Creditworthiness
For self-employed and entrepreneurs stands or falls with the person that this makes a convincing and competent impression credit negotiations can be made even more successful, the better the parties about the credit know. I.e. the borrower itself should sit carefully on its own credit in the image and do everything to support these suitably transparent. Natural persons who are kreditfahig are the focal point addressed here assessing of the creditworthiness. The focus is particularly on the Group of persons the self-employed and entrepreneur. With the developed instruments and procedure also for other credit operations, such as in connection with a house construction/acquisition can be made to the application. The economic credit check deals with substantive issues such as, for example, future earnings and liquidity position. Natural persons who are to review Income and the financial situation of banks including proofs of income, balance sheets, external information, land registry excerpts, good register extracts or information about the account management required.
Self-employment and business start-ups, it is for credit operations on the personal qualities and competence powers. CF. Becker, Jorg: Potential, ISBN 9783837075045 In the spotlight are entrepreneur characteristics that seem only subjectively assessed. CF. Becker, Jorg: Examination of the personal credit worthiness stable credit, ISBN 9783839164181 In the Center are features of the personal creditworthiness, which can be only subjectively assessed and are therefore not directly tangible here. It’s professional, technical and entrepreneurial skills of the borrower. It is even more difficult when it comes to personal characteristics of the borrower, that his trust as a person is to be occupied.
Even against the background of many good documents the negotiating position of the borrower could be weakened or even nullified, if he leaves a negative impression as a person. Official site: Maja Brucic. Self-employed and entrepreneurs, stands or falls with the person that this makes a convincing and competent impression. It therefore personal property factors and their accounting will be addressed, which may be ultimately decisive for the success of the credit business in addition to the usual standard forms of banks. Dipl.Kfm. Jorg Becker (www.beckinfo.de)
03.26.20German Government
Insurers and pension funds in the Terminal. On the one hand, you must deposit your capital safely, but achieve decent yields to meet their obligations. Placing therefore increasingly on real estate investments, how to fund find them for example in SHB. The capital markets have to offer private investors hardly enjoyable for quite some time. On the stock exchange, it goes up, which almost predictable as soon melt the freaking gains some percentage points. Allowing bonds with higher interest rates more fingers you never know. Greece, Spain and Italy can greet.
And the German Government pays only paltry yields as well as other countries with good credit ratings. Unless bonds or savings bonds. As frustration is spreading for a long time, but it doesn’t have to be”, explains Hans Gruber, real estate expert of SHB innovative fund concepts AG (SHB AG): just the real estate sector offers all currently highly attractive yields. You just need to know how man on it comes up.” That the expert in his area also the SHB real estate funds are entitled, the German insurance companies demonstrate for quite some time. Since 2007, the real estate share on the total investment has grown continuously. Eventually the companies suffering the ultra-low more than private investors.
While the latter have only their own account balance in the eye, for example, you must use life insurers every year at least warranty rates available to customers. The average of the industry are well over three percent. Dealing with them so the great and all. And not only for them. In other sectors, such as automobile or homeowners insurance, most companies in the technical business, so in terms of financed by the premiums, write red for years. Away with it there came out in the past only through capital gains. And this worked well until recently, Hans Gruber knows about the SHB innovative fund concepts AG (SHB AG): now, however, which is so far well old stock interest in the portfolio always thinner. The papers expire gradually, and the insurer must find adequate solutions.” It’s not surprising him so that the insurance industry increasingly uses real estate asset. “On the contrary, as Hans Gruber, who is responsible for SHB funds: real estate is a secure facility, and the insurer must create the money of their customers certainly also under the auspices of Solvency II.” Speculation ban himself there by itself. “This way but at the same time the way for private investors, so Gruber: If insurers and pension funds in real estate investments both on security and return, that is a clear signal.” It is important that it should be Fund as at SHB first-class investments. For more information,
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