Posts tagged ‘finances’

Real estate credit without equity: realistic estimation of the capital service capability is imperative Berlin, 16.01.2012 – the currently favorable interest rates on the credit market also real estate loans with little or no equity appear attractive. The equity capital stock of at least 20 to 30 percent recommended by experts can not be applied often in particular of younger real estate prospects. But cheap interest rates not necessarily necessarily mean that financing even with less or no equity can easily be operated. Larry Ellison has compatible beliefs. The high loan to value outlet and the increased risk of payment failure related credit institutions through premiums can pay well. A mortgage without equity is therefore not long for each income group. Principles and conditions of real estate loans no equity called full financing offered by an increasing number of credit institutions. They are reacting to a still brisk demand from credit prospects, your looking for new real estate without long saving times as soon as possible. Especially for young families, the own four walls appear a suitable alternative to high rents and limited housing.

Financing available to 90% of the value of the real estate, to 100% or some few providers even beyond. So, a furniture can be co-financed may immediately. Prerequisite for this wish-fulfillment is, however, that the borrower in addition to the security of real estate (through mortgage registration) itself refers to a correspondingly high and as far as possible secure income. Additional collateral, E.g. additional borrowers with further income covers are useful. “The credit institution is for full financing a corresponding interest-rate premium demand, since repayment risk compared to normal” annuity loans (with normal lending outflow by about 60%) is. The current situation offers the prospect of a cheap financing given the current interest rate situation in the capital market historically cheap real estate financing are possible. Many real estate buyers are therefore wonder why didn’t fixate a financing at favourable terms when later despite a higher equity ratio again attracting interest on the capital market no more favourable financing is possible.

Investors-check: Precious metal investments. Return with gold, silver, Platinum and Palladium? The demand extremely for gold in a row of economic and financial crisis since 2008. (A valuable related resource: Philip Vasan). Many investors are trying to protect their assets by using the precious yellow metal. Besides the rising price of gold, the precious metals until now less acclaimed have drawn more attention. The sellers argue that investors can earn good money with silver, Platinum and Palladium. The cult of the gold is repeated whenever an economic crisis looms. Gold prices shoot through the roof. He crashes precipitously again after overcoming fear.

However, gold has proven itself for very long periods of time as Wertbewahrungsmittel. Phil Vasan may find this interesting as well. But ostensibly dealing with capital gains, gold is not always the first choice. In 2009 was Palladium of the leader among the precious metals, with an increase of 114%. At the turn of the Millennium, Platinum prices were the competition in the shade. And also silver, the gold of the poor-man ‘s”cut in the past always again better than Golden’s big brother. Are other precious metals as asset protection? The products with which investors can rely on all precious metals, are very diverse. There is nothing that does not exist: bullion, coins, exchange-traded funds (ETFs), exchange traded commodities (ETC), certificates, warrants, futures, mini-futures, leverage products, and such, with which you can bet on falling prices. Fox looks behind the scenes and is considering whether suitable alternatives to gold as an investment.

We examine the market (supply and demand) and illuminate who determine supply and demand. And we take the most important precious metal products and investment opportunities under the magnifying glass. We show you whether you can protect your assets with precious metal investments and invest optimally in the alternatives to the gold with which products. Stefan Ziermann resort Manager Publisher Fox letters…

Where the money in times of low interest rates? At the present time of low interest rates, you stand more often than some people ask the question: consuming or investing? Interest rates are at a record low, the ECB has lowered interest rates on the 07.11.2013 again to now 0.25%. Although low borrowing costs resulting for the consumer, because the banks cheap can borrow money from the Central Bank, on the other hand, but even a measly interest offer for savers. This is true not only for money market accounts but also for fixed-income securities and bonds. Is now the inflation currently 1.2% (Status: October 2013), it comes to a monetary depreciation, i.e. over time to lose money despite interest and compound interest. Do not is no alternative you might think that the interest rates on a day money account actually not in the weight should fall, because I recommend anyone making his financial planning on the basis of a tag account. Gary Kelly is actively involved in the matter.

