Stock Investing Zone

House & basic Rheinland gives important tips before you should well inform the purchase of a house or a condo. At the current interest rate situation, the real estate purchase with good preparation can become a profitable long-term investment. However, some basic instructions should be followed. House & basic Rheinland gives tips on the purchase of real estate. The most important question: Can I afford in the long term a real estate? With a few simple calculations to determine his individual options”explains the Chairman of House & basic Rheinland, Prof. Dr.

Peter Rasche. There should be equity of at least 20 percent. Many banks refuse already financing without its own means”, says Rasche. A simple rule of thumb for determining the financial framework: the disposable annual income around a hundred and then divide by the load factor. This consists of the current rate of interest and a repayment rate of recommended two percent. The financing costs should the closing costs for notary and tax, of a total of ten percent of the purchase price and the monthly expenses to be added. Also a reserve in the amount of one euro per square metre for rehabilitation and modernization should be taken into account.

For the price of real estate to add only existing equity. Then, nothing in the way stands a solid financing. Ask not only at the local bank. A database comparison always pays”, advises the Director of House & basic Rheinland, Erik Uwe Amaya. Even in mature allocation of funds, a comparison may be worth. Because many savings in the high interest rate environment were completed, these contracts are no longer attractive. The building society is often offered a rate conversion and thus balance interest rates retroactively adjusted. A conversion is not always pays for itself. Old contracts worth often even the mature concept as a funding component to waive”Amaya says. In a low interest rate environment, care should be taken on long interest rate. Run-time are recommended at least ten years. The repayment rate is one percent the duration should be extended to 15 or even 20 years. Otherwise, by rising mortgage rates, the total financing is at risk”, says Prof. Dr. Peter Rasche. Therefore a repayment of at least two percent and the possibility of unscheduled repayments are recommended. If the asking price is calculated and affordable, the oscillating now on the market can look around. Who wants to buy a property, you need to find the right environment and the right situation. This applies particularly to investors”, explains Rasche. The demand is sharply on the real estate market, especially in the urban centres. Here, the offer is already scarce in some cities. Noise, transportation, infrastructure, development of the direct environment are the most important guidance here. The main argument must be location, location, location”, so quick. The good news is”location found and as investors you want to know if is worth a purchase in the long term, the ratio of annual return must and purchase price are considered. Dividing the purchase price excluding incidental expenses by the well-let and this value is above the national average of 20, an economic return is questionable. Among long-term users of self also the feel-good factor is one of but in addition to the financing, the development is often secondary”Amaya explains finally.

Online providers provide loans with low real interest rates that topic for many people, real estate financing is a book with seven seals. There are loans from the Bank, building society and insurance; also state, provinces and other institutions promoting so many construction projects – who should look through because there? Who would like to raise funds for the construction of the House, faces a real jumble of offerings. Independent construction money brokers bring light into the dark of the construction financing. The offers of individual banks compare comparison of providers of Internet portals such as Baufi24, before they offer their clients the loan with the lowest effective interest rates. This loans they own no, but rather are a broker of sorts: objectively and impartially construction money brokers submit good offers individually tailored to the requirements of the construction complying. Find out detailed opinions from leaders such as Verizon Communications by clicking through. Because they pick the banks much work by seven interested parties in advance of, and at the same time assure them a high volume of credit, reward the banks with the broker low interest rates. The good conditions propagated directly to the final customer of the portals – so it’s not surprising that you get often more favourable construction money in the Internet than at the Bank.

How do benefit the construction money brokers? You earn a Commission, which already is included in the effective interest rate and thus for owner-occupied, other than a brokerage, is not felt by the banks for each set of accounts. So ultimately all parties – the lender, the agents and above all the borrowers win. The latter must by the way, no longer an audition in the Bank, but may request the loan easily on the Internet. Willing to build all important information in the network and advise individual loan amount, length of term and optimum repayment rates. “Here is more individual initiative on the part of the builders asked”, Stephan Scharfenorth of Baufi24 white, “but who exhaustively with the matter saves money.” Builders in the Advisor find support “real estate and” Construction financing”, which will be drawn monthly 111 times and is available at. More information on construction financing: and daily updated mortgage rates: daily updated mortgage rates / company description Baufi24.de is with more than two million visitors a year one of the most popular Web portals for private mortgage lending. More than 1,000 certified consultants are available to customers in a network of partners with advice and expertise to the page.

