European Central Bank

Interest rates leave the lows… Although investors interpret the improving economic environment as very positive for the stock market for several months and all over the world have driven the major indexes to year highs, also the capital market interest rates had fallen. It is clear that the zero interest rate policy of the US Federal Reserve and the Bank of Japan, as well as the near zero interest rate policy of the Bank of England and the European Central Bank (ECB) have equipped the markets and the banks in particular – with tremendous liquidity at low cost. This cheap money is currently pushing the development in almost all market segments and again leads to excessive speculation. Especially the dollar suffers from currently this situation, because many investors borrow dollars at low cost to buy assets in other currencies that. If you would like to know more then you should visit Robert Kiyosaki.

This development could become a growing problem for Europe, because an ever stronger euro slows exports and making imports cheaper. A stronger euro so resembles a rate boost at a time the ECB, which wants to keep key interest rates stable. It is currently making them difficult to see where any inflation impetus should come from. It seems the Declaration to be why, despite a flood of new bonds also the longer maturities remain fairly stable low. We assume that we will see 10-year interest rates, compared to the mortgage bond yields in a range between 3.75 and 3.90% (currently 3.83%) in the next few weeks.

Construction financing customers should take advantage of therefore consistently days with rashes down to the attachment of conditions to obtain possible long-term pricing security. The choice of the right financing structure in terms of maturity, repayment options and use of funding is particularly important in these volatile market phases. So combinations of 5 year olds and 15 – or 20-year interest bonds can be very useful because they combine high costing accuracy with lower monthly charges and flexibility for future repayment. Are currently high demand known as Volltilgerdarlehen, providing a continuous rate until final repayment. The higher set eradication leads to condition benefits due to the steep yield curve. Also so-called combined loans are currently like elected because they benefit from the low money market rates. We can access more than 100 banks and gladly develop a custom solution for you. Top construction interest by September 16, 2009 3.12% nom., 3.16% eff. Fixed-rate nominal effective * 5 years after: 3.12% 3.16% 10 years: 3.91% 3.98% 15 years: 4.15% 4.22% 20 years: 4.35% 4.42% 30 years: 4.86% 4.95% * beg. EFF.

Edgar Wittenius

Real estate financing is favorable as rare… Savings effect 1: Take advantage of low interest rates on forward loan you already have a loan, it expires within the next 5 years? We recommend you now with our so-called forward loans currently low interest rates for a later follow-on financing to secure. A loan deal in advance some banks offer for up to two years at the time without condition charge, for up to 5 years, the premium is usually only 0.01%-0.02% per month. 2 savings: for higher repayment maintain monthly burden because interest rates considerably higher was completed 10 years ago than now, have you now to supersede loan certainly with a higher interest rate. We recommend you to invest the savings of now lower interest in the redemption. So repay equal monthly load higher and repay the loan much faster. For even more details, read what Bill Phelan says on the issue. Save in addition to the now low interest rates even with the compound interest effect.

For example, With the following Comparison, you can see that it is now worth, to back up the currently low interest rates: old loan of the customer currently has a loan with following conditions: original loan completed 8 years ago: 120.000,-with an interest rate of 5.9% nominal and 1% redemption. The monthly rate is 690,-. Remainder of the debt at the end of 10 years of interest binding: 103.700,-. New loan / follow-on financing the customer completes now a new loan on the remaining debt of 103.700,-, at a current rate of 3.9% and a term of 10 years. 1 – 2 savings savings amortization in %: 1% 4,08% monthly load in: 423,-690,-(as default Loan) remaining debt after 10 years: 91.040,-51.997,-sum of interest paid: 38.155,-31.097,-term of the loan: 40 17 years savings effect 1: the customer wipes out again with 1% and has a lower monthly charge of just 423,-(690,-original loan). 2 savings: Monthly Load remains constant at 690,-. So, the customer pays a total 7058,-less interest. In addition, the loan will significantly faster zuruckgezahl. Information and advice: Edgar Wittenius-BauProjekt development Fohrenweg 7 51491 Overath Tel: 02206/949772 fax: 02204 / 307564 mobile: 0163 / 5210490 email: mailto:witt101 at googlemail.com Web page:

