Useful tips and background information on the topic of finance

Useful tips and background information on the topic of finance

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KfW 40, KfW 55, KfW 70: Overview of Efficiency House Standards Anyone who builds an efficiency house or renovates an existing property to become an efficiency house receives KfW funding. We introduce the most important efficiency house standards. Energy-efficient refurbishment with KfW 430 or KfW 151/152 New heating, new windows and more insulation: There is so much KfW funding for the energy-efficient renovation of your home. KfW funding for new construction, purchase and modernization KfW funding is available as a subsidy or as a low-interest loan. We give an overview of the most important funding programs. It does not get any faster – fully digital credit saves time and effort If a loan request does not tolerate any delay, the fully digital loan is ideal. Only a few minutes pass from the first request to the binding conclusion. To increase your pension: You save extra for 1000 Euro pension Who wants to lead a life in prosperity in old age, should start in time to save. How much you need to set aside for 1,000 euros extra pension monthly. Increase pension: how much you need to save pension for 500 euros If you want to save money for a small supplementary pension, you should pay attention to two principles: Start early and invest with high returns. We give valuable tips. How should I invest 100,000 euros? Pay off loans, buy a property, buy stocks: Who can invest 100,000 euros, has many possibilities. How to develop the optimal strategy. Saving Thousands of Euros with Mortgage Repayments on Mortgage Lending In a model calculation, borrowers save almost 14,000 euros thanks to regular special repayments. Important: The loan agreement must allow additional repayments. Create 10,000 euros: in six steps to the optimal strategy For a sound investment, you do not have to be a financial professional. We reveal the most important principles and give simple tips for every type of investor. Mortgage rates: small differences, big impact In mortgage lending, the smallest differences in the interest rate have enormous consequences. 0.2 percentage points means a cost difference of over 4,400 euros. Interest rate development and interest rate forecast for savings and loan interest The monetary policy of the ECB has led to historic lows in savings and lending rates. Investors and borrowers wonder: When will interest rates rise again? Daily and fixed-term: What makes inflation out of savings? The daily and fixed-term interest rates are below the inflation rate and produce negative real returns. With these tips, savers still keep their money together. Funds as investment: How to find the optimal funds Thanks to funds, even small investors can invest in a broadly diversified portfolio. We explain which funds are available and how investors find the right fund. Three savings tips for the credit card A credit card not only facilitates daily payments. It can also actively save money. How to reveal three savings tips for the credit card. Indispensable in spite of interest rate hikes – three tips for your daily allowance Especially when the interest rates are in the basement, savers should heed three important tips for their daily money investments, so they do not lose money. Save 100 euros per month: Long-term assets Saving is also worthwhile with small sums. How much money you can save depending on term and interest already with 100 euros per month. What house I can afford? If you want to fulfill your dream of a home, you have to ask yourself this question at the beginning. How to determine the maximum purchase price that you can finance. How much money belongs to which account? Savers should not park too much money without interest on the current account. With these tips and simple rules of thumb, you make the most of your savings. How do I find the right loan? With the appropriate installment loan, larger purchases can be conveniently financed. Verivox shows how to find your preferred loan online. Installment Loan: Get the account balance out of the minus An installment loan is not only suitable for financing consumer goods, but also to compensate for an expensive syndicated loan. Prerequisites for lending Banks want to avoid credit losses as much as possible. Therefore, they use certain criteria to assess how probable the repayment of the loan is. Credit Loss: Calculate cost and savings potential of debt restructuring In a rescheduling, an existing loan is replaced by a new loan. A loan repayment is usually cheaper than a premature repayment. Credit without Schufa: serious opportunities despite Schufa entry Schufaneutral credit comparison and 8 other ways to get a loan despite a weak Schufa score or even without a Schufa exam. The pros and cons of a residual debt insurance A residual debt insurance protects not only the borrower in case of cases, but also the bank from payment defaults. But how meaningful is this insurance really? Build and buy: what to look for in the calculation Low interest rates make it easy for budding homeowners. However, it is important to carefully calculate the rate and the desired loan volume. Renovation: What financing options are available? With a renovation, the apartment is upgraded and energy costs can be lowered. What financing options are there? Advantages and disadvantages of the rental deposit guarantee