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A healthy New!

The end is a good opportunity to thank our partners and customers for their trust and cooperation. We also have big plans in the coming year, let us do together, and our ambitious goals together to the full satisfaction of all Participants realize.

In our first year of existence, much has happened, we have achieved a lot. On this basis, we will next year offer with our trusted old and new partners, a house with an exceptional price-performance ratio for our customers. Both the containment strategy and the Bauaufklärung with clients has proven itself and will remain a key pillar of our approach. Those looking for a standard modern house, will not provide own work and not worry about hidden costs will make that concept is on the staff of the COM in the right hands.

In this sense We want all our partners and customers a happy and successful 2010!

your COM concept team

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COM Concept: The 2009 house at a fixed price only until 31.12. 2009

The countdown is running: Only a few days remain to the current house concept with the best value for money to make reservations.

families who are planning to build a house next year, should act quickly. What is special about the offer? With a base price of € 134,900 house in a residential area of 152 m2 is not only excellent value, the purchase price is also ready to move to a house. That is, all services must be provided so that the house is habitable immediately, are included in the purchase contract. Surprises with unexpected additional costs are avoided. These favorable conditions are possible because the house is designed as a standard model, saving architecture and planning costs. Great importance is placed on high-quality materials and components from the windows and doors to flooring to the sanitary facilities or complete brand kitchen. Ecologically and energy technology is the house-to-date, is equipped with a solar system and underfloor heating with air heat pump and complies with all requirements of the latest EnEV. The house can
to 31.12. in 2009 purchased the current fixed price of € 134,900. Then run the range from irrevocable. To meet the deadline, ranging from a non-binding reservation - will be built next year.
About the nationwide reservation hotline's toll-free number 0800 - 566 266 2 can reach prospective customers on weekends and public holidays for a competent staff who could receive not only reservations but also offers an appointment for a comprehensive consultation and Bauaufklärung. Urgent Customers can also make reservations now (and in any event no later than 31/12/2009) internet (http://www.kom-concept.de).

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The COM concept Tip: The building loan from the municipality

cities run family support by giving assistance for house construction

One of the largest state subsidies in the Federal Republic was the so-called home ownership, that the law on abolition of the owner of 22 December 2005 and 01 since the tilted January 2006, granted any more. The result was a dramatic fall in planning applications by nearly a third the following year.
has now recovered thanks to the industry and created many new concepts of the necessary incentives to customers to make this a place in your own home possible.
Since the loss of home support from the Covenant there is still more difficult for property developers to realize the dream of owning a house. As the "action per home has been provided, but can jump in here at the local level initiatives. In fact, lists the address of the "action per home" many communities that make some substantial sums available to support the construction of homes in their district.

Up to 80,000 € possible through community support

The measures that cities and communities to support young families in house construction are many. As it is, for example, allows families, building land cost to acquire. Either it is land that is already in common ownership and shall be delivered at low prices, or the community promotes the acquisition of building financial support from other owners. But even low-interest loans or grants for interest during construction are offered. Often, several activities will be taken up by a client, taking the costs can be cut easily for my own house by a few tens of thousand euros. So, for example, are, in underdeveloped regions such as Sachsen-Anhalt sold in some communities, land ever for as much as € 1.

win-win situation for builders and communities

Of course, the local authorities act not out of pure altruism. Population loss is for them a costly affair, and family support is a good remedy. A declining population means less tax revenue and a loss of economic power. Therefore, a real competition between cities has arisen in which the objective is to highlight the attractiveness of the municipality particularly for economically active residents. Often, the family friendliness of the city is emphasized, especially to encourage young families to locate their businesses in the community. This results in a positive chain of events: worth the higher number of families in the community to infrastructure projects and investment in kindergartens and schools, for retailers and service leaders, it is attractive also to settle in the growing community. Overall, each city is interesting as their residence for other families. Most
increase the funding allocated by the number of children, so that larger families are particularly favored - and the communities at the same time secure for the future of higher population and the favor of grateful voters.

Conclusion

now exists a database of more than 600 communities that spread across the entire country to offer such subsidies. (See also http://www.aktion-pro-eigenheim.de ) It is worthwhile to look at the programs of the municipalities in the region, will be built in, more precisely, in order to possibly save one or two euro.

