indien-amerique.com http://www.indien-amerique.com My WordPress Blog Tue, 25 Jun 2019 07:07:55 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 Rental Rates Continue To Rise http://www.indien-amerique.com/rental-rates-continue-to-rise/ http://www.indien-amerique.com/rental-rates-continue-to-rise/#respond Tue, 25 Jun 2019 07:07:55 +0000 http://www.indien-amerique.com/rental-rates-continue-to-rise/ The continuing high level of interest in private homes is due not only to the low market interest rates, but also to the rental price trend. For years, rents have risen almost uninterruptedly in some regions of Germany, and there have long been several cities where living is really expensive. This trend continues and at the same time expands into other cities.

A few days ago, “Spiegel Online” published an article on this subject, which provides prepared data. The peculiarity here: Not only the prices for new lettings were considered, but also the rental prices of existing properties. It turns out that rents have risen sharply, not only in the case of new lettings, but also in inventory. In other words, many tenants recently had to accept significant rent increases.

Rents hit the strongest where the economy is booming. Some cities attract many working people, which does not go unnoticed by rental prices. The landlords respond to the high demand by increasing the rents. Incidentally, Munich and Stuttgart are the front runners in Germany, where more than 10 euros are due on average for square meters of living space. At first this may not sound so high, but it is about average values ​​- these are very high compared to other German cities.

 

Rising rents in the north and in the east

Rising rents in the north and in the east

A trend that has been observed for the first time in recent years has intensified: rents are not only rising in the south of the republic, but also in parts of the north and east, depending on the region, significant increases in rents have been observed. The reason is above all that new business locations have emerged there, which are currently growing rapidly. Although much new housing is being created in such cities, demand is growing faster.

For those who are currently renting in such a region, this is not good news. Especially since a turnaround is not in sight, many experts continue in the coming years from rising rents. Similarly, can not be spoken of a real estate bubble, because rental prices and purchase prices are two pairs of boots. Especially in the north and in the east, rents have only started to increase for a relatively short time, which is why rental experts still see a lot of room for improvement, meaning that they could become significantly more expensive in the next few years.

 

Home as a way out of the rental price trap

Home as a way out of the rental price trap

If you want to escape this development, you have only two options: either to move into a region with low rents or alternatively to buy your own home. Most home ownership is likely to be the interesting solution, especially because the framework conditions are quite attractive.

Although real estate prices may have picked up significantly in some regions of Germany, overheating is far from over everywhere. At the same time, the construction field is very attractive, as we mentioned earlier, we can currently look at very low mortgage rates. Mortgage lending is cheaper than ever, even larger loan amounts entail a manageable interest burden.

Check your own options

Check your own options

If you also want to know more about whether and on what terms financing is possible, we are happy to help. Our independent financing specialists check which banks recommend real estate financing in your specific case. Likewise, it is also determined how high the maximum loan amount is measured and which attract lenders the best conditions.

Currently, we can evaluate conditions of more than 400 banks, building societies and insurers, which allows our customers access to very low-cost loans. Of course, the advice given by our financing specialists is free of charge and without obligation, meaning you can decide yourself at any time whether and where you are financing.

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SMS Credit Without Interest http://www.indien-amerique.com/sms-credit-without-interest/ http://www.indien-amerique.com/sms-credit-without-interest/#respond Sat, 08 Jun 2019 21:22:50 +0000 http://www.indien-amerique.com/sms-credit-without-interest/

SMS credit service is a way of drawing up quick loans. Banks do not offer such lending services. A few years ago, this technology was introduced by a lending company from Finland, and is now used by most non-bank lenders in Latvia.

 

The essence of SMS loan service

loan options without interest

The essence of this service is quite simple: the customer sends a text message and credit terms to the number indicated by the creditor, and the creditor transfers the money to the client’s account upon request. Everything you need to draw up such a credit is a client account on one of the creditors’ websites, an active mobile phone network connection, and 0.01 euros, which is usually due to the creditor to prove the authenticity of your bank account.

 

Non-bank lenders that offers SMS loan service

Non-bank lenders that offers SMS loan service

SMS loan service in Latvia is offered by few non-bank lenders: YY Finance, JJ Credit, KKK Bank, BBB Credits, and ITA Credit. All these lenders offer to apply for a loan in at least 2 ways – by filling in an application form on the company’s website and sending SMS after registration on the website. SMS credit facility is very convenient if you need to get a loan quickly in an emergency, but no internet is available. You can get money in your account for as long as 15-30 minutes when you take action.

Only 2 of the above-mentioned creditors are not members of the Latvian Non-Banking Lenders Association , which means that almost all of these credit issuers are responsible lenders and are trustworthy to their clients. Their members are committed to the principles of fair commercial practice and ready to inform consumers about responsible borrowing. Non-interest-bearing credit is a non-bank creditor offer that does not apply any interest or commissions on the loan for the first time. For example, if the size of the first loan is € 100, then the € 100 must also be repaid by the customer.

