Tag: finances

Federal Court

September 1, 2016 at 12:35 pmCategory:General

Lawyer Ralf Renner is expressed in these contexts: the decision of the Landgericht Landshut continues on issues of disclosure, investor friendly jurisdiction of the Federal Court. This decision is other investors courage, to make the right steps.”see You also: Medico_Fonds_40_Berlin_Karlshorst_Medico Fonds.html author and contact person: lawyer Ralf Renner – lawyer and a trained banker – specialty: Fund investments Tel.: 030 / 810 030-22 E-mail: specialty of lawyer Ralf Renner are legal issues of closed-end Fund, where he has many years of experience. In these contexts, investors in a lawyer approach, if you want to check what rights and claims exist. Blanket statements prohibit themselves? In any case, an individual assessment is offered. Damages can claims against an investment advisor or a Bank, if was not sufficiently enlightened on essential aspects. An experienced lawyer can determine whether claims for damages are and how high are the chances for a successful implementation. The courts regularly demand compensation for damages that an investment advisor informed thoroughly, correctly and completely. The courts talk to aggrieved investors who were improperly discuss their investment that your investment advisor or your bank their invested capital and interest losses reimbursed them.

The investment products and any resulting are drawn benefits to return the investment advisor or the Bank. In substance, this corresponds to a reversal. Consulting error from years of everyday work we know that investment advice can be may be corrupted. III demanded civil Senate of the Federal Court in its decision to the pqr. III ZR 249/09, that entrepreneurial investments with risk of loss that could lead even to a total loss, are adequate to attract an investment advice. If the investment adviser has unveiled an investment as secure attachment, although downside risks exist, that justify complaints. If a speculative business Funds was conveyed for the purpose of old-age provision, which is incorrect.

Because an investor must rely on his age before so-called. The Federal Supreme Court has determined in a recent decision that an entrepreneurial participation is not suitable as pensions. If in the course of a mediation and consulting a bank consultant it omits, internal commissions, to inform about so-called kick-back payments, then a guidance fault regularly. Because kick-back payments for a customer not readily apparent. If an investment advisor omitted to mention, that there are no regulated secondary market for closed-end funds, would be a sale difficult or possible with considerable losses, this justifies a charge. Our clients approach us if they feel deceived by their investment advisers. But each case is different. To prohibit lump-sum solutions. Sufferers should consult without delay individually, before claims become time-barred.

Central Bank

May 17, 2016 at 6:21 amCategory:General

Forward loan – up to 60 months in advance to secure interest Berlin, 17.01.2011 – the year 2010 was marked by a particularly favorable interest rates, which was almost the whole year very constant based on starting from the base rate of the ECB (European Central Bank). Builders and buyers have also currently still the possibility to complete favorable financing. But the turn of the interest will come – builders with long-term planning should therefore now take action and learn about relationships and savings (such as E.g. securing low interest rates with a forward loan). Forever there cheap interest rates for mortgage loans even if only a construction financing is needed in the future, so worth a look at interest rates and expert expectations for the near future. It is from the latest foreseeable, again raise the interest rate on appropriate financing. The historical interest rate lows of recent past will forever remain at this level.

The recording “cheap money” by the banks at the ECB will be soon so no longer possible due to the persistently improving market developments. The provided loans will become more expensive then, what will disclose to the borrower any credit institution by higher interest rates. Mortgage interest rates for short-term interest rate bonds are already on the way up, total historical interest on construction money specifically for the longer interest commitments are however still been extremely favourable. There are ways to back up these current low level of interest rates for future mortgage lending and to benefit in the coming years. Forward loan can a cheap alternative represent forward loan is basically nothing more than a classic construction financing by means of an annuity loan – with one important difference: this funding comes only after a maximum of 60 months lead time (the so-called forward-period). So, it is a loan agreement with already frozen conditions for a concluded in the future stress loans. This has the advantage that the current (low) interest rates for the later required loan can be secured. This is always advisable, when rising interest rates are expected.

Of course, it’s not free: depending on equipment (duration of the forward period), loan amount, interest period, and so on this interest security costs a premium. As a rule of thumb can be detained, that a forward loan pays off because this serves only if either the forward period and the interest rate can be kept as low as possible or really high interest rate increases expected which would exceed an appropriate charge. In any case worth an individual examination of the needs for a planned construction financing – particularly in the current situation -. After the request from various credit institutions can be judged then, whether or not the conditions offered are makes economic sense. Important to know: once completed, both borrowers and credit institution on the agreed terms are tied! Conclusion who needs a construction financing in the near future, should inform himself on the basis of the currently still low level of interest rates and the general expectation of rising interest rates on financing by means of a forward loan. So can if necessary favourable interest rates for a future loan “frozen”. Information can be easily viewed on the Internet at appropriate real estate portals (E.g. Immokredit24.com) or obtained from a financial advisor. More information construction interest – interest development, construction interest chart and much more. Secure forward loan – conditions, up to 6 months in advance.