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The self-occupied property remains untouched by the state

Union and the FDP have agreed to the raise so-called protected assets of Hartz IV recipients

Who would have thought that just the tips of the CDU and FDP to the start of their coalition negotiations, the voting public with a gift to the Hartz IV receiver would be surprised in this country. Probably none, on the other hand, it should be here probably by the time the least controversial points of the future coalition partner . Act Hartz IV recipients allowed by the plans of the future government have significantly greater assets, without this your claim is lost to state benefits. As so often plays certainly a calculus in the direction of image gain a role that is particularly likely to come to the FDP good, we've also just spoken for their participation in the new government from the beginning of a period of social cold in Germany.
With the current advance in particular intends to "fundamental unfairness in the Hartz IV system" to eliminate, which - incidentally - have also increasingly the courts in this country.
goes Essentially, the increase in the protected assets the Hartz IV recipients, which is now 250, - 750, - € per year of life tripled, a measure which is aimed, however, tend to the still-working population. For here is a signal to be set: for the worker to be worth saving for old age and he should not lose its entire long-term unemployment pension again.
In this context fits the decision to protect the self-occupied property is now to complete before accessing the state. This proposal is to acquire in particular the citizens to decide their own property, facilitate, but this form of pension provision is still the safest and krisenfesteste at all.
The third point is actually the only thing that helps the current version of ALG II-dependent citizens, that is to extend the additional earnings opportunities. But it is precisely here, there are no concrete figures, only the FDP General Secretary Dirk Niebel statement that "make work pay again," what, ultimately, to everything and everyone would fit.

Conclusion
After all, an unexpected and courageous initiative of the new coalition partners. What it ultimately will be implemented remains to be seen. Sure should be the protection of owner-occupied property from the reach of the state. One more reason to be more involved in their own pension provision in this field. In accordance with good Advice and Bauaufklärung as it is within the COM concept offered this year, one is because in any case on the safe side.

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The new concept of COM Concept. A field report.

Since founding the company in April of this year, almost half a year has passed, time for us to draw a first summary.

"If an idea in the beginning does not sound absurd, then there is no hope for them."
Albert Einstein

The new firm is always trying to find a particularly innovative idea in a niche market. The COM concept is begun early this year with the same claim. From years of experience the artist in the building industry developed a concept that is consistently oriented to the needs of customers. That may sound obvious at first glance but on closer inspection it is not.
result of all these considerations on the one hand was the "housing strategy" with which the customer is constantly the best value for money and by responding to the "Bauaufklärung. The ability to create between the company and a satisfied customer house building a "win-win" situation, became a major incentive, because a satisfied customer is the best advertisement and an investment in the future.
From the beginning, this is Mrs. Madeleine Muller who worked for the COM Concept Marketing responsible for the records and thus also instrumental in the development of various approaches was and is. Thus, it is to take the best person in the company when it comes to the first experience in working with the COM concept in a resume together. We interviewed Mrs. Smith said:

question
Mrs. Muller, more generally, take care of our question to you: How does the concept of the customers, what experiences you have there can collect in the first few months?

Madeleine Müller:
My experiences are very positive, but also for property developers families sometimes very sobering.
Hardly a family really knows what all the costs to house and land come together around the various charges at all on them and what they might be about. In general, the families are very naive, approach the subject - even if they know what financial freedom they have - but then it is still the desire for specificity very large, but measured the purse at the desires relatively small.
After the initial shock has been digested and has set a certain disillusionment can then really the actual needs identified and the practicability of the project will be assessed. Often it is then, however, the reduction of special requests. At this point, we then have pointed out, even with the various other vendors to look closer, can occur where hidden costs. Also, the customer pays to be grateful. With all signs and warning signs well equipped we let the customers first reflect on it all myself.

question
connect Where previously the biggest problems?

Madeleine Müller:
The biggest problem is that the building families in the first clear, open and clear discussion - for the first time do not believe the behavior of the industry and are hiding out anywhere for the customer sites. turn out on closer inspection, at many a construction such additional services as inflationary benefits. also hidden costs in the small print is a big problem for building owners.
problems arise also in site search, and often proves to be a piece of land first with a ground survey as a cost trap, because such costs are usually only in the building costs, not in the actual construction price lists.

question
The Bauaufklärung seems indeed to arrive at the customers very well. By now you have even extended the offer, the COM concept is now offering the service on the personal Bauassistenten. Can you explain this more? What experience They have since done so far?

