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Riester home savings contract in the test: Not suitable for all savers

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In the current financial test issue (11/2014), Stiftung Warentest is examining which Riester savings contracts are recommendable. These are not suitable for any future property owner. But whether with or without promotion: building savings is as attractive as never, say the testers. A comparison is worthwhile.

In the current financial test issue Stiftung Warentest has carried out a Riester home savings contract test. The experts summarize: Despite low savings interest, building society savings “is more attractive than ever” – with or without funding. “Building society savings is a good choice for savers who want to secure low interest rates for their future financing,” said Stiftung Warentest. If there is still a claim to the state Riester subsidy, building society savers can save more capital through allowances and tax advantages than with an unsubsidized home savings contract . But not every person can conclude a Riester home savings contract. For example, most self-employed people have to resort to a contract without support.

A very different opinion, the experts of eco-test: In their current Riester home savings agreement comparison shows that the low interest sometimes eaten the supplements.

Riester home savings contract 2014 in the test: These are the test winner

Stiftung Warentest has determined the best offer for four model cases for the Riester home savings contract test 2014. In three cases, the test customers plan to build or buy a property in seven or ten years , in one case the timing is indefinite. The Bauspar sum varies from provider to provider, as the building societies could set the optimal sum. A targeted comparison in terms of Baussum sum is therefore difficult.

The provider Wüstenrot can prevail twice (rate “RC / FX 2.45”). Once each place the German building society Badenia (“Via Badenia 500 R Classic Finance”) and the Old Leipzig (“Easy financial Riester”) at the top of the ranking. The following Bauspartarife with Riester promotion – also called Residential Riester – have achieved several good results in the test, so they are recommended from the perspective of Stiftung Warentest:

  • wüstenrot
  • Old Leipzig
  • German building societies Badenia
  • Bausparkasse Mainz (“W WohnriesterPlus”)

Riester Building Contract Test 2014: Planning for tomorrow today

One of the benefits of a Bauspar contract is that the currently low interest rates on the loan can be secured in the long term . Even if the interest rates rise again in the future, building society savers receive their loan at the interest rate that they agreed years ago. A home savings contract is therefore suitable for people who plan the construction or purchase of a house or apartment only in a few years . Anyone who wants to take advantage of the favorable mortgage lending conditions now has to resort to another form of mortgage lending.

Downstream taxation at Wohn-Riester

Those who opt for a Riester home savings contract, should pay attention primarily to the savings and loan interest , but must not forget the taxation in old age . Riester savers must post-tax the received subsidies at the retirement age. For this purpose, the legislator has introduced the so-called housing subsidy account . On this fictitious account, “all sponsored savings and redemption payments are recorded and bear interest at two percent,” says Stiftung Warentest. At the beginning of retirement, the total tax must be taxed, with two options.

Either Riester savers pay their taxes in one fell swoop. Then they only have to pay tax on 70 percent of the total in the account. Or they tax the account balance up to the age of 85 in annual installments. Downstream taxation is often seen as a disadvantage. However, since the personal tax rate is usually lower in old age than at the time when a contract was concluded, contractors usually save at the end.

How to withdraw your cosignature from a loan?

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Image result for cosignWhen applying for a loan, you may need to have a co-signer, depending on your lender or creditor and their terms. A co-signer is someone who signs an official document, such as a loan agreement, with another person. They take the same responsibility for the loan and the co-signer understands that when he signs, he becomes responsible for the entire amount owed. Having a co-signer increases the likelihood that the lender or creditor will receive their money, in the event that the person receiving the loan is unable to repay it.

Co-signatories are usually required when the person requesting the loan:

  • Has a bad or no credit record
  • Has a low credit rating
  • Does not have the required minimum income
  • Is unemployed
  • Is self-employed
  • Is a student with an insufficient record

Most of these situations represent a high risk for the lender. A co-signer helps eliminate some of the risk and increases the likelihood of approval. The co-signer becomes responsible for payments that are not made.

Let’s say you cosign is a friend or family member and after a few months you regret your decision. Here are some ways to remove your co-signature.