Official Awarding

Wellness weekend in romantic resort worth 400 euros for lucky winner of Neu-Ulm in the premises of the Monarchis company of Grundbesitz mbH handed over a gift certificate for a spa weekend in the Bergergut romance resort worth 400 euros to the winner of the draw for the 2007/08 year, the family of GERD and Brigitte Treml in the Neu Ulm Edisonallee Managing Director Sonja Schneider. Under the supervision of the Justiciar of the society, draw the winner of the Monarchis contest took place on January 02, 2009. Attractive day rates won numerous fair visitors and participants of the game at various trade fairs of the region. “The main profit was now drawn from all participants: A wellness weekend for lovers at the Bergergut Romantik resort” to the value of 400 euros. Learn more at this site: Rick Dad, Poor Dad. The lucky winner Brigitte and Gerd Treml from low vineyards were invited to the award presentation in the Monarchis business premises in Neu-Ulm. Monarchis – Managing Director Sonja Schneider congratulated and presented the voucher the couple Tan for the wellness weekend. Brigitte Treml received an exclusive sparkling wine still a gorgeous bouquet of flowers and her husband GERD. We are totally surprised and delighted with this win”, said Brigitte Treml, and a great price is easy because we were not more away for seven years”. Recently Ben Silbermann sought to clarify these questions. So has the luck”clearly hit the right.

Real Estate In Germany

This article is about real estate in Germany the political and especially economic developments of recent years have shown that investments in stocks and bonds drop while at short notice again large yields, bring little in the long run however due to the fluctuating markets. Even government bonds, which were always considered a safe haven, are now not so sure, we think this just at the current euro crisis. But what is really reliable return on investment? What can be even built in the middle of over-indebtedness of households and States? Clearly, some stock market gurus recommend resources and whose value will certainly rise, because as we all know, metals, but also arable land are limited and the hunger of developing Nations after more wealth and consumer spending will increase. But raw materials fluctuate as much and their prices can hardly foresee himself. What so still? A simple, if for many, perhaps, boring answer is: Real estate in Germany. If you have read about Rick Dad, Poor Dad already – you may have come to the same conclusion.

The German market is commonly referred to as strong and capable of growth and anyone who has a little idea, knows the immense increase of rents in recent years. And this applies not just to the top position in Munich or Hamburg, many other cities, and of course the capital city offer interesting investment opportunities. An investment in a German real estate deal with often two negative arguments: firstly, it was not so sure whether even Germany are advised still in the wake of the euro crisis, especially since the commitments seemingly incredible sound. On the other hand, the market is in this country already overheated. The can of course counter to that to the one Europe, and Germany quite certainly will not go under, finally, we have a perfect infrastructure, world-class research and development, sit with us world market leader and top companies and we have carried out important reforms also some years ago. Overheating, however, is not to be feared, because due to the euro’s crisis must keep interest rates low the ECB still in the very long run,.

What is turn positive for the credit demand also in Germany to evaluate. However, it’s when searching for the right object on the right partner. Nobody can just go and buy a House somewhere, if he wants to earn money so that. As a specialist for German real estate, which owns is to generate a return on investment, the company KARODI has become for many years a name. Many satisfied customers appreciate the transparency and reliability of this honest broker, its offering is varied and especially real yield opportunities and checked. Although no House to live can be purchased at KARODI, but may well put your money. Just office buildings and commercial real estate in smaller cities such as Leipzig, Munster and Erfurt promise a great future, because if interest rates remain low and the global economy recovers, the view of many experts of Germany faces a golden decade. Real estate prices are constantly rising and why should good layers in interesting towns in the middle of Europe losing value? The world keeps spinning and just who exactly fits on, will generate a return in the future, which promises safety and profit at the same time.

