Credit Talks – Is Convincingly Present

Entrepreneurs are facing a large, perhaps the biggest challenge in their lives especially in banking and loan talks need to borrowers sure occur and their ideas safely present including their person can. This includes the free lecture as well as competent responses on perhaps surprising questions. As a person, the borrower should act credibly and authentically and without a hiding behind hard understandable jargon make always a competent impression. Would be fatal for example, as to be unsafe supplicant who always only nervous scrolls and little confident reluctant can answer questions in any documents. Borrowers must be able to survive even difficult situations, always themselves to motivate themselves and learn to deal with losses. Although you should check the business idea always also of critical opinions, should be to not taking the success of faith and always remember that the start-ups will rather have the character of a marathon than a Sprint. Therefore perseverance and stamina are required.

CF. Becker, Jorg: Checking personal credit crisis-proof credit, ISBN 9783839164181 each borrower should be on set, that he is subject to a rating not only with the business idea and the assessment of the market his project. In a gravity grade should deal also with his person, i.e. its entrepreneurial qualities, its technical and commercial requirements, and sometimes up in the private sector also put with his personal qualities. Conversation partners, the borrower already can gain advantages if he understands to make it believable that he knows to estimate its market not only white, but also realistic with the strengths and circumvent weaknesses in his own person.

Because just when you leave the terrains of the close trade and specialization, the borrower must have as be firm and well prepared. CF. Becker, Jorg: entrepreneur potential, ISBN 9783837075045. The capital is always interested in all information, which he can assess, how high is the risk that the loan is not paid back. As the business plan, for example, is a founder of existence mostly to much faith in the future, the assessment of creditworthiness to a greater extent than usual depends on the assessment of the person of the borrower. This must be so convincing with his person and allege that you can rely on him as a business partner. This starts with simple things: that you meet deadlines, for example, quickly makes clear, if necessary, open points and creates the world. Business-relevant issues and future plans should be brought as soon as possible a bank even after a loan commitment to the knowledge. The person of the borrower should give the impression that they compared to business partners playing with open cards. Dipl.Kfm. Jorg Becker (

Auto Loan

Get overview: instalment loan with the right conditions will find what is an installment loan? Individuals who borrow to buy a certain amount of money from a financial institution is often opt for an installment loan. This form of credit, an interest rate is set before graduating at consistent monthly rates must be paid. Often the term consumer credit or but promotional names, provided mostly by credit institutions are used for an installment loan. The installment loan has become one of the most common forms of credit. Usually the credit runs up over 120 months and includes an amount of EUR 1 000 to 75 000 euros. Before they however engage on an installment loan, you should inform yourself exactly and compare in particular the provider. Who offers rates loans? During the 50, the installment loan was mostly as a home business part time banks, this has changed now however.

Today this form of all commercial banks, the loan will be and especially by Auto banks offered and is regulated under the law modernisation Act. Who is playing with the idea to record an installment loan, should inform themselves well but in advance and compare the terms of the financial institutions. You get a better loan than at a branch at some direct banks for example often. It is particularly important that the conditions for the borrower are transparent, so a comparison is possible without any problems. Also the effective interest rate should be in the loan agreement, so that it can be compared with the rates of other banks.

However, rates loans are granted not only by banks, various insurance agents, and many retailers offer this form of credit. What can be observed when an installment loan? To apply for an installment loan it is enough usually contractually set a wage and salary as a security, other collateral must not be made. However, banks can also demand a guarantee if the creditworthiness of the borrower is not sufficient. Who the installment loan for the financing of a car takes up, must expect that a security assignment of the cars must be made, this is however not a prerequisite and will vary from Bank to Bank. The repayment of the loan takes place, by monthly rates to be paid the amount of previously which was set and remains the same. In addition to the normal rates of credit but also the interest and the relevant fees, the credit institution must be included. Compared to a credit, interest on an installment loan are lower, typically higher than at a construction financing. It should also be taken into account that the installment loan usually brings a Schufaeintrag to. Sritharen Madavan

Investors Go Safe

Defensive strategies despite DAX gains in times of financial crises and so-called bad banks”it remains hard to trust the always rising and falling prices for investors. So it happens that no euphoria is discontinuing the buyers despite increasing profits in the stock market. The Exchange Portal reported a current example. Although the DAX characterized lately by price gains, investors are afraid of possible risks. Follow others, such as Peter Schiff, and add to your knowledge base. So buyers of discount certificates decided in October mainly for such products that are still profitable even at possible price declines. This is reflected at the level of the caps. Like the current UBS investor sentiment index confirms prefer caps, which are significantly below the DAX. The choice of lower caps reveals the skepticism that is still very much present. (Similarly see: Euro Pacific Precious Metals).