Madeleine Müller:
A good education prevails. Families who choose precisely one of our competitors, or perhaps for an existing property - for whatever reason - we offer the services of our personal Bauassistenten.
Here each team member, the customer is not just to the side, but regards any property or any building project as if it were his own - of experienced engineers and architects through to the lawyer, we offer a full consultancy service.
Our experience in each area to help families to ask the right questions and, if necessary existing sites to explore. Clients are helped to oversee construction processes and to secure or to negotiate in if necessary. This act, our experts as the voice between the individual trades, crafts and services customers.
In the planning application stage and Bauvorgesprächen it is important to keep the ultimate goal of the family in mind, for here will create very much the additional, which most families do not at first: It is therefore important to observe the process of sampling the budget, even if it is not always easy to tell the client that this or that does not work, sometimes it's very uncomfortable to point out repeatedly, but ultimately determines mostly the reason especially when the trust between the Bauassistenten and the customer is established.

Thank you for the information and discussion. We all wish the team of the Berlin-based COM Concept up the good experiences and further success on the road.

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"Mission is possible" or the path from the seller to the bare Bauaufklärer

First experiences clearly demonstrate the high quality and targeted Bauaufklärung the COM concept fills a major gap advice

From the beginning, the company COM Concept Bauaufklärung as the central position set within its overall approach. Meanwhile, one can say the brand "Bauaufklärer" has established itself and continues to develop successfully.
"Through the many contacts with clients who we learn how little the developers are aware of the actual construction and so absolutely naive sliding into immense financial risks - we have noticed: here is a need for education," says Ms. Madeleine Mueller, director of marketing in the COM concept.
But how compatible a comprehensive Bauaufklärung with a goal to sell 480 homes throughout Germany in the year? Because of altruism alone is not a company has earned money.
The solution is for the COM concept are obvious: the concept is not as straightforward as it seems at first glance, It creates a classic "win-win" situation for both partners. Yes it is good for the company anything, the offer supposedly best value for money in housing construction in Germany, where the customer can not assess the validity of this statement. This offering must also be suitable for the wishes of the owner. Thus enables the Bauaufklärungsteam concept of COM clients with advice in a position to provide even the most critical concerns with the construction companies to identify the black sheep of the industry independently and filter out the best offer for him.

is not available for all customers with the "concept" house the ideal solution

Besides the fact that many customers the wrong ideas about their future dream house in mind, because it is either not their financial ability, or is designed to their real needs by, it was clear from the beginning that not everyone build customer is a concept house is. This is a side effect of the housing strategy, which was factored in from the start with. What is new is the high and positive response to the Bauaufklärung that develops by the time a virtually new and separate line of business.
Many customers who do not appreciate the "concept" house fit and thus not want to build the COM concept, the exceptional quality of advice and do not miss this during the construction phase with a third party. You post this so just as an extra service in their home and other property to search.

The COM concept construction assistant

To respond to this new demand on the market, developed a new service that Bauaufklärung for all, so to speak, the personal Bauassistent.
In general, agreed to a consulting agreement for a period of 6 months, on request also with a longer term of up to one year. No matter whether the customer realized an old building, an apartment or a new building will, as the Bauassistent this time his client around the clock for all questions and problems to one side. The Bauassistent help in the preparation and review the design and performance descriptions of the various bids, analyzes them and points to missing or inadequately described services that can prove out to be a full-blown cost traps. It is often possible with the help of Bauassistenten to extract from the offerings of the various construction companies one or two percentage point discount.
Personal Bauassistent help you with the site selection and also supports our customers say in creating the necessary building permits or any soil report. go Typically, the builder must during the day to work and can take care of the little progress. This keeps the Bauassistent personal contact with the trades or offices and is the interface to the site manager.

Thus protected and cared for can sit back and enjoy each client and his dream of owning a home reassured dream to an end, because looming nightmares come this way stop in the run-time and professionally.