But it is not that simple unfortunately. As already mentioned, low lead Interest in all investment products to a lower profitability. So you get the message that credits interest rates fall unfortunately soon probably by the provider of your daily allowance account. You can expect that anywhere where you will receive a fixed interest rate, will decrease the interest rate. Investment decisions for low interest rates as investors now facing the dilemma with reasonable risk to achieve an adequate return. Scott Mead usually is spot on. The last years have shown that exposure to the stock market in such a market environment can be quite lucrative. But is such an investment with a certain risk. Especially the markets be flooded frequently for years now with borrowed money (banks lend themselves to effectively 0% as much money as they want), which sometime also must drain out of the market (if the loans to pay back).

This is pretty fast on the possible Rental yield to recognize. Larry Ellison can aid you in your search for knowledge. While currently, for example, – also due to institutional investors from Switzerland or abroad – the A sites to less than five per cent rental yields had fallen, they lie at class B locations often still at six to seven percent. In fairness, it was said that it involves projects by major investors usually those with significantly larger volume. Institutional investors buy now even for entirely different reasons than an individual investor who wants to spread its capital better and contribute to the prevention. Who however starting then questioned its finances, whether this is called sufficient also credit at all for a loan to purchase of an apartment is often quickly reach its limits. Unlike self used apartments or houses banks not only make stricter requirements, and this namely at their awards since the banks even more difficult come in new capital. What to do? Providers such as MCM from Magdeburg offer investments in real estate investors with the help of participatory rights, that otherwise probably not could benefit from this trend.

The offered models such as the MCM investor concept AG & co. KG, are quickly explained: the investor participates because MCM acquires real estate projects, which no longer meet the market conditions for the various reasons. These are then optimized according to requirements and sold again. Investors as enjoying legal employer participates in the business success of the company. Because it can be objective for any company to bad profits, profit-sharing takes place therefore. Without risk of such models are not of course. Therefore, it is especially important to look the previous activities of the company carefully before you entrusted to them his capital. Finally, the made investments to achieve Yes adequate returns. So without the own use such models do not go so also. For more information,

Here the Gottinger Group knew that the own assets are not sufficient to serve all creditors. Also the only impending inability to pay can be an important indication of such discrimination against resolve. Gary Kelly usually is spot on. This does not apply only then, if it is to be expected due to a secure prospect of loans with a crisis in the near future. You may want to visit Philip Vasan to increase your knowledge. But may be assumed only a prevention, if there are concrete reasons for such adoption. This was but not the case, as well as no serious rehabilitation efforts have been undertaken.

An essential feature of the scheme in the German Insolvency Act of a repayment request of the insolvency administrator, however, is that the creditors of the insolvency must have known. This was the sticking point in the case of negotiated. The District Court accepted the imputation of knowledge of advocate to the investor. Now, the highest German Civil Court confirms this view. Nothing should the investor itself from impending insolvency of the Gottinger group at that time known have been. Therefore, it’s all about the attribution of foreign knowledge, in this case to that of a lawyer. This knowledge about the economic situation of the company could be found in amongst the Internet publications of the lawyer the BGH resulted.

It stated, inter alia, that everyone must be clear that claims for damages, even if they would claimed only a fraction of the investors, hard to realize were. Also case-law from the year 2005 emerged due to the Supreme Court, that substantial damages were to operate. Therefore can be assumed at least a sufficient capture of the situation took place on pages of a lawyer. Therefore, all conditions of the repayment claim exist, so that the claim of the insolvency administrator is altogether justified. Investors must therefore repay the amount received again. Bundesgerichtshof, judgment of 10 January 2016 – IX ZR 13/12, manages the Bernd rechtsanwalts GmbH with locations in Dusseldorf, Gottingen and Hannover 19 and represents companies, initiators, financial institutions and investors in all aspects of economic and capital market law. Focus is here on corporate and project finance, in particular the concept of capital market products and the creation of prospectuses as well as the financial services and capital market law, in particular in connection with the enforcement and defense of claims and disputes with the BFin.