It seems that investors expected larger price declines, eventually higher caps would mean more profits, but above all they were a sign of more Optimism on the part of the buyer. The end of the month of October, the distance between DAX and CAP has more than tripled. It is clear that fear is still big losses and a further collapse in the stock market. Despite the gains, many investors opt for defensive strategies to protect themselves from financial losses. More information:… University Service GmbH Lisa Neumann

India: Bank Loans

This means the recovery of bank loans has become India’s destitute. The economic success of such utilization depends on the experience and the commitment of the employed specialists, the servicer. With the Leipziger NPL servicing GmbH a servicing service provider in the boat could will be met, as affiliates of Garden City society Hellerau AG founded 1908 on their lasting since 1994 experience in the settlement of such claim packages can rely. These include in particular the restructuring and marketing problematic real estate next to the exploitation of immobilienworkout credit claims. Learn more at this site: Federal Reserve Bank. NPL has a young market with much future In comparison to Europe the German banking industry, according to a recent study by PricewaterhouseCoopers as the largest portfolio of problem loans.

Publications of the Bundesanstalt fur Finanzdienstleistungsaufsicht (BFin) specify a current total market credit receivables of approximately 200 billion euros. Investment opportunities an investment in themselves particularly lucrative design very young, but still fast-growing NPL market that offending claims only to a fraction of their former value obtained and the profit that exceeds the purchase price. This fact allows investors high yield opportunities. Currently offers the German market for NPL real estate exceptionally good chances are high profits from a NPL portfolio to realize quite so using a sophisticated and professional follow-up. For more information, see and. Useful information around the topic of NPL provide and. Contact: NPL absolute return GmbH & co. I. KG Professor-Messerschmidt-Strasse 2 85579 Neubiberg phone: 0800-6754636 E-Mail: Internet:

Trend Following Signals

A novel service provides fully automated trend result calculations for the DAX for the first time private investors to trend following models available are trading strategies that follow the perennial ups and downs of the markets and try to profit directly from these movements. For years investors of hedge funds that achieve purely computer-controlled continuously high performances regardless of whether it is straight up or down with the courses are among the insider tips more successful. Direct access to such algorithms were but so far denied the small investors. With, launched a Web service that implements an such trend sequence algorithm for the DAX and the resulting signals was now in real time”sent an email to its customers. The paid service will be available from EUR 31, – monthly offers and promises high returns with a success probability of each trade by up to 87%. differs fundamentally from other forecasting services for the DAX as a result that the signals calculated, generates fully automated and delivered to the customer. Any emotional influence of an analyst is therefore ruled out.

To enable a fine parameterized system developed in years of legwork, that takes into account other factors in addition to the performance of the DAX even. The trade year 2009/2010 with his wild zig-zag behavior within a parent sideways was the ideal test candidate for The course of the DAX was 6000 points both early January and early September. Nevertheless, 20 23 trend data from within a year have proved correct. is aimed first and foremost at experienced investors and traders who want to improve the performance of their portfolio by using the supplied signals. So no direct purchase recommendations for certain trade papers can be found on the website. Signaling by by means of six types of signals: long start materializing short beginning of a downtrend SAVE long interruption of Upward trend, possible cancellation of the uptrend SAVE short interrupted a downtrend, possible cancellation of the downturn SELL long sales signal, profit realization in the uptrend SELL short sale signal, profit realization are detailed product information and the possibility to register in the downtrend on. Oliver Scharf

German Bonds

Investors invest their money not always perfectly round ten percent of disposable income put German households according to the Federal Statistical Office on the high edge. This money is not always optimal attached: more than 1,000 Depot analyses of the VZ VermogensZentrums have shown that investors often no clear strategy and have too many Kleinstpositionen, bank-owned and structured investment products in the depot. Investors who neglect the management of their portfolios, taking high risks and exploit opportunities to little. While they could benefit from the upward trend in stocks, bonds and gold currently. Shares: Further increasing prices many investors are still skeptical and hold a large portion of their assets in cash or money market investments. Investors run to danger, to miss most of the rest, which has employed about a year ago. Learn more about this with Federal Reserve Bank. Although the VZ investment experts expect that stocks still moderate move because of the euro crisis and economic worries by the end of the year upwards. In the medium term the chances for more But good price increases.