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The energy market is moving

overwhelmed the complexity of the energy supply is often the consumer, but he can put signals

Securing our energy supply remains an important issue for business and politics. The discussions focus on various aspects of the supply taken all by itself a panacea. Therefore, the strategies must be taken at different levels.
The fact that fossil fuels as sources of energy are only available for a limited time, can always seem to nuclear power as a supposed solution for the future. Not only events, such as the recent incident in the nuclear power plant Krümmel cast doubt on this strategy, including the oft-asserted superiority of nuclear power as a cheap source of energy is increasingly called into question by experts as the most common accidents and calculations Endsorgungskosten for no or too low to calculate nuclear waste. RECOURSE therefore also for the nuclear power operator a risky alternative. This was demonstrated recently when RWE plans for a Bulgarian nuclear reactors out of because the funding did not materialize (FTD 08/07/2009).

competition in markets for electricity and gas difficult to enforce

The idea is basically good to enforce competition on low prices and high quality of performance. Only for electricity and gas will not work so well. Scale, even from an efficiency perspective, the big corporations can be powerful and the power constraint of supply here create economically narrow limits. Although the EU Commission wants to bring the corporations by drastic penalties to reason (wg see the maximum penalties against E. ON Ruhrgas and GDF Suez. Market division), the sign of little competitive business conduct awareness. For example, Vattenfall was some time ago, the Berlin fool customers with new rates, which should even give freedom of choice between several alternatives, the alternatives were not disclosed but not a word, let alone explained. There was thus a strong lack of awareness and transparency for the consumer, so that the Berlin Senate felt it necessary then to set up contact points for the explanation of the rates of Vattenfall. Since it is not surprising if some now Municipalities the power supply to take over again in their direction and buy back electricity networks of local utilities can (see FAZ.net on 12/09/2009).

innovations as part of the solution

As a way to offer to the exploration of new energy sources and improving efficiency in energy consumption. Often in the past by environmental conditions in industrial innovation processes set in motion that have made Germany the leading suppliers of advanced environmental technology. This is convincingly explained by the energy expert Claudia Kemfert, when the energy debate with the demand, innovation instead of depression 'sums up. That something is caused, shows for example, commissioning of marine wind farms (see Spiegel Online 12.8. 2009)

must Consumers respond

so hopeless acts of her own endeavor, given the complexity of technology and market development, so have been identified but some leeway for consumers. This can do about the purchase of green electricity, energy-conscious driving, or improving the energy efficiency of their homes much. Even with new construction of houses, it is essential to make sure equal to a positive energy balance. In general, these are indeed rather small steps, but in the sum shows the behavior of consumers the energy companies and producers of economic goods where it has to go long. Then, as stressed also by Claudia Kemp, long-term energy problem will be resolved without a significant loss of quality of life are taken into account because.

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land purchase or lease

In deciding whether the property is for your own house can be bought or leased, it all depends on the individual case.

Before the desire to live in their own house, can be done is to solve the land question. This is often associated with significant problems, because land usually devour the bulk of the planned capital for house construction. Especially in urban areas, therefore, the procurement of a suitable building site to a convoluted task. Then either the house project is completely buried, or there must be substantial compromises in the size and location of the property, so you still come to their own home.
However, there is a solution that is much less known, and avoids the disadvantages described above: the land is not purchased, but acquired a long lease. This can be cheaper than buying, does not lead to increase of the necessary borrowing, which charged the monthly budget substantially, and often opens up access to attractive building sites.

What is a lease and how does it work?

When lease Land for a very long period (usually 99 years) lease. The farmer can cultivate the land more or bequeath the ground lease, which he buys with the lease contract to sell. The contract can be terminated by either side. He is certified by a notary and registered in the Land Register. Thus, the rights of the lessee of an owner which is very similar (so-called, land law "). It is also possible to arrange a purchase contract if the tenant later will be one 'correct' owners of the property. For the use of the country rent is agreed.
is usually long lease of public or offered non-profit institutions such as churches, foundations and municipalities. to handle complicated legal terms, contracts with private providers, which occur only occasionally.