 

Loan Options

loan options without interest

The firstloan options without interest  from the above-mentioned lenders do not offer only TTY Lending and JJ Credit. The other lenders allow the client to apply for a credit via SMS and not to pay a commission for the first loan. To receive a loan from these lenders, you must register on the company’s website by filling in the registration form. After setting up an account, a creditor’s bank account must be credited with 0.01 euros to prove that the application contains the correct bank account. Then send a text message to a specific number. If the borrower meets all the conditions set by the creditor, the money will be transferred to the account in less than 60 minutes.

 

 

 

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Federal Government Plans Action Against Excessive Disbursement Interest http://www.indien-amerique.com/federal-government-plans-action-against-excessive-disbursement-interest/ http://www.indien-amerique.com/federal-government-plans-action-against-excessive-disbursement-interest/#respond Thu, 30 May 2019 21:20:49 +0000 http://www.indien-amerique.com/federal-government-plans-action-against-excessive-disbursement-interest/

For many years, consumer protection associations have been calling for a cap on disputed bankruptcy interest in order to protect bank customers from over-spending their money. The banks have always been reached for the use of “disposables” strong, in the current low interest rate is the difference between the Euribor, to which the banks lend to each other, and the average Dispo interest rate at which they lend it to their customers, particularly large. The interest margin for the current credit facilities ranges from 7.9% to 13.8%. On January 1, 2014, there was a gap of 10.6% between the Euribor and the average disbursements.

 

The Federal government makes an action

The Federal government makes an action

The new federal government would now like to take measures to protect consumers against excessive interest charges. Although the simplest and most effective regulation – the capping of the discretionary interest – failed because of resistance from the EU member states, the new federal government was at least able to agree in the coalition agreement that “the use of a disposition credit should not lead to an excessive burden on the bank customer.” In concrete terms, the Federal Government would like to oblige the credit institutions to warn the customer when transferring to the repayment credit significantly before the costs . In the event of a permanent and significant overdraft of the account , there should be a duty to advise on more favorable financing alternatives. Supposedly, the coalition parties want to bring a similar regulation in 2014 on the way, according to the Justice Department, but it could take until 2015 to have a vote ready bill.

 

Banks fight against planned dispozings measures

As expected, the project meets with little interest in the banks, they defend themselves for years against the charge of rip-off with reference to the higher risks in discretionary loans . After all, these were flexible and completely unsecured; in order to absorb the numerous loan defaults, the banking industry had to take high risk premiums . Furthermore, consumers would have the choice, they could change the bank if necessary and thus take advantage of more favorable Dispozinskonditionen . In fact, it is to switch banks each consumer free, just the checking account that is associated with a considerable time and administrative burden, which is why many fear the change. Banks are benefiting from the convenience of consumers and the lack of competition , they will not voluntarily forego overdraft interest, so lawmakers are urged to finally protect consumers .

 

Interest cover fails because of the resistance of the banking lobby

Interest cover fails because of the resistance of the banking lobby

Ideal would be an interest cover , for example, a maximum allowable interest premium on the current Euribor interest rate . Within this interest window could continue to play the competition. The banking lobby will prevent such a regulation, however, with all its might.

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Furniture For The New Season http://www.indien-amerique.com/furniture-for-the-new-season/ http://www.indien-amerique.com/furniture-for-the-new-season/#respond Tue, 09 Apr 2019 07:22:59 +0000 http://www.indien-amerique.com/furniture-for-the-new-season/ Not only in food, but also in the home furnishings more and more people value sustainability. Recycled materials are therefore very much in vogue. But that alone is not enough for the “slow living” movement. Their followers not only want to consume sustainably, but consciously as a whole. Therefore, they rely on a few, but high-quality furniture, instead of cheap goods and plenty of decoration. Renewable resources such as wood, linen, cotton or rattan are popular materials. In terms of color, the focus is on natural tones such as brown, gray, beige or khaki.

 

Smart furniture

If you do not have enough space in your flat, you need smart furniture with more than one function. Folding furniture is therefore becoming more popular. When visitors come, the bed in no time to the couch and the large dining table for space-saving Stehvariante. In addition, there are benches that can be transformed into a table with just one hand. Even more practical are 3-in-1 models. For example, smart side tables also serve as stools if required. With two more copies, they can even be stacked to the bookshelf. Because of their practical utility and innovative design, the furniture is also interesting for people who actually have enough space at home.

