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The world seems to me to do much of its toil for that which is not in any sense bread.

Main – Anyone who flirts with the purchase of a home can currently look forward to particularly favorable loans. In the face of the euro crisis, many people invest their money in real estate rather than in securities. What should be considered when buying a property?

 

Picture: House made of Euro bills 

Why is the purchase or construction of a house worthwhile at the moment?

Home builders and home buyers are currently paying a good three percent interest on ten-year loans. Even loans with 20 years fixed interest offer numerous banks for less than four percent interest. Even though prices have increased recently, real estate is still comparatively cheap in a ten-year comparison, according to the Federal Statistical Office.

Are real estate a good investment?

Real estate is not considered a return killer. However, according to consumer experts, they are a sound investment, especially in times of crisis. The value of a property is relatively safe – provided price, quality and location are right. In any case, a real estate purchase should be well considered. The consumer advice Bayern advises to look particularly at the so-called effective annual interest rates for loans.

How do I find the cheapest loan?

Here only a comparison of the different providers helps. For this, builders and buyers can use comparison computers on the Internet. Even consumer magazines and newspapers always provide current interest rates.

How does a construction loan work?

Loans for houses or apartments usually run for ten, 20 or 30 years. As a rule, interest rates are only set for a limited period of several years. If, for example, this so-called fixed interest period expires after ten years, the bank and the customer negotiate the extension of the loan. The builder can then also umschulden and switch to a cheaper provider. Consumers should seek new offers several months before the deadline expires.

Are the credit rates always fixed?

In itself, fixed monthly installments are agreed. However, many banks are granting construction credits with special repayment rights – the right to free repayment of money in addition to the agreed rates. It can also be negotiated that the client can adjust the rates, such as when the income changes.

How much money do I have to raise myself?

Financial experts see equity of 20 to 30 percent of the house price as a solid base. For their offered top interest rates, however, banks often want to see 40 percent equity. Some banks are also willing to finance the full purchase price. But they often demand hefty risk premiums on interest.

Is there money from the state?

The State Development Bank KfW offers loans, for example, for the purchase of owner-occupied residential property, energy-efficient construction and renovation or for age-appropriate living. In addition, the state pays the housing premium of 8.8 percent in building society savings. Repayment installments of loans can be deducted in part from the tax. There is also state support in the form of the so-called residential Riester for the purchase of self-used real estate for retirement.

What happens if I become unemployed or incapacitated for work?

Risks such as these can be fully or partially covered by various insurance policies. Thus, there are insurance against occupational disability, unemployment, life insurance or residual debt insurance, each covering different vicissitudes. Consumers should seek good insurance cover before concluding a policy and a home loan.

 

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06.02.2017 – Insurance tip

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  • According to a forsa poll, 28 percent of Germans would opt for an alternative drive when buying a new car.
  • Electric cars are more sensitive to cold than petrol and diesel vehicles.

Hybrid, electric and gas cars are among the most popular vehicles with alternative propulsion: They protect the environment, resources and, in the long term, also the wallet. For more and more German drivers are enough reasons to switch to the next car purchase of petrol or diesel vehicle on one of the new variants. But how do electric cars & Co. behave in wintry temperatures? Roman Wagner, a car insurance expert from CosmosDirekt, explains what owners should look for.

Diesel and LPG drive: switch to winter fuel
Alternative drives are still rare on German roads. According to a forsa survey commissioned by CosmosDirekt, only 3 percent of motorists currently drive the "green" future models. In 10 years, that could already look different: Almost one in three (28 percent) would opt for a new car for a car with hybrid engine, gas or electric drive. "Vehicles powered by diesel or LPG run without any problems even at temperatures below 0 degrees Celsius. The prerequisite is that the winter diesel or winter gas used in Germany during the cold season is refueled with a modified composition, "says Roman Wagner.

Electric cars: less range at minus degrees
What many do not know: In contrast to the conventional drive, the electric version is the most susceptible to cold. Even temperatures below -5 degrees reduce the capacity of the electric car battery significantly. This can lead to the usual range of vehicles being significantly reduced. "The battery is the heart of the electric car and a very expensive component. It is best to protect them against damage, such as full or partial comprehensive insurance. Individual insurers also offer the option of protecting against damage caused by operating errors such as deep discharge or overcharging, "explains Roman Wagner.

  • Drive systems 91 KB

  • 1 Population-representative survey "Auto-emotions" by the opinion research institute forsa on behalf of CosmosDirekt. In May 2016, 2,004 motorists aged 18 and over were interviewed in Germany who own a car in the household.