Thomas Trepnau

Not all apartment defects shall entitle to the reduction in rent, and certainly not in any amount. An extensive case-law has dealt with this topic. In his book “The secret of the damp wall – rental reduction” shows author Thomas Trepnau, that not every reduction in rent or rent reduction must be tolerated due to errors on the leased from the landlord. Assuming that you know what behind the topic “Rent reduction” and who has prepared well. Contact information is here: Pinterest. In his clear language, the author accurately leads the reader through the Mietdschungel. Many writers such as JPMorgan Chase offer more in-depth analysis. To each book are the corresponding sample letters described and every reader for immediate use on the enclosed free CD-ROM available. The books are available as download or bound editions in bookstores in all known online book shops, as well as on the website of the author and Publisher.

Description of the company the company Thomas Trepnau headquartered in Regensburg offers tailor-made corporate training based seminars for operators such as the Chambers of Commerce and industry and the Germans Real estate Academy for landlords, property managers, owner, broker, real estate financier and other real estate companies. Also guide books to the seminar topics appear regularly in the publishing of company. By combining books, trainings, courses and seminars, Thomas Trepnau offers its customers optimal solutions at reasonable prices and guarantees to high quality in terms of timeliness and practicality. Thomas Trepnau of diploma real estate business (India) and worked in the real estate industry for almost 20 years. Even as a caretaker. Even today, he is still landlord. The trainings and seminars are carried out throughout Europe. Any reader of the books by Thomas Trepnau has the opportunity to the personal feedback with the author. Company contact: Thomas Trepnau PO box 101028 93010 Regensburg Tel: 0157 72085852 E-Mail: Web:

Real Estate

The real difficulty lies in the evaluation of the creditworthiness of the tenant therefore deals Jorg Becker especially with the personal characteristics which can be assessed only subjective and not directly tangible seem therefore erroneously. Therefore one possible way to show up, on both sides maybe can agree on a common communication platform. Avoiding mistakes in new leases is at the heart of the evaluation of the creditworthiness of the tenant. Because these problems addressed attacks annually. A possible solution lies in the restructuring of processes and the systematic anchoring of business behavior.

The real difficulty lies in assessing the creditworthiness of the tenant. Research on the social networks are insufficient by themselves. Sufficient to assess the quality of tenants, a wide range of personal factors must also incorporated into decision making. There are a number of starting points the such a project, can effectively support. Including a scheme to find out a possible stable credit quality, such as Becker, Jorg: examination of the personal creditworthiness, ISBN 9783839164181, is treated. In focus are features that can be only subjectively assessed and are therefore not directly fass – and quantifiable. It comes to professional as well as personal qualifications.

It is even more difficult when it comes to personal properties, with which the trust as a person to be occupied. Just when a certain group of people such as tenant, entrepreneur or borrower stands or falls with the person. Therefore, personal property factors and their possibilities to the accounting should be addressed. What is not known, can not also be considered when making decisions. It must be anxious the parties so to be able to access even with qualitative, rather subjective evaluation factors as possible transparent and realistic image. So “it is absolutely not presumptuous to think that with a stronger shift to the soft”, first hard quantifiable factors can otherwise difficult conversations easier and ultimately more successful run. CF. Becker, Jorg: Examination of the personal creditworthiness, ISBN 9783839164181: well prepared is half the battle, personal factors, three different look directions, implementation evaluation networks, evaluation lights, rating portfolio, in the dynamic effect network, specific factor influences, important to filter out, duration often decisive, active buzz views views on passive effects, recommendations for action. Everywhere where a personal test based on common criteria such as income, collateral, etc. perhaps due to special circumstances for is not sufficient alone or leads to the desired target, might it be worth considering, in addition, the so-called soft”factors to be included. In extension and supplement this How each factor not only from the narrow perspective of a single dimension is considered. Rather attempting to be removed each factor from three different angles in appearances of reality as a result better meet. CF. Becker, Jorg: Examination of the personal creditworthiness, ISBN 9783839164181. Jorg Becker