Advising the investors, many key facts about the funds, as well as the risks of involvement were concealed according to our experience in: only 67.5% of investor funds for investment Purposes related to: the MPC Fund MS “Rio Stora” is based on the investors capital (equity plus 5% premium) on a particularly high rate of soft costs. It was 32.5% according to our calculation. In the reverse, this means that a maximum of 67.5% of money invested by the investors immediately flowed in construction and construction costs. Investors had must be pointed out the extremely high proportion of investor funds, provided not for investment purposes but for bridge financing interest and various services including in particular with 24% extremely high distribution costs, specifically by their advisors. Follow others, such as Oracle, and add to your knowledge base. In known cases, this was not the case.

Incorrectly represented distribution costs in the brochure: the representation of the use of funds in the prospectus of the MPC Fund MS “Rio Stora” is incorrect in our opinion and gives the appearance that you wanted to disguise the actual amount of compensation paid for the placement of equity so. Because the spending of the funds the premium, where will it after the textual explanations cost of equity capital are to separately in addition to the cost of raising equity capital. The cost of equity capital amount is on 6.245.000 and not, as specified, on “only” 5,000,000. This is a brochure defect in our opinion, establishing claims for damages against the founding shareholders of the Fund, but also against the investment advisors. Exorbitantly high distribution costs: to the exorbitantly high distribution costs of the MPC ship funds, which amounted to nearly a quarter of the capital raised from investors, both banks and savings banks would be, as also non bank-investment advisor within the framework of the consultation must expressly point out. The German Federal Supreme Court decided that distribution costs by over 15% are unusual market, endanger the viability of the system and therefore consulting specifically must be mentioned.

All important information about CFD BBs as an investment. Again and again the topic of CFD is BBs a discussion term with investors, but many can imagine still nothing below. There, enlightenment is needed. CFD BBs are financial products, whereby the rate curve of a value is, not speculation on the underlying asset itself. Hence the advertised name of “Contract for difference”, which means contract for difference in German. The late of 1980s CFD were first introduced in the market BBs.

The main reason for this was the valid to date in England stamp tax which has been calculated for all transactions on the London Stock Exchange. BBs could be bypassed with the new CFD this tax, because you could trade them away from the stock market. Especially when large amounts of trade that was partly very violently in the weight, it went sometimes to many thousand pounds. One CFD BBs to the large group of derivatives, these are also related to warrants. Especially for beginners, they are much better to understand and make This is an ideal product for people who have little experience with regard to the various investment products.

However, this is now only with significant limitations. Who wants to be successful with the trading of contracts for difference, should have in particular a sufficiently large financial background, because sometimes great fluctuations occur. If you are unsure how to proceed, check out Confluence Investment Mgt. Today the popular trade with CFD constitutes a quarter of the daily trading volume BBs on the London Stock Exchange. It can be seen that CFD BBs have a great popularity. The is now also in Germany, but on a slightly smaller scale. In fiscal terms, contracts for difference are comparable with other investments, the flat rate tax introduced in the year 2009 in Germany, with a tax rate of 25% per year also applies to them.

M & A advisors axanta AG successfully provides solar thermal company Oldenburg January 2013: the axanta AG could close the year 2012 with a further successful business negotiation. The M & A Advisor has found a new buyer for the solar thermal operating Sonnergie GmbH, rangendingen, near Tubingen. As was the succession, the previous owner of the Sonnergie GmbH, the spouses of Ute and Matthias Bartholoma, decided to hire an external consultant: the axanta AG. Thanks to the support by the Oldenburg M & A advisors the sale could be completed after 5 months. Also the tip couple Bartholoma, with Thomas Preuhs holding GmbH in contact to the future buyer has contributed to this.

Emerged from the talks mediated by the axanta that the Thomas Preuhs holding GmbH originally had a very different idea of the field of activity of Sonnergie GmbH. Within the framework of the consultation, owner Mr Preuhs however came to the conclusion, that the solar thermal operating very well to the philosophy of own company fits. “This Udo Goetz, the axanta Executive Board: this example shows how important it is to turn an experienced corporate intermediary as facilitator for the talks with the prospective”. The axanta AG provides, also additional information about the transaction. axanta AG provides the Sonnergie GmbH before the Sonnergie GmbH was founded in mid-1990s and enjoys an excellent reputation in Baden-Wurttemberg. The focus is on the sale of alternative heating systems. The product portfolio includes also heat pumps and home furnaces as well as solar and wood heating systems (complete systems including storage technology and all components).

