhyp puts its digital toys, are refreshingly sale Orientation: The interested party has abundant capital, has only a first mortgage and is especially young. So young that he has removed with an initial repayment of 2 percent until his retirement all debts. But today only provide borrowers who are younger than 35th.

    All older grope with the totals from the digital slide rule in a case that presents them as low-interest rates. Namely, the fact is that the repayment of a loan the longer it takes, the lower the interest rate is- original post. And at extremely low-interest rates it lasts – with the same repayment rate mind you – extremely long: What will take another 17 years and 11 months at an interest rate of 10 percent, dragging himself at an interest rate of 1.5 percent already 37 years and 4 months out.

    Cheap loans have a cloven hoof

    The currently very low-cost loans actually have a drawback: They tempted by excessive debt and too low repayment. And both ends with incredibly long maturities of loans and significant interest rate risks for borrowers at the end of the fixed interest rate. Property developers should, therefore, calculate from the start with higher repayment rates today. Experts recommend to orient at the beginning of the pension. No later than that date should, for example, the Stiftung Warentest, the debt be repaid.

    Sometimes they err experts. Helmut Keller, author and debt counselor who has written on the Internet for “Gabler Wirtschaftslexikon” the keyword annuity is transferred from the current mortgage rates of error. The life of a loan writes Keller, “is at an initial repayment of 1 percent, depending on the interest rate and principal accounting 30-40 years.” Not really: The correct procedure would have been to go from 30 to 70 years.

    In fact, it takes on a loan interest rate and an initial repayment of one percent, almost 70 years for a mortgage loan is paid off. Seventy! Or it takes exactly 55 years if the agreed interest rate is two percent and is also repaid only one percent. No doubt: Who expects a percent early repayment today, calculates its ruin. Only after more than four percent loan interest rate, the repayment period decreases 40 years under the noted Keller. You can twist and turn as you want, the lower the interest rates, the longer it takes to repay the debt.

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