Who,s Tiffancy Graninf

Low interest rates: construction as favorable as for years no longer

variety of financing options to help reduce borrowing costs

homeowners and home buyers can look forward to. The interest on housing loans are currently in Germany on a depression. It is advisable for Construction phase funding to use these low interest rates. So you get a mortgage loan at the moment 10-year fixed-rate period to an average effective interest rates of about 3.6%. 10 years ago, interest rates for these types of loans still significantly higher, at over 6 percent.
It should be but can not by the low interest rates tempted to take the highest possible credit. It makes more sense to use the donated space to increase the initial eradication. For low eradication does lead to lower monthly payments, but the loan is thus of course removed only very slowly. For a 100 000-euro loan, for which only the usual Early repayment is agreed by one percent, after ten years as a residual debt of around 88 000 euros. In two percent, the remaining debt after ten years already reduced to just under 76 000 €, and at three percent, it drops to less than 64 000 €.
Higher eradication thus provides a buffer for the follow-on financing to be negotiated, as a rule, after ten years of run time. A lower residual debt also makes it possible to absorb any increase in interest at the end of the original mortgage term.

loan structure: individual optimization of product mix

Company COM concept works as construction services with independent Financial service providers together, which guarantees an objective overall analysis and thus the most favorable product mix in each case for maximum customer benefit.
fact, in many cases can cause a combination of loans in even better terms. So it can be very lucrative for example, included in the financing of a property and state funding opportunities and so-called product combinations in the planning.
who combines a traditional loan with a variable loan, with support from the KfW, or with a private loan can, in many cases, the total interest on the financing once again significantly reduced.