Conventional bonds remain unattractive government and corporate bonds offer is still a low interest rate. The risk of exchange losses due to a rising interest rate environment has therefore increased. Investments in this area should be underweighted. Convertible bonds as an interesting adjunct In the current market environment, however, attractive are convertible bonds. Central banks have driven stock prices and thus also the convertible bonds in recent weeks clearly upwards. Who wants to invest in convertible bonds, better buys funds rather than individual securities. So is not a concentration risk as an investor and makes the management of its bonds in the hands of professionals. Gold is still attractive gold is and remains popular with investors because it is considered a crisis-resistant. Today, gold is so sought after as long since no longer. The reasons are obvious: investors can generate little interest with other plants, the confidence in the economic and monetary policies of States, and also the demand of central banks as well as by investors from China and India holds the High price of gold.

SHB Immobilienfonds Still Big Demand

Hardly an investor doubts on the attractiveness of the location Germany only two percent at the last Expo real from Deloitte GmbH Wirtschaftsprufungsgesellschaft surveyed exhibitors believes, that the location Germany is losing attractiveness for real estate investors. Then the real estate expert refers to Hans Gruber of SHB innovative fund concepts AG (SHB AG). The company, based in Aschheim near Munich, sets real estate funds in the retail market for many years, in which a wide layer of investor can participate. It’s believed that Lord Peter Hennessy sees a great future in this idea. “According to real estate newspaper the remaining assessments are split evenly in rising” and the same constant “on appeal. After all, 44 percent of those polled believe that the German residential real estate market remain the same, almost as many (42 per cent) expect an increase. That reduced the attractiveness of, hardly anyone believes (6 percent). This assessment coincides with the General market development. So buyers in Munich for free-standing houses must be the average more than ten times as much pay 775.000 euros as in East German medium-sized cities.

Also Wiesbaden with an average of 650,000 euros, Freiburg (600,000 euros), Frankfurt am Main (550,000 euros) as well as Stuttgart and Heidelberg (550,000 euro each) are very much in demand. For real estate professionals, it is clear that the demand for home ownership is a response of consumers to the financial crisis. Home ownership as a sustainable, secure and inflation protected asset is experiencing a revival”, explains the SHB expert. That drive the demand according to existing real estate, but also in the field of construction. After the depression was reached in 2009 with 83.898 new apartments in one – and two-family dwellings, the tide turned. 2011 issued permits for the construction of 112,000 homes in and nationwide two-family dwellings. In the first half of 2012, the number of newly approved single-family homes dropped again easily, that the number of approved condos grew rapidly. Who also wants to set against this background property, but

Savings Bonds

Compare savings bonds savings bonds increase yield respected as per who effectively and safely to the side would like, should be smart about savings bonds as fixed investment product. Investors have the option with a fixed interest rate over a specified interval with savings his balances to increase. The buyer can sell unlimited, at any time and easily to banks as also for financial institutions. Online savings bond comparison shows where the savings bonds have the best return and the perfect conditions. The savings bond system operates on a very simple system. A savings bond at almost all savings banks and credit institutions can be purchased at a disposal rate. Occasionally a minimum investment amount is required, a limit is not given up. Minimum transit times depend on the provider.

Usually, the savings bonds with a term to 10 years are available. At the appropriation of savings bond, the interest rate settings are defined clearly. So the buyer knows him already at purchase, the total amount at the end of Run-time or expect in annual interest payment. The optimal selection of the most suitable system, helps comparison with detailed data about the highest paying offers a savings bonds. There are 4 interest ways to choose the customer the usual savings bond is purchased at a full nominal value and the interest paid each year on the account of the customer. The on estimated savings bond dispenses with an annual payment of interest. American Writer pursues this goal as well. At maturity they will count the savings bond. Interest and compound interest will be paid out in this case together with the nominal value of Sparbriefes at the end of the term.