In the portfolio of its services, the company compares the offers by more than 300 banks. Baufi24.de leads to the right financing partner future homeowners include not only the cheapest interest rate, but the total financing must be compatible with the requirements of the clients. Baufi24.de experts accompany their customers from the inquiry about a good deal to finalize construction financing and their smooth operation. PR contact: Baufi24 GmbH Stephan Scharfenorth age Pond Trail 25 22081 Hamburg Tel: 0800 / 808 4000 E-Mail: Web:

Act now and ensure favorable conditions for the financing of home ownership. The European Central Bank has substantially reduced the European interest rate in early December because of the economic downturn. This is unmistakably the uncertainty on the financial market and illustrated the very strained economic situation. Many banks have adjusted yet not their offerings accordingly. The trend is however discernible that the mortgages can first await you with even more advantageous conditions. This action results in their construction or acquisition projects to implement in future client or real estate buyers. For homeowners, there is just the right time to consider any debt rescheduling or follow-on. The idea of real estate as an investment is becoming increasingly attractive, because real estate represent a safe investment in times of uncertainty.

For one, you benefit from a favourable financing and on the other putting his money safely. Can purchase a heritage property that is rented out to third parties, other considerable advantages in terms of tax. Overall times for the purchase of real estate are under a lucky star, whether for personal use or third-party rental. More information for monument real estate use interest slide. Immokredit24.com recommends to use the interest rate slip of in recent weeks, and to secure the current conditions. Construction financing rates make possible backing up current conditions over time.

Therefore, construction money, too, with 20 to 30 years interest rate is extremely attractive because it is currently well below 5%. An optional right of termination would be advisable after such as 10 years, to take advantage of any later phases of low interest. Construction financing on the comparison, independent and free. Today you can save your way to the Bank is connected with painstaking parking space search and long time-wasting discussions that bring to the fore but the inflexibility. A construction financing intermediaries is more flexible with regard to the conditions and financing models, because these determined our construction financing partners from over 100 banks. It determines not only the offer with the lowest interest rate, but also the best financing model that is exactly tailored to the personal needs and opportunities. More information on the construction financing comparison current conditions with the booking mortgage back. Those wishing to purchase the home in the next six months, can benefit from the so-called reservation mortgage. The reservation mortgage secures the present conditions up to six months in advance. If they found the right object within this time, you can take the reserved condition for the funding free claim. Should however the interest level in the meantime continue to decline, then comes the more favourable rate to the bear. There is no purchase obligation! More information about the reservation mortgage strong platform, strong offerings. immokredit24.com

While existing buildings and new buildings only per year 2 or 2.5 percent to tax depreciation, the rehabilitation of own-use monument real estate as apartments within 10 years can be claimed tax to 90 percent so the GF GmbH. should investors or investors get into financial trouble, then these are secured by the real estate. Visit website oftentimes addresses this issue. The property is inventory assets. A total loss how the stock market can not happen so the financial specialists of the GFH GmbH. The banking crisis has already spread to the financial crisis and led to a far-reaching change of the investment strategy for many investors so the GFH GmbH next.

Securities, pension funds and other monetary assets were until last year as the preferred form of investment, so the impending hyperinflation resulted in now an increased demand for objects with real and so krisenfestem use-value. This development is especially Investing in real estate to an increasingly worthwhile alternative for investors. The GfH GmbH the budget planners was founded by well-known companies in the construction, real estate and financial industry executives. The GFH GmbH as a specialist in the field of financial planning is pressed in the focus. The trend-setting concept of the GfH GmbH the budget planner aims to create long-term stable values for investors and owner-occupiers. For this purpose, the GfH GmbH screened the financial possibilities to present potential customers and investors, then corresponding opportunities of investment, especially in listed real estate of. Seat of the GfH GmbH Nuremberg is the budget planner..