 

Round and organic shapes

high tech chair

 

In fashion, as in fashion, forms come back again and again that were once modern in interior design. Thus, in 2019, the kidney-shaped side table, which was extremely popular in the 1950s, is celebrating its comeback. If you are quick, you might still find well-preserved specimens in antique shops. Otherwise, there are also modern variants of glass or metal. In addition, ball lamps, which were already announced at the beginning of the noughties, are back in fashion. The bulbous models are not only as classic ceiling lamp, but also as a floor, table or floor lamp to the best advantage.

 

Art deco

 

Nothing for minimalists is the style of the “Golden Twenties”. Nevertheless, Art Déco 2019 will be modern again. The style stands for luxury, color and sensuality. Accordingly, furniture is decorated with curved shapes, precious metals and floral elements. It is also a luxurious decoration made of velvet, brocade or sequins. Whether the style matches the existing interior can be tested, for example, with a lamp, a mirror or a side table. If you like it, you can revive the 1920s at home with a velvet sofa. This fits a coffee table with glass top and gold-plated chrome supports.

 

Ice cream colors

Ice cream colors

 

To give the apartment a new look, often enough a bit of color. The selection of the right clay is inspired by the assortment of favorite ice cream parlors: strawberry, lemon, mango, pistachio and Co. are in full swing in 2019. This applies to walls as well as furniture. The soft pastel colors are particularly suitable for earthy wood tones. In particular, kitchen and hallway are so much more inviting than before. Anyone who is unsure whether the trend fits into their own home, can slowly approach. If you like pastel-colored lamps, vases or candlesticks, you can also give the wall the right look.

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Debt / Credit Card Debt: Family Assistance or Negotiation Services? http://www.indien-amerique.com/debt-credit-card-debt-family-assistance-or-negotiation-services/ http://www.indien-amerique.com/debt-credit-card-debt-family-assistance-or-negotiation-services/#respond Tue, 09 Apr 2019 01:35:14 +0000 http://www.indien-amerique.com/debt-credit-card-debt-family-assistance-or-negotiation-services/ What do you do if your debt is in arrears and you don’t have a penny to pay it off? Will you use bailouts, use the services of a credit card lawyer, or even apply for KTA to pay off the debt? In the previous article we have repeatedly explained that the above steps are not right. Using a bailout and the services of a credit card lawyer will only release you from the mouth of the crocodile and enter the mouth of the tiger. Meanwhile, using KTA to pay debts is the same as a system of digging hole openings, you will also be caught in debt.

Other options that can be used for example are asking for help from the family to help pay off debt. However, has asking for family assistance been the right step? If yes, what should be done? Then, does this mean you don’t need to use debt negotiation services anymore? Let’s look more fully at the following points to find out whether it is better to use family assistance or negotiation services when caught in credit card debt or KTA.

 

Family More Voluntary Helps You

Family More Voluntary Helps You

Of course the family will voluntarily help you to overcome the debts that have been in arrears and you can be faster to be free from debts that are still in arrears. However, if you decide to do this, it is better to look for ways so that the total debt that must be paid can be reduced. Again, credit card / KTA debt that is currently in arrears is not a family responsibility, so you must also lighten the burden of those who have volunteered to help you.

 

You Still Need to Use Negotiation Services

You Still Need to Use Negotiation Services

“My parents can help pay off my debt, but why do I still need to use negotiation services?”

Even though your family has enough funds to help you get out of debt, it doesn’t mean you can let them make full payments. You can use negotiation services so that the remaining outstanding debt that you still have can get a discount. If you use negotiation services, of course you can get the opportunity to take part in a relief program in the form of:

 

  1. Debt Discounts in One Time Pay

    Programs like this usually give a large amount of deductions. As the name implies, you must immediately pay off the debt in one payment to be free of debt. This type also has other advantages, namely faster to escape the disruption of debt collectors.

  2. Extended Installments with Low Interest

    Restructuring or commonly known as extended installments with lower interest is a program that is suitable for those of you who have limited funds but still want to pay off debt.

  3. Combined both

    This type of relief is usually given by the bank by looking at the financial condition of the customer, so that the program provided can also relieve the client. Even though the installment tenure cannot be as long as the restructuring program and discounts obtained are not as large as the debt discount program, this type of program remains an attractive choice for those who need debt relief.

After the negotiation service has managed to get relief for your debt, then the family can help pay the remaining installments of arrears to the bank in nominal terms which is certainly much lower. Next, you can start repaying the remaining arrears to the family. This still needs to be done because once again, this is the responsibility that you must do.

 

When Paying Credit Card / KTA Installments

When Paying Credit Card / KTA Installments

The case that often happens is that many people pay their credit card / KTA installments by not considering the remaining funds in the savings, so that the money has already been used up even though there are still many remaining arrears to be paid. At times like this, people who seek negotiation services with banks are often hampered because they really do not have any leftover money, even to pay the DP in the relief program. (Also read: Entangled Credit Card Debt: Bailout Funds or