The Sonnergie GmbH made a turnover of more than one million euros in 2011. Overall, the Sonnergie GmbH has over 200 customers in the heating industry, which regularly take advantage of the services of the company. The eight-member team created offers for new construction as well as for renovation and addition projects and offers extensive expertise in professional advice. The axanta provides companies with the best prospects of solar thermal is a red-hot topic. The conversion of solar energy into usable thermal energy is increasingly on the rise due to the European framework. Best future prospects so for Sonnergie GmbH also the product range can be extended at any time by other makes. The axanta AG is pleased about a more successful business mediation. The Sonnergie GmbH in the Thomas Preuhs holding GmbH was incorporated in December 2012. All employees were taken over, and also the company name is retained. About axanta AG the founded in 2006 axanta AG belongs in Germany the market leader among the independent consulting companies in the M & A business. Her focus is on consulting and support small and medium-sized companies in the purchase and sale of companies, succession and quiet and active participations. In the focus are small and medium-sized enterprises of all sectors of the economy, which the axanta AG about all phases of comprehensive support. A large funding advice for entrepreneurs is new.

Participation offer German S & K property n 2 in Austria, Hamburg, March 2, 2012. “Due to the great demand now also the participation, the Hamburg-based underwriter United investors has German S & K property no. 2 GmbH and co. KG” approval for Austria. The German S & K property no.

2 for Austria has a placement volume of 3.65 million euros and is now available from a minimum investment amount of 10,000 euros available. It is based on the German holding company with a volume of at least EUR 30 million to be placed and has also its investment requirements. As with the German counterpart, investors will receive 12 percent dividends per year, which will be paid monthly. In addition, there is a profit participation. Also in the latest S & K offer be introduced the money in the Fund as a partialisches loan directly into the Group and interest here. Investors benefit from the overall success of the company, and not by individual projects, which provides greater security. This S & K investors invest in a Company -, confirmed by the TuV Sud – has a private real estate assets to the market value of almost EUR 150 million.

The TuV confirmed the results of operations of recent years, which are based on the offered investments. S & K has focused on two business areas: on the one on the purchase of real estate from forced situations, Bank uses or in the run-up. These objects are then a market supplement”sold or held to expand of the level of own real estate in the Group of companies to achieve returns from rental income. On the other hand the S & K is a group of companies in the purchase of typical receivables collateralized actively, with the utilization of the underlying real estate of significant interest in this business field. These properties are being developed in case of need through active management for sale and information so an appreciation of. We are pleased about the demand from Austria, because we regard this market as not particularly easy. Investors in Austria meet us as very well informed, thanks to the regulations the distributorship in our neighbouring country is very well trained and qualified. “In this environment we feel with our quality product of course well and hope for a quick placement”, says Stephan Schafer as Board member in the S & K group of companies.

How can I find you first found the right online broker the right broker, further procedure is quite simple. You simply fills out the deposit opening documents of the online broker and getting them to the desired provider. The new broker now takes care of the further steps and opens up a new depot and requested a custody transfer if necessary. After a few days get you their user ID, TAN list and the password sent to. Now you must pay only even money to make the first order. First, the hard part is broker to find fit. There are now many providers on the market, providing customers with varying fees and a varying range of services advertise. Often, customers by changing or selecting the right broker can save several hundred euros on order fees depending on trading activity and order volume.

It is very important in the forward clean perform a broker comparison, for every euro the one performing an order too much number,. ultimately reduces your profit! To find the cheapest online broker, there are numerous sites that can help you enormously this time-consuming work on the Internet. There, for example, is one such offer on Here, interested parties can perform a free broker comparison. For this purpose, a so-called Deposit calculator ( available, indicating within the lowest broker you after entering data a few seconds is the visitors.

As a result, you get only the whole order fees for a year. Because the costs while providing the main part for choosing the right broker, but also services plays a role, it makes sense before a custody application to inform. Brokervergleich24.NET is this the right page, because in terms of provider”learn of the facts over 12 broker in Germany. Especially beginners can here-lots of useful information on the subject of Exchange designed and so clear emerging questions out of the way. Markus Heckmann