  • refinance

If you want to opt out as a co-signer, the borrower must refinance his loan to change the terms of the loan agreement. You can refinance between each term throughout the life of your loan. The changes include the removal of co-signatories and perhaps even the reduction of interest rates. This will decrease the borrower’s monthly payments, which will help repay the loan faster. This can be applied to most types of loans and is the most favorable option, especially for loans with large balances.

  • Improve the solvency of the borrower

If you want to withdraw as a co-signer before the loan has been fully repaid, the borrower needs to improve his credit rating so that he can take over the loan on his own. To help the borrower improve his credit rating, he can go through the following steps:

The borrower should send a copy of his free credit report once a year

Find out what problems are affecting your credit rating: is it because of missed payments? Is the credit rating too low?

The borrower needs to focus on these issues in order to develop a plan that can help them improve their credit rating. Know that this action can be difficult to accomplish. The reason you had to co-sign a borrower’s loan initially was because he did not have enough credit to be approved on his own.

  • Repay the loan faster

If you have to withdraw as a co-signer of a loan because of your own financial needs, you could ask the borrower if he can make additional payments to pay off his loan faster.

  • Sell ​​the financed property

If you co-signed for a secured loan, such as a car loan, you could ask the borrower to sell the property. If the borrower is unable to make his payments, he could resell the car and repay the loan completely. So, you would not have to co-sign anymore.

  • Close the account

If the borrower has not been able to make payments for a period of time and still has not improved his credit rating sufficiently to be approved for a new loan or credit card, he may close his account. Even if you need to pay or transfer the balance, it may be worth it to remove your account name.

As you can see, even though it is not impossible to delete your name as co-signer, co-signing is always very risky. If you do not know the other person well, do not co-sign. If you do not have full confidence in this person, do not co-sign. If the borrower has lost his job but really needs a loan, do not co-sign. These are all examples that can leave you in debt for years. You do not want to be responsible for someone else’s debt; you would lose money and your credit rating would be negatively affected. Despite the importance this can have for the borrower, always think of your financial needs first.

Summer Shopping: Summer Bargains – The 5 Coolest Outlets

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In summer, shopping is the most beautiful: Many outlets offer summer-sale offers for beach fashion and off-season winter fashion. We’ve put together exclusive summer shopping tips to make the next bargain hunt in the outlet a complete success. Which outlets deliver the best offers, we show in a small overview.

Image result for summer shopping

So you can find stylish summer bargains

Your first shopping station should always be the search engine of your trust. Search for shopping centers and outlets near you and go relaxed shopping. Well-known fashion houses reduce their pieces from the last year in summer, so you get new favorite parts at low prices. With the small loan from C. Auguste Dupin you can give free rein to your shopping mood and dust off as many summer bargains as you want. We accept your invoice and pay new customers up to 600 euros within a few hours.

The five largest luxury outlets in Germany

The five largest luxury outlets in Germany

Outlet centers with numerous luxury shops are everywhere in Germany. Mainly fashion designers sell their goods here at the manufacturer’s price, but also furniture or art outlets are common. Prior to your summer shopping tour at the Outlet Center of your choice, you can borrow up to $ 1,500 from C. Auguste Dupin’s Xpresscredit and shop limitlessly. The outlet centers are tailored to different target groups and run different brands. Which outlet suits you best shows a quick overview:

  1. Outletcity Metzingen: Metzingen is one of the most well-known outlet centers in Germany. Luxury brands like Gucci, Prada and Armani offer their summer sale here.
  2. Designer Outlets Wolfsburg: The outlet is in the higher price range and offers designer clothes from brands like Desigual, Levis and Timberland.
  3. FOC Ochtrup: Real bargain hunters will find cheap brands such as Geox and Street One at summer prices in Ochtrup.
  4. Ingolstadt Village: In Ingolstadt, shoppers like to go bargain hunting for accessories and shoes from brands like Brax, Puma and Birkenstock.
  5. Wertheim Village: The outlet center in Wertheim offers quality goods in the medium price range. Brands like Hunkemöller, Ted Barker and Cocinelle are here to sell their low-priced summer sales.

On the shopping tour with the small loan from C. Auguste Dupin

The cheapest summer bargains in the summer sale can be found at – the winter clothes! In the summer fashion houses and well-known brands want to create space and bring the fashion of the past season to the customer. For summer shopping, you can stock up on the best for the whole year. If you enjoy the summer shopping and want to treat yourself, you can borrow the necessary shopping money with the Xpresscredit from C. Auguste Dupin and start the shopping tour. Upgrade your shopping capital now and apply for up to € 600 (for new customers): The application is 100% online and you will receive the credit decision in 60 seconds.