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Press contact CosmosDirekt

Stefan Gobel

0681-9 66 71 00

0681-9 66 66 62

presse@cosmosdirekt.de

Sabine Gemballa

0681-9 66 75 60

0681-9 66 66 62

sabine.gemballa@cosmosdirekt.de

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A company of Generali Germany

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Putin forgives most of the debt to Cuba and will help against the “illegal” blockade of the United States

  • It is 90% of the debt of Cuba, valued at 31,700 million dollars, contracted in the Soviet Union.
  • Fidel Castro reappears, with good looks and sportswear, in a “cordial and friendly” meeting held in his dome with Vladimir Putin.
  • The Russian president paid tribute to the Soviet internationalist soldier and José Martí, national hero of the Caribbean island.
Fidel Castro y Vladimir Putin

Former Cuban leader Fidel Castro greets Russian President Vladimir Putin on his visit to Havana. EFE

Russia intensified its bilateral relations in the political and economic areas on Saturday with the official visit to Havana of President Vladimir Putin, who ratified the “strategic” importance of the island in Moscow’s foreign policy.

Cuba, Russia’s oldest ally in Latin America, was chosen by Putin to make the first stop of his tour of the area, which will continue in Argentina and conclude in Brazil , as part of his interest in approaching this region that he considers ” key”.

In less than twenty-four hours, the head of the Kremlin concentrated an agenda that included meetings with his counterpart Raul Castro, also with his brother Fidel, leader of the Cuban revolution, witnessed the signing of ten agreements, and paid tribute to the Soviet internationalist soldier and National hero of the island, José Martí.

 

Putin and Fidel Castro -released from power by a disease since 2006- had a “cordial and friendly” meeting in which they recalled the “historical ties” of both countries and the growing bilateral economic-trade ties, and also exchanged views on the situation international.

Fidel Castro explained to Putin the studies he is doing on the production of food in tropical and subtropical areas that he considers to be the only efficient formula to face the threats of climate change and inequalities.

The meeting took place at the Havana address of Fidel Castro, judging by several photographs published by the official website Cubadebate , in which the old leader of the Cuban revolution is seen with good looks and the usual sports clothing that he has worn since he retired.

Raúl Castro recalled that without the help of the Soviet bloc the Cuban revolution could not have survived

The Russian leader arrived in Havana shortly after signing a law that has condoned 90% of the debt of 31,700 million dollars contracted by Cuba with the former Soviet Union.

On that decision, the president of Russia stressed that they are creating “new conditions” to develop relations between his country and Cuba, a stage that, he explained, aims to strengthen economic and trade cooperation, and noted that bilateral work It is “constant” .

The gesture of the Government of Moscow to forgive the debt of the island was grateful for Raul Castro as “another example and again a great palpable generosity of the Russian people towards Cuba.”

The Cuban leader took the opportunity to remember that without the help of the Soviet bloc the Cuban revolution could not have survived, and also to express his support for Putin’s current international policy, which he described as “intelligent” and praised for its “firmness”. “

Castro was also “very satisfied” with the current state of relations between Cuba and Russia after the new stage that began in 2000, when Putin made his first trip to the island.

Ten agreements

At the end of the official talks, Castro and Putin attended the signing of a package of ten agreements and memoranda to expand bilateral cooperation in areas such as oil exploitation, agreed between the Russian company Rosneft and the company Unión Cuba-Petróleo .

Representatives of both governments also signed a joint declaration on “the first non-installation of weapons in the cosmic space “, an agreement “in the guarantee of international information security”, and formalized a program of cultural collaboration.

You have to change the protocol, I recommend not wearing a tie, but a guayabera, a hat, shorts and sandals

In addition, they adopted six memoranda of understanding covering the sectors of health, industry, disaster care, the construction of electricity generation units, the production of luminaries and the creation of a regional center for training of rescue and Cuban-Russian firefighters .

Among other projects, Putin said that both parties are working on a program of economic-commercial-scientific-technical development until 2020 and they keep their “business councils” active.

The good humor of Raúl Castro during the visit was made clear to the journalists when accompanying his Russian counterpart to the Mausoleum to the Soviet Internationalist Soldier , at which point, in a humorous tone, he proposed to change the rules of official protocol of the island due to the high summer temperatures.

“We must change the protocol of Bruno (Rodríguez, the Cuban chancellor),” Castro said, and recommended “not to wear a tie” in Cuba, but “guayabera (national garment) and a hat, shorts and sandals. “

Even joked to suggest that “this country is not to work, much less to war, this country is to rest .”

The intense program of Putin in Havana, almost all the time accompanied by his counterpart Raul Castro, concluded with the farewell at the José Martí International Airport , from where the Russian president flew to Nicaragua, a visit that had not been previously announced.

  • Fidel Castro and Vladimir Putin

    Former Cuban leader Fidel Castro greets Russian President Vladimir Putin on his visit to Havana. (EFE)

    “> Fidel Castro and Vladimir Putin

 

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