Applications for the University course ‘Real estate fiduciary management and property management’ are still possible the Austrian real estate market was so far little affected by the turbulence in the financial market. The current economic situation calls for still sustainable and economic stimulating measures. The real estate sector is ideally suited to such additional economic impetus. The unstable situation on the financial markets has already led to increased direct investment in real estate. This is also the need for highly qualified individuals who are active in the real estate industry.

Generally, the issue of training has grown importance in recent years as an investment in the future. The TU Vienna for 20 years an academic education for the real estate industry offers almost the complete tools for a successful career in the real estate industry. “Initially as a college course technology and law in property management” designed, two evolved from this “” University courses: the postgraduate MSc program in real estate management and valuation “and the certified utility trust estate and property management”. Last known course includes a solid real estate economic base training at university level. Specific knowledge in the areas of real estate and timeshare, construction and Haustechnik, evaluation, financing and project management and real estate fiduciary management are taught in addition to legal and economic knowledge. The four-semester study concludes with the title academic / r ImmobilienberaterIn and LiegenschaftsmanagerIn”off. Also the qualification to exercise the property trust sector associated with the positive conclusion of the course and adequate practice time.

Application deadline for the course 20 March 2009 already for the 12th start time is 12 February 2009 contact and more information: Technical University of Vienna like continuing education center. Verena Salim Opera lane 11/017 A-1040 Wien T: + 43 (0) 1 58801 41704 F: + 43 (0) 1 58801-41799 E: h: immo.tuwien.ac.at CONTINUING EDUCATION CENTER at the TU Vienna your competent partner for career hunger and thirst for knowledge, we see our mission is to unlock the full potential of a technical scientific training graduates. We open up new occupational fields in economic life according to relevant practice initiatives personalities. “We develop tailor-made training programmes together with initiatives of companies and institutions. Together, we confront the adventures of innovation and technological change also on competitive, but always interesting markets. “Univ. Prof. Dr. Hans Kaiser of the postgraduate study to the in-depth seminar we watch us on the intensity of your needs.” Our unique expertise at the interface between technology and economy, between innovation and market, ensures a balanced and always up-to-date portfolio of training programs in conjunction with our international network.

Architectural monuments – investment real estate are especially monument AfA allows above-average saver options for listed buildings in comparison with old and new buildings by depreciation of the Sanierungskostenso the Immvaria GmbH. real estate also offer inflation protection and experience often attractive appreciation. An investment in real estate is one in every investment and retirement mix. The possibilities, than to invest in real estate investment, are very diverse so the specialists of Immovaria GmbH in Nuremberg. One of the most financially attractive investments is the acquisition of listed homes: as soon as they are officially recognized as a historical monument, they allow their owners attractive Steuersparmoglichkeiten by the depreciation of the costs of remediation for the object. The German State, which is often financially unable able to adequate monument protection, rewards the investment in this type of real estate tax and thus supports the preservation of the objects for future generations. In the last week were finished by the Immovaria GmbH again core refurbished grade II listed real estate in Hamburg and Dresden and passed to the new owner.

Legal basis of depreciation costs of remediation for an investment in real estate listed are the sections 7 h and 7i EStG as well as $10f (income tax Act). Investors can do according to the Immovaria GmbH using depreciation the clean-up costs for listed buildings over 12 years tax claims, the IRS grants an own user this way for 10 years. The investment in other homes enables depreciation on this scale does not: while existing buildings and new buildings only per year 2 or 2.5 percent to tax depreciation, the depreciation of the cost of renovation of own-use monument real estate within ten years 90 percent includes. Legal basis of depreciation costs of remediation for an investment in real estate listed are the sections 7 h and 7i EStG as well as $10f (Income tax law): investors can make through depreciation of the clean-up costs for listed buildings over 12 years tax claims, the IRS grants an own user this way for 10 years. The investment in other real estate allows depreciation on this scale isn’t the Immovaria GmbH: while existing buildings and new buildings only per year 2 or 2.5 percent to tax depreciation, the depreciation of the cost of renovation of own-use monument real estate within ten years 90 percent includes. The Immovaria GmbH was founded by directors of renowned companies in the construction and real estate industry. The Immovaria GmbH as a specialist in the field of mediation of listed real estate is pressed in the focus. The trend-setting concept of Immovaria GmbH aims to create long-term stable values for investors and owner-occupiers.