The discounted savings bond purchase is deducted already where interest and compound interest by the purchase price, which would apply for the life imitation of. The purchase of discounted Sparbriefes reduced thus to the amount of interest. The savings bond to the full nominal value will be sold at the end of the investment term. The savings bond with rising interest rates are mostly temporary cash investments. After a small wait, can the buyer at any time the repel savings bond at par and are plus the interest income cash out. The efficiency of Sparbriefes stands out clearly by the stock market-oriented form of investment. He has a steadfast interest rate and a constant rate of return. Deposit fund fully protect savings bonds, so that there is no risk of losses. A fixed investment period simplifies economic planning with the precise characteristics, the yield will be high after the system time. Flexible payment options are interest commissions. Savings bonds are mainly suitable longer-term investment. It is even more important to cut the duration of the private financial situation. The online savings bonds comparison should be help to extract the most optimal offer. After specifying the desired run time and plant height comparison provides the momentansten of available offers of savings banks and financial institutions the savings bonds. From the overview, the deals can be to the best interest and contracting criteria recognize, Savings bonds offer which is tailor-made to meet the demands of the customers. With the savings bonds comparison always side is to the immune.

September Fund

Main tenant who runs Fund real estate next year from specialist solicitors help investors investors of the real estate fund set by the underwriter of Wolbern Austria 3 (IFo third party of real estate funds for Austria GmbH & co. KG) must be set on troubled times. The main tenant, the Vienna University of Economics, which has hired 70% of the area for 10 years, will finish the non-cancelable 30 September 2013 contract. Whether the Fund concept can still succeed or fail, now mainly depends whether fund management, to pay a credit-strong replacement tenant for the in the now 25-year-old building, which is found approximately 17,500 sqm of leasable area ready, the previous rent. Cannot be ruled out is that in the next year the entire building will be empty, because the University of Vienna, the tenant of the remaining 30% of the object has not yet declared whether she will also make use of the possibility of their termination. Whether a corresponding rental given the currently difficult rental situation in Vienna will be possible, is doubtful. High cost of connection rental and revitalization are missing in the prospectus of Wolbern investors Fund Austria 3 face a further dilemma.

Significant costs are incurred for the search after a new tenant. In addition, the building extensively used so far as a College must be at least inside renovated and adapted to the needs of a new tenant. This revitalization or to search for a port tenant sufficient funds are provided in the Fund concept. Remember that the reserves of the Fund are sufficient to the effort required by experience at least one year’s rent and the tenant change in a such a large object usual vacancy to cover, we have serious doubts. Costs for the new hire in the brochure cost estimate be recognized? The cost for the search of an acquired, revitalization and vacancies are in calculating prospectus of the Fund of Wolbern Austria 3 neither taken into account, still – existing – experience approach to making spending are reported.

Managing Director

Underwriter is continuing its growth Hamburg, May 31, 2012. The underwriter UNITED INVESTORS consistently continues its growth course and won Andreas Greiling as recognised Fund specialists. Greiling to support as a priority, to expand the product range of the Hamburg-based emission House. UNITED INVESTORS is so far so positioned to stand strong development target companies in the development of the divisions as a finance partner page. Investors benefit from the economic success of the target company. In the future we apply more fields next to this orientation also in terms of width distribution”, Greiling says. Born 1971 in Thuringia, Andreas Greiling, who has trained among other things to the investment and finance specialist (IHK) and studied economics in St. Gallen, gained his experience first in the sales of real estate and investments until he worked from 2000 to 2004 as Sales Director and Konzeptionar for an Austrian private investment bank.

Until 2007 he accompanied several initiators and issuing houses following as a consultant in this task pane. 2007 he moved finally to the Hamburg-based issuing House Steiner + company, where he later also as partner and manager responsible for conception and fund management. We are pleased to have found a colleague who has many years of experience in sales questions and conceptual expertise’, so Hauke Bruhn, founder and Managing Director of UNITED INVESTORS. And for the choice of Hamburg of Andreas Greiling with second home in Andalusia, Spain, is exactly the challenge of agile and innovative emission House he ran UNITED INVESTORS. When I was asked, had I not long thinking, because UNITED INVESTORS only experienced professionals who know where they want to work and I would like to contribute my ideas with clear concepts, to support this positive development”so Greiling.

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