Loans and insurances

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Insurance rhythm of life

What is good for homeowners and people, who like to buy? The building societies at the savings phase usually lasts 7-9 years, life insurance and annuity contracts run for 30, 40 years or even longer. The interest rates are guaranteed for some time well above the level and the providers must rely on its reserves to increase interest rates.

Just capital-life insurance was preferred by the Germans for many decades as a private pension scheme and now this bias is beginning to take revenge. Many have even financed the property through a life insurance policy. One problem is that the insurance companies have very little equity exposure in their own investments. Thus, for the insured were brought billions. And now there is a further danger for the companies, because the Treasury fears according to a report by the Handel blatt, that the insurers can be brought to a serious imbalance.

"For these companies, the existing investments are no longer sufficient to cover to the actuarial reserves and capital requirements." This nightmare scenario leads to changes in the insurance. You must turn to other that yield higher returns, but are relatively low risk. Therefore, some are already investing in electricity networks, in hospital groups, and others.

Also, these alternative investments are only available to the financially sound insurance companies, because the measures planned by the EU Commission new capital requirements ("Solvency II") would charge for such investments of a higher level of equity as collateral. This raises the question of how investors have to respond to the crisis. First and foremost, one must to think about alternatives to life insurance, because if there is no better form of investment, then a bad investment is usually better than none. Terminate the long term life insurance contracts! If you cannot play for both savings rates, then you can put your life insurance and non-contributory.

Then keep the previously acquired rights and the previously accumulated savings already are achieved together with interest. They will be retained and continue to accrue. The projected maturity value will decrease naturally when they no longer make additional payments.

There are easy ways to get a loan

In general, consumers ask their local bankers for a loan. Those are traditional financing models for various purchases but these are often very expensive. However, if you notice, a classic bank at the time maintains an extensive apparatus fixed costs. Furthermore, the terms depend namely from the creditworthiness of customers and it can be little influenced by the applicant. Many still do not know that there are now easier ways for them to get a loan. The Internet is a large and attractive market has developed, which includes many benefits for those interested.

This shows many studies. So, welcome to the customer-friendly world. You just have to decide where to get the best offer for your financial problem. Although there is also the less "extended distribution channel", via their own bank website you can take out a loan or even to try a debt restructuring. Much more interesting are the many companies that have specialized in the internet to award favourable loan financing or other financial models. In that way they have become more attractive in recent years for customers in many ways. Why, you ask? Now the internet gives many opportunities for users to apply for a loan. Many financial services companies offer for sale to interested users the opportunity to apply, for example, the emergency loans.

These are often more practical and can be applied in a few steps. The payment is often only a few days after application. Even for people with negative credit, the applying online is not a problem. Ultimately, users can continue to receive so-called Internet of private loans. Private investors want to earn high returns and offer these loan seekers to the inclusion of cheap loans. Certainly one of the benefits that credit seekers is this that they can very easily obtain financing. However, you can always be informed on these issues in more detail.

It is enough if you looking for some sites that offer comparison of credits. It is only necessary to manifest a little more interest and you will find with certainty a balanced way, which to suit your financial needs.