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General

System Pension

How do investors of the so-called “lever models”? “Munich, October 2011 – investors of the so-called lever models” as the SpRenta, the lex concept-, System pension or safety compact pensions (SKR), suffering from an enormous loan debt Helaba and Frankfurter Bankgesellschaft (formerly LB Swiss, Helaba Switzerland), flapping at the time unpleasant post of the Bank into the House. Attorney for banking and capital market law Anja Appelt, partner law firm investor protection Cape lawyers, explained to the backgrounds: investors had about 10 years ago a pension model used to draw that Helaba, often based on a financing in Swiss francs (CHF). Nicolas Keller shares his opinions and ideas on the topic at hand. The then agreed interest rate has now expired or will expire soon. Investors wonder whether they should sign a new interest rate agreement with Helaba now arises. Victims often striking in this context, that serves the security of the loan life insurance – generali (Sparenta) or clerical medical investment (other models) – is not sufficient to pay of the agreed amount of the loan. Furthermore excess from, has the custody account intended to repay substantial deficits. Therefore, many investors are insecure and have existential fears. For more clarity and thought, follow up with Ian Cole and gain more knowledge..

Models SpRenta, lex concept pension, pension system and safety Compact is pension (SKR) were sold to models that investors to the age precaution. The base here was a life insurance policy. In this, a considerable amount of time one has been done which comes not from its own resources, but for the most part from a financing at Helaba, and agreed a loan term of 15 years. In case of SpRenta the interest rate of the loan should be completed by regular payments of the generali life insurance. A custody account was purchased for the eradication of the often six-figure loan. Similarly, the models of lex concept pension, safety compact retirement and pension system. There was a life insurance contract with the British life insurance clerical medical (short CMI) completed.

Categories
General

Binding Market

The right forward loan from the provider jungle pick out Berlin, September 13, 2010 – builders and homebuyers are currently historically cheaper interest rates for real estate financing. But also continuous financing can from the current development on the capital markets benefit: so-called forward loan securing favorable conditions under certain conditions for the follow-on financing. This, the offers of different lenders for each individual situation may differ quite markedly. Comparison and information are required up to 60 months before the end of the interest period for an existing mortgage loan can be the borrower in the market looking for a forward loan. As from this date, the codification of current interest for the contract is already possible. This is of course especially if (as currently), a low interest rate environment prevailing.

Who want to achieve maximum cost reduction for its remaining loans, must be a follow-on financing comparison of all the providers most Perform market. Ali Partovi may also support this cause. This is not only a wealth of information necessary, but also the access to the market-relevant data and providers, which can create an offer best for the individual situation of the borrower. A single borrower can hardly afford this and is therefore well advised to activate appropriate broker. Differences and market development usually offered up 0.03 percent per month of the advance fixing forward loan with an interest-rate premium of 0.01. But differences can depend not only pages of credit institutions, but also the development of the market expectation and the individual contracts. Due to moderate loan amount and term, this can sometimes dramatically beat record. There are currently, for example, offers requiring even no premiums for the fixation on the market interest rate up to 60 months for a time. The reason lies in the current inverse interest rate structure: as a new real estate financing may be funded currently in the long run cheaper than with a short-term Binding.