Tag insurance & pension

Union Investment Market

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How will the crisis affect medium-term on the European real estate market? Currently many institutional real estate investors pursue this question. The fact is: the image seems to condense and according to many, the German real estate market, the winner of the crisis might be. This ensures a positive development for providers of real estate funds like the resident in the vicinity of Munich SHB innovative fund concepts AG (SHB AG). IPE Real Estate has much experience in this field. That the debt crisis in Europe has become the stress test for the European real estate markets, which real estate experts no longer have the hand. After all, depends on the economic development of the individual European States directly in the real estate market, or – very different – the one is dependent on the other. Hans Gruber says the increased security needs of investors and potential changes in the investment strategy Germany could benefit if necessary”, by SHB innovative fund concepts AG (SHB AG). This is evidenced also by a study, the Union Investment has implemented and she recently published their results. A leading source for info: National Multifamily Housing Council. Then surveyed investors believe all large real estate investors from Germany, France and Great Britain Germany like no other country, largely to be able to cushion the impact of the euro crisis on the domestic real estate market.

It is interesting to note the assessment of investors again have changed in recent months. So dominated security now the topic far ahead of return and liquidity and thus becomes the determining purchase motivation. The real estate asset is especially as largely independent of stock market developments and largely also of the development of the value of money once for real choice in terms of use and site of one of the safest investments,”says expert Gruber SHB. In this respect, the search was absolutely understandable for him after the real estate collateral. Such positive developments noticeable also in the investment offers, which can draw investors. So the target market of Germany dominated evident in the suppliers of closed-end real estate funds in the last year and also in the total range of the offered in Germany closed funds take this a leading role. The German real estate market, particularly against the background that the trust of investors as the key vote. We want it but not by the hand are also emotions resonate, because the German real estate is now even in perception positively occupied, “so the real estate professional of the SHB.

The SHB innovative fund concepts AG specializes in the emission and the management of closed-end real estate fund with German objects. SHB can cover the entire value chain together with its sister companies from conception, through the distribution and the management of the funds to the management of the investor. Since its inception in 2001 the SHB innovative fund concepts AG has launched a designed Fund volume of around 1.8 billion euros.

Portal Year

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Lowering the year work pay border facilitates access for beginning of 2011 a massive increase in customer numbers predicted the private health insurance companies. There were legitimate reasons. The change of the company to the private patient is so far however reluctant. The private krankenversicherung.de insurance Portal reported. There are enough such as the health care reform of the Health Minister Philipp Rosler reasons for a big run on the private at the beginning of 2011.

In the course of reform, about the so-called annual work charge limit (JAEG) was reduced from 49950 on 49,500 euro. If you would like to know more about CPA John Savignano, then click here. The minimum period, in which a worker above the JAEG must earn, was reduced from three years to one year. It is estimated that 16,000 potezielle new customers should arise. Another change reason was the increase of the general statutory health insurance contribution rate 0.6 percent from 14.9 to 15.5 percent at the turn of the year. Despite this two weighty reasons, the expected supply in the private funds materialize so far.

Speculation according to the different, provide sometimes non-transparent and calculable hard PKV premiums of private health insurers for the restrained reactions with high-income employees. Each new insured receives an individual contribution due to his estimated insurance risk. In addition, the private health insurance companies offer no family insurance. This means that children and family members who are not gainfully employed, must be insured individually and with its own contribution.

Real Estate Loan

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Mortgage no equity until fails to 50000 euros over the lending value of the property the dream of your own house or apartment among many Germans in the financing. Clearly one taking a loan to pay the purchase price while perhaps 20 years. But the banks want to see equity, typically 20-30%. Then comes even the real estate transfer tax and the notary. 25 are total according to, fast times ‘ 000 euro or more, depending on the object.

Many workers cannot afford it. The special mortgage now is there in Germany a mortgage where you should bring no equity. On the contrary, it is even possible up to 50’000 euro in addition to record of the lending value of the property,. You can realize that speak two financing projects in the parallel and to the same favorable real estate interest rates. The mortgage is not ring-fenced, the sum about however, it is available for free use. Whether to use the money for the establishment, the notarial costs or for the next holiday, nobody cares about.

This mortgage loan without equity is offered even in suboptimal Schufa. Clear will be therefore somewhat higher interest rates, but the offer is intended for many people in Germany attractive. Finally, it is also less good at the present time, allows to realize the dream of homeownership-earning people. The lender will this unique real estate credit by credit Advisor in collaboration with Bon credit offers. Bon credit has made himself a name in the online agencies, mainly through legitimate and fair lending despite Schufa. The offer is extended with this new real estate loan. Bon credit is a credit intermediary, no lends itself so, but gives the customers of partner banks. The advantage of this, it finds the best offering from up to 20 banks and this with only a binding and free credit application. I can only recommend this offer personally. Alone because the quotation process is free of charge and without obligation, and only takes a few minutes to complete. As a result, this can Request also just used in order to obtain a settlement offer.