How expensive is it? A financial example

order to give an impression of what financial benefits may be associated with a long-term lease of a normal real estate purchase, let's look at an example. The data on land prices and interest rates are here indeed elected as realistic, but of course purely fictitious, since there is a wide range and interest rates and terms depending on the economic situation can change quickly .. Whether buying or leasing is cheaper, can be judged only on the specific case.
Suppose, for the purchase of land needed to be € 50,000. Then be due at a rate of 4.8% and 2% redemption € 280 per month for the loan, after 25 years of credit would be paid off. Until then, therefore, would pay a total of 84,000 € (without loss of interest and without costs of land acquisition, such as taxes, brokerage fees, land registry etc.). If one were to assume a similar property of equal value in annual lease, one would at a rate of 4% at 166 € per month lease expect. After 25 years you would have paid a total of € 49,800. The lease payments then may continue to run, but the house is free of debt at this time usually, so that the land costs are not so much weight. In addition, you can arrange to purchase legal and acquire the property if the burden is getting smaller by the construction. As the example shows, the actual saving of credit and lease terms, and depending on the assumed duration of the contracts. In certain situations it may be that the option to purchase the property on credit, it is more advantageous.

What should be considered for lease?

The lease usually contains details as to how the property construction is allowed. Here one should make the contract as openly as possible, so that due not later additions or the construction of a garage as additional rents are high.
For disposals of leasehold is always sold the building, so you can not sell the leasehold separated from the house.
The conditions for the withdrawal of the rent law by the owner (reversion) must be strictly regulated, otherwise the owner may also give the property rates along with the building.
adjustment clauses in the contract may result in a considerable increase in interest rates over the period are so to look closely and included in the cost-benefit analysis.
general rule is that at high interest rates, the benefits of the lease are larger than in a low interest rates.
in straight terms of, life 'term of the lease may be long term, the fact that it is in fact not the owner of the land on which the own home is proving to be disadvantageous. Therefore, all details of the contract - in particular adjustment clauses for the lease amount, purchase rights, building restrictions or rights of the owner to take - are thoroughly examined.

Conclusion

The lease will help if the desired Land for lease only, not for sale. Then they should, with careful examination of the conditions - not afraid. But it is especially advantageous if the first few years just after the construction of liquidity and therefore the debt should be kept low, and in urban centers where attractive properties are rare and expensive. There you can come up with a long-term lease also still an affordable building site.

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If the tax increase?

The growing national debt must be tackled with an increase in revenue

The rescue operations undertaken by the State at present, to the economy from a deep to preserve recession and many companies from possible bankruptcy, will lead to a rapidly growing national debt. Forward-looking observers make is therefore thought to how the resulting deficit can be compensated in the government again. On the expenditure side, the margins are not only due to the lack of popularity of limited funding cuts but also because many expenses are based on a legal basis and contractual arrangements that can not be disregarded without further notice or been terminated. So are attempts must be made to the revenue side of the balance.

In plain language this means that taxes must be increased be.

The taxes on income and profits it is because of the negative incentive effect, however, very reluctant to talk at all of the necessary tax cuts. This could lead to a stimulation of consumption and investment to growth and thus higher tax revenues to finance so themselves. Experts, however, certainly not in the assessment of impact chains, whether that actually works - not to mention the unpredictable time delay before taking effect occurs. So the only value added tax. It is a tax on consumption, so the negative effect on investment and thus for economic growth initially low. Can However, the companies due to a sluggish consumer spending, the increase in VAT is not - as should have been tax-technical - to pass on to consumers, the profits are also affected, and thus suffers from the investment capacity of companies, which in turn would dampen the growth of national product. It also comes
to anticipatory: consumers behave rationally when major purchases such as cars or home ownership now active and not wait until after the tax increase. Economically, this pre-buying are missing but the consumption of the next period.

The economic Joker VAT

that a value added tax increase is politically relatively easy to enforce, has shown a drastic increase in the last 16 to 19 per cent for the standard rate, which ran through the federal government after the elections in autumn 2005. The negative impact of this action on the straight back a little more robust expectant economy was indeed noted by many experts, the increase came but overall little resistance, because - unlike the income tax - a tax increase is less obvious in the pockets of voters reflected.
The resulting higher prices are charged to the dealers rather than politics. What could be more than to finance the resulting deficit again to use the VAT? has to be - is spoken by 6% to 25% then - but should be a noticeable effect can be achieved, would have been a drastic increase. The apparently simple solution to the national debt, however, like any medicine other side effects: it must be an increase in illegal work is concerned, in addition, it is also ultimately a loss of consumption to a if are also slowly becoming effective reduction of growth - as the experience the last economic cycle have shown.