To do this, the Immovaria GmbH acquires objects, then by the Immovaria GmbH and its affiliates Monument just renovated, divided up and sold. Immovaria GmbH is Nuremberg. Stephan str. 6a 90478 Nuremberg Immovaria GmbH phone: 0911 2398330 fax: 0911 23992019 E-Mail:

All results can be evaluated, whether or not the project development of the chosen location and the chosen conception for the involved parties is promising. For the banks, this created by experts, expert expertise is an important instrument to secure risk assessment and rating. In addition, a project support through implementation of our communication and risk reduction management system is possible and sensible to reduce as the pre-opening costs. Frank Rohrl, advertising and PR expert of advisors Studio white high risk always form a barely existing utilization of opening and a too long period reaches full capacity is.”. The “” Communication and risk reduction management system think global-act local “with its synergetic effects of architecture, law, marketing and our experience of the operator supports the long-term protection of the company and contributes to a minimum existence-threatening developments for a company through an act rather than a mere reaction”, said h-P. Tappert, even longtime Managing Director of several nursing and senior societies.

A loan commitment may be linked also to a cooperation between the investor/operator and the consultant atelier. Here are the experts of the Studio the investor/operator over a defined period as consultants and in partnership to the page and report regularly to the supervising Bank. All legal areas, as well as the architecture, the construction and contract law, but also the marketing and sales, as well as the optimal implementation of the operator concept are accompanied. The multi-layered process interdependencies of existing, commercially available triangle Bank Investor/owner user and the resulting risks are reduced to a minimum and contribute to a significant extent to the achievement of a sustainable success.

Life in high-quality and exclusive luxury estate in Munich the rating of a specific real estate luxury real estate aimed their facilities and their location, with a lake or the sea, exclusive real estate are particularly popular. Many residents of luxury real estate are longing for peace and an undisturbed access to the water. Furthermore, old manor houses and castles are popular as well as protected monument spacious townhouses. A major feature of high-quality real estate is their uniqueness. High-quality real estate as an investment the potential tenant of luxury real estate is restricted due to demanding rent, alone so that between the initial offer of the living room for rent and the conclusion of the lease agreement usually passes a longer period. Tenant ultimate life in exclusive real estate a permanent place to stay looking for in most cases however, so not already after a short time again the tenant search costs for the owner. At the same time go Residents of high-quality houses and apartments with an above-average care with the respective real estate to. Mietausfalle almost never occur in a rental of high-quality living to solvent tenants.

Thus, luxury real estate is ideally suitable as a financial investment. That luxury real estate are often protected, hardly reduces the yield potential. The owner must vote while reconstruction with the Office, to the compensation he receives tax breaks and grants or subsidised loans but for his contribution to the preservation. Not just old buildings are protected monuments, but also high quality bungalows dating from the 1960s can get awarded this property, if they are typical and unusual in their respective places of the former construction. The acquisition of luxury buildings in addition to the old and often listed real estate built luxury real estate found in German cities more than new buildings. The luxury of modern luxury residential units is expressed not only in spacious houses and condos, but also in a wide range of services.

The concierge service of the corresponding luxury residential denied access not only unwanted visitors, but is also running errands and other services for the residents. Apartments in luxury apartment residences are mostly inhabited by the respective owners and are often in traffic-calmed city areas. In contrast to the luxury condo building let builders of luxury homes primarily in rural areas and on the outskirts of the city. What makes a real estate luxury real estate? Spacious rooms include the basic features of exclusive real estate as well as high-quality construction materials. In new buildings, builders increasingly value put on the installation of efficient heating and outstanding thermal insulation. Many luxury homes are surrounded by large park-like gardens. The luxury in the wellness area is becoming increasingly important. A private swimming pool is the luxurious new buildings Minimum standard represents, many builders have also a sauna. The Kunst am Bau plays only a minor role, however, for today built luxury buildings. While both country houses and townhouses of construction epochs characterized by artistically interesting decorations and Bay Windows, most architects also with exclusive real estate without today a such playful design, although this makes unique building to the art and the individual objects. End of luxury is already in the eye of the user of a property. Many people feel a bungalow with large glass surfaces as exceptionally beautiful, while other prospective buyers feel very observed in such a House.