Our tip: Choose the XpressService when applying and you will receive the money within 24 hours.

Apply for shopping money now

Ready for the new school year after the summer holidays? 

Auto Loans For Bad Credit Score – A Quick Glance At The Methods To Help You Out

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People who fall into financial problems either go to the money loan companies, banks or opt for bank cards for personal installment loans for bad credit direct lenders- Green-Touch. Often people that have a bad credit history or report with the financial institutions are away rightly rejected by the exact same. Here, only the car name loans come as a benefit for them.

Now, start applying for financial loans. Remember, even though you are angling in the right “pond” associated with lenders, it still helps you to cast your line into the water multiple times. Meaning: make sure to keep applying until you reach least 3 or more providers. Multiple offers mean a much better chance of landing that a low-interest rate you deserve.

Remember that creating a good personal credit score can make your task simpler to obtain the personal loan. You can ask to get your current credit score from the self-governing credit score companies that are on the market. Please make sure that you pay upward all the loans that are presently due before applying for the newest low-interest loan. If you would certainly overlook the existing short term loans online via www.Green-Touch.org, the probabilities are good that you will block your personal chances of getting the small price loan you are seeking.

Do you own a home? One of the best ways to get great loans with poor credit and payment plan mortgage is to take out a home collateral loan. The interest rates are lower than most loans along with poor credit and payment strategy loan companies charge and the attention is also, drum roll make sure you. Tax deductible as home loan interest. This is one innovative and advantageous way of obtaining the money you need for a vehicle with a secure financing choice.

In case you follow the advice above in order to find a decent set of finance company for bad credit mortgage lenders, the next step is to pick a single. This should be easy sufficient, since all you are looking for may be the one with the lowest financing rate and most favorable conditions. Most lenders make the procedure for getting started very easy, and in recent years many of just started requesting a name and current email address to get started. Now doesn’t that will sound natural? I hope you believe so because it is. Of course, before you decide to do all this, you must have a definite sense of a budget and soon, otherwise you’ll end up itching your head when you come across numerous hot deals.

Unlike a home loan, auto, and boat financial loans, personal loan finance company are a pretty good offer all around. Of course, you will have to spend a higher interest rate for a personal bank loan than you would if you had been going to take out a loan to get a home or a car. However, the bright side is that, in case you pay back the loan inside a few months or years, the quantity of interest you spend does not have to be all that a lot.

Pay attention to the elements associated with car loan calculation, which usually assesses your potential credit score documents. Estimates of credit score factors relevant to your car and also you want to type. The interest price will be based on your credit record. The majority of agencies also offer alternative programs, rather than dismiss you freely.

You must also read the fine print and ask questions regarding repayment schedules or in case your lender will offer you a better offer if you manage to pay ahead of time for a bad credit loan https://Green-Touch.org/Bad-Credit-Loans-Approval-Quaranteed. Do not be afraid to compare your choices and always look for loan companies and dealerships that will help you with the loaning process.

After you figure out the loan you are qualified for you will make a deal on your home plus submit it for the sellers. They will possibly accept the provide, decline the offer you or counter give you a different amount. The moment everything is decided with all the amount you are purchasing the house for a loan policeman will make sure you qualify. They might then get yours before approval. Once the before approval is healed your loan expert may order all the inspections your house wants. If all of your examinations pass you will have to collect up any other details your loan policeman specifies and you should and then be ready to submit for your personal final approval.

Before making for the day make sure you take note of all the works performed and all works unfastened. Also make it a point to be in, clean your work desk and throw away the particular unnecessary things. This will help you to start your future day better as well as in an organized approach.

Credit cards are really ubiquitous nowadays of which credit has overtaken cash as California king. When you flash money these days, there’s a huge chance the person controlling the transaction will appear at you funny. For those who have direct lender online payday loan Recommended Reading 🍄🍄 ᑴ☼ѽ☼ᑷᑴ☼ѽ☼ᑷ guaranteed, chances are you likewise own a credit card, even though its most likely maxed out.

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