Differentiated increase

experts therefore propose instead a marked increase in the standard rate the abolition of the split value added tax rate before. The reduced VAT rate of 7% on some goods was originally founded social: goods and services for everyday use should be less burdened. It appeared, however, over time, that a general betterment of such foods, books, and some services also, and especially middle and higher income groups benefit, their consumption is subsidized. If we operate the reduction of subsidies as a means against unjust taxation and growing national debt seriously, the introduction of a uniform VAT rate would be certainly a reasonable measure. It will avoid that the general duty actually have to climb to astronomical heights. One seems to be clear, at the latest after the election is a however configured sales tax increase be inevitable.

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Bauaufklärung: ready is not ready to move

Who believes in a "ready" to move in the same house, is in retrospect often wrong.

Although the term now for many years is common in the industry, most developers understand something quite different among them, as the providers of such turnkey houses themselves Here are inevitable misunderstandings that the often ignorant homeowners often to his detriment . Redound
One should really believe that the concept is sufficiently well established, because you can build ready-now familiar in all construction methods and procedures and it also has many advantages. Thus, the ideal client an accurate cost control, a pre-calculated fixed price and often a relatively small construction period.
especially for the laity, and those are almost all clients before their first house building project suggests that a high level of security and transparency.
will launch into full confidence in the experienced hands of the construction companies and is looking forward to a completely finished house that waits only for the moving van.
But this is precisely the great error or Reason for initially described misunderstandings. Indeed, it is quite common for a turnkey house is not ready.

A generally accepted definition of "ready" is not

A main reason for sure is the fact that the concept is not protect in any way defined yet somehow legally, but by every provider any differently and interpreted.
Basically you can say that looks after the property developer, up to the last screw everything, but in rare cases, it is said that "the last screw to screw it himself.
As the Court rulings in recent years show is also the only justiciable, which contracted in the construction and specifications.
are in the course descriptions often do not include painting, wall and floor coverings and their installation are missing, the connections for electric - and sanitation, and sometimes even the base plate.
Therefore, the purchase agreement attached specifications include all of the individual trades work to be done. Some vendors add their building specifications also known as "negative catalogs" that had then explicitly identify what all is not done.
But where the layman supposed to know at all, reveals exactly how he has and what services it should necessarily exist, and then afterwards not to fall into a hopeless case cost?

professional and independent advice strongly recommend

To avoid these costs in advance Fallen sure everyone is wishing to build therefore strongly advised to make use of a professional and independent advice and Bauaufklärung. Architects and civil engineers who offer an independent expert or Bauaufklärer their services, so with the customer the study design and performance description of the different providers and find all those missing work, think about a layman would never. By
not calculated Costs for a turnkey object can easily be added some ten thousand euros in additional costs that may end the financial strain of the clients to the utmost and the dream of owning a house over many years could be a nightmare. The company offers
COM concept, therefore, only a completely ready to move house, which requires the calculated fixed price no longer capitalized.
But all that is later rather for another, decide not offered by their type of house, can the performance of the concept of COM Bauaufklärer as independent consultants for your home search more like to complete.

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activity Bauaufklärer

New Service for construction clients, the future builders Bauaufklärung can not abandon

Experience has shown that most domestic customers are initially only very vague ideas of what to expect with the construction of a detached house so on it. Thus, the dream house in unrealistic planning, sales-only advice and lack of transparency of costs can quickly become life-long nightmare. It is this ignorance to the building owners to make use many suppliers, and like anywhere there is a lot of money is often tricked, covered up and concealed.
is no coincidence that the house building sector, which sometimes plays very skillfully with the wishes of many house owners, often a dubious reputation.
That is another way, this year proves the new Berlin-based company active in the market COM Concept.

here called the customer service Bauaufklärer, and that is to be taken absolutely literally. Through years of experience of employees and their know-how in construction to the customer in advance about to be fully informed, where usually hidden costs, fees, phony Herstellpreise, sudden additional expenses or useless or overpriced services included or a priori planned systematic way.

short, it is the industry more transparent by Bauaufklärung for future builders be.
Bauaufklärung means even more. Namely, if in doubt to also advise against building projects can, because as the construction would restrict the personal lives of clients financially too much.