What is the benefit of a rent deposit guarantee for tenants and landlords? And how does it differ from a cash deposit? All advantages and disadvantages at a glance! Terminate leasing contract: possibilities and special cases Anyone who wants to terminate a vehicle leasing agreement quickly realizes that there are hardly any opportunities to get out of the contract. Change of Account: Easier change thanks to account change service With a digital change service, switching to a free checking account is easier than ever. We explain step by step how to proceed. Everything worth knowing about the account opening If you want to open a checking account, you are spoiled for choice – read here what is important! Checking account with starting balance Banks often lure customers with a starting balance when opening a new current account. These are the advantages and disadvantages. Card Lockout: How to lock your bank card and credit card If bank card or credit card are gone or stolen, swift action is required. Bank customers should have the card blocked to protect their account. Retrieve transfer It quickly happened: a payer and already the transfer goes to the wrong recipient. So the credit card does not become a debt trap Spontaneous purchases on the net, participation in bonus programs: Classic credit cards offer many advantages. At the same time, however, they carry a debt risk. Use credit card – these requirements must be met There are several requirements for obtaining a credit card. The most important information at a glance. Credit card payment on the Internet: Secure with the SecureCode Shopping online on the sofa and paying with your credit card – no problem when it comes to security. Credit card abuse – what to do? How Customers Deal with the Loss or Abuse of the Credit Card – and How to Prevent Abuse. Dangers in online banking and how to protect yourself Fraudsters manage to manage foreign money in their own accounts in ever more sophisticated ways. But who observes some rules, can greatly reduce the risk potential. Deposit Insurance: Your money is so safe If you want to invest your savings domestically, you can trust that legal and voluntary security systems can compensate for bank failures. Withdraw money abroad Taking money abroad can be expensive. Consumers should know this so that withdrawing money at the ATM does not become an unplanned cost trap. What to pay attention when paying with credit cards abroad Cashless payment is convenient – even when traveling abroad. The payment is fast and secure, if some rules are observed before and during the vacation. International transfer from checking account – how it works! Foreign transfers are subject to different regulations depending on the recipient country. The tax assessment is there: Check, object, benefit Who receives the tax assessment from his tax office, should take him under the microscope. Because mistakes may be worth cash. Retain interest gains tax-free In Germany, interest income is subject to withholding tax. Nevertheless, there are ways to withhold interest gains tax-free. Financial and insurance tips for wedding couples He who marries shares his life with his partner. But what about common finances and insurance? This way, married people can save and save. Achieve a lot with little money: saving tips for job beginners Starting your career is a good time to start building your wealth. It depends on two things: the right order and enough flexibility. Saving for children: Which investment is suitable for the next generation? Saving for children is extremely useful. Here you will find the optimal investment for your child, which offers enough return, security and flexibility. Child benefit for adults: when parents are entitled If the offspring comes of age, parents may continue to receive child benefit. The most important questions and answers. Saving for apprentices: even small amounts add up The first income is usually narrow. The fewest trainees therefore want to give their earnings for savings plans. But that could be a mistake, because saving is always worthwhile. Asset accumulation: savings in the middle phase of life Debt reduction and saving – that should do all consumers between the ages of 30 and 50 years. Because with leaving the professional life, the money is usually scarce. Asset accumulation: saving in the different phases of life Everyone should start saving in time – even those who earn little money. Even small contributions will become a stately asset in the long run. Pension power of attorney: secure in case of emergency A sudden accident, illness or old age – What happens if you can not anymore? Find out how to protect yourself properly with a preventive power of attorney. Tips for the Riester pension: Turbosaving with low contributions Additional old-age provision is indispensable and those who rent, can secure allowances and tax benefits from the state and thus improve his pension. Pension gap: how much are you missing in old age? For many young people, the financial security in old age is future-oriented. However, those who recognize gaps in care at an early stage can make targeted provision. The Five Rules of Warren Buffett: Tips for Investing Warren Buffett enjoys cult status among investors around the world: the basis for his success in buying and selling investments are five rules that everyone should take heed. Save depending on the phase of life

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