builders information days

For those who only want to check times, there are regular free Concept of COM clients information days with many good tips. The dates can be found on the Internet on the homepage of the company under http://www.kom-concept.de/ .
The good thing is it is not obliged to and can be informed in detail and advice without pressure. Armed with this knowledge, it is then much better able to put the house seller the right questions. The issue of site selection and home financing will be explained in detail at the information sessions by expert guest speakers of the respective divisions.
also for all who have been at a construction company and feel uncertainty about their decision, everyone is welcome and will be informed on request for free on the "fine print" of the existing contracts and tenders.
With all this knowledge, equipped, you can then "concept" for the currently offered either house of the company to decide COM Concept or you can go, now as a professional and not only as a layman in the next sales meetings and negotiations of the other construction companies and suppliers in the industry.

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real estate vs. social unrest

Scientific Study confirms link between property ownership and avoid social unrest

DGB, Michael Sommer, and the former candidate for the federal presidency, Gesine Schwan, warned of social unrest in Germany as a consequence of the prevailing economic crisis - an issue that just poses during election campaigns substantial explosives. The search for effective political action against the growing inequality in society, will result in the U.S., because there was a significant relation skillfully exploited, namely between homeownership and social conflict. Unfortunately, the attempt to prevent the promotion of home ownership social tension, to over-stimulation of the real estate finance itself
The search for the causes of the current economic crisis, then passed quickly to the U.S. housing market. The provision of loans to less wealthy clients who wanted to fulfill the dream of own house, was - in addition to moving of dubious credit accounts - identified as one of the evils in the system. On closer examination, however, shows that the promotion of home ownership for decades been a cornerstone of American social policy: the banks were expressly encouraged by the policy to allow even poorer strata of the population to build houses - from governments of all political persuasions. This is by Professors Eggert and warriors of the University of Paderborn in a June article appeared in the service economy has impressively demonstrated (Business Service - Journal of Economic Policy 6 / 2009). The U.S. housing policy is based on the finding that home owners in crisis situations, such as unemployment or illness, and at the age of welfare cases are rare. They are not only less vulnerable to homelessness, the fact that they have home ownership gives them a social status that makes it easier to bridge support to receive and to overcome such difficult situations.

promotion of property shall be protected from poverty and avoid social unrest

In a society that places the responsibility of the individual in the foreground, ie, reduced unemployment benefits, social assistance and publicly financed pensions on and on, it is evident that the promotion of owning a home becomes especially important. Sociologists in the United States identified a circular relationship: in cities with high home ownership rate, the need for social support is significantly lower than elsewhere. Conversely, a scaling back of social services, as we have for some time observed in Germany, to a higher ownership rate, since people at least want to ensure that roof over your head ', though other life risks are acute. (See, eg, Castles 1998). Some authors even go so far to be stated clearly that a higher ownership rate in economically underprivileged classes reduces the likelihood of social unrest (Star Love 1967 after Bratt 2009).

home ownership does not lead to crisis

The concept of the citizen by a high proportion of home ownership to better protect crises and give them a solid foundation for obtaining a high social status, is still valid. Especially in a situation in which the state can insure risks life less and less comprehensive (and will), you can not do without this instrument of economic policy.
What to do, however, a critical development, as we had to watch them in the United States to prevent?

educate the customer about the risks associated with financing and construction urgently

is secure have been missed in the past to regulate the financial sector effectively. Supervisors will be so-called financial innovations that shift the risks in the form of a pilot game advancing to the respective market participants and to a complete lack of transparency the distribution of risk in lending out, have a closer look in future. The days of a naive belief in progress in the blessings more daring financial constructs are over. But this must not lead to the lending is in well-secured projects for building owners to the problem. Therefore it is necessary to shed light on the supply side. Future homeowners must evaluate their financial options realistically. The price-performance ratio in house provider has to be right, and the house has the financial ability of the owners comply. Construction or purchase of residential property in Germany is comparatively expensive, and correspondingly low, the ownership rate. Here the market is asked to offer alternatives, affordable homes that allow families with average incomes to provide home ownership and thus provide for the future.
true pioneering work in these fields that a young company based in Berlin, the COM Concept GmbH, which offers a very interesting building offer each potential customer first full advice and Bauaufklärung.

Conclusion

The unrest is high, and rightly fear among many people, the burden of the crisis are unloaded on one side on her shoulders. Even a threat of social unrest in Germany is the question. With all due caution, in view the development in the U.S. seems necessary, should the instrument of increasing the rate of home ownership are not neglected. This can help relevant offers, but also a clear statement of policy on this social concept.

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Bratt, Rachel (2009): Homeownership as Social Policy in the U.S.: Risk and Responsibility
After the Subprime Crisis http://www.tudelft.nl/live/pagina .? jsp id = 6c837553-02e9-4524-9864-
d17cd7d56206 & lang = en & binary = / doc / Bratt.pdf

Wolfgang Eggert, Tim Krieger (2009): "Home Ownership" as a substitute for social policy: The emergence the financial crisis in the U.S., in: Economy Service No. 6 / 2009 (June 2009).

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The new concept Einhaus

Company COM Concept starts with their new "housing concept

According to statements of many banks and mortgage lender, the demand for their own four walls no longer as big as now and the present, despite the global financial and economic crisis . Many investors remember that does not in a sound and stable value investments, such as the construction of a detached house or buying a condo. The owner-occupied property does low market volatility and shall in any case over a long period its value. Another plus: long building was not as favorable as today, because central banks cut interest rates and thereby make the loans cheaper. For example
causes a lowering of the interest rate by only 0.5 percentage points for a loan of 100,000 - a saving of about € 3.000, - € reckoned to 10 years.

New approach for homebuilders

this current trend, the company has developed a COM Concept House, available now for a fixed price of 134 900, - € is ready to move and thus acquire for many interested customers affordable. Possible this extraordinary offer by an equally unusual strategy of "containment concept" is. Starting point for considerations was the fact that the vast Majority of customers for a standard house decides. This standard has been redefined as the sum of experiences, and has gone into the planning and design of the house. Here, the COM concept is consistently pursuing the path of standardization for layout, construction materials and interior fittings. Customers benefit from high quality and short construction times with absolute cost certainty over the full term of the offer.

Ready to be moved instead of turnkey

COM Concept promises its customers, in contrast to most competitors, a really ready to move house. Ready to move means that you have to provide any personal services, not even the painting. For the experience have shown that the savings potential of internal activities is often not as high as many expect, not to mention the enormous physical and psychological burden on the builders as lay people on their own site. It should also at this point that the house comes with a complete and modern fitted kitchen with oven, ceramic hob, dishwasher and wall hood. Furthermore, to mention the standard air heat with underfloor heating and a flat solar collector for water heating, which is built according to the latest EnEV Energy Regulation future-proof and energy efficient.
addition to the quality of construction, the situation is a particularly important criterion for Value of the property.
The concept house with an area of 8 x 9 meters or less fit to each plot, and you can find, even in special situations still suitable and affordable land. In general, the space is divided optimally. On the two floors, the hotel offers a living space of 118 m2 and a total residential floor space of 156 m2.

Guaranteed fixed price, high building speed and expert advice

The COM concept as a construction services provider focused solely on the core business of house building and the advice, support and Bauaufklärung of future clients. It therefore does not represent finance and land, but on request Contacts connect to the respective service providers.
The focus for the care and advise the customer during the entire application and construction, as most owners have no experience and tend to build for the first time so they are professionally managed through the jungle of rules and regulations and received the necessary help filling out all relevant forms and applications.

The staff of the COM concept are thus as Bauaufklärer and not just as a home seller. They have no pressure to sell, are not clear and depends on the commission charged to clients on all aspects of house building and hand it to him after that even certain whether this really a concept wants to build a house or not.
And, there is already a bit of pressure, because the offer is strictly limited, and there should be only 30 houses per year per state.
reacted just in the house COM Concept consistently place on quality over quantity.

new jobs for your region

Speaking Bauaufklärer and Managers: The Concept COM is still looking for some regions and postcode areas suitable and competent employees who want to take after training in their region of the support for any building. If you are coming from the construction industry or are interested in and are interested, please feel free to contact us. All information to found on the Internet on the homepage of the COM Concept GmbH http://www.kom-concept.de.

Conclusion

OK, the dream house is not and will not be this house, but it remains for the most unaffordable in any case only a dream. Is it a real good financially viable home ownership, provides the COM concept but at the moment with this offer without doubt a house with an unbeatable price - performance ratio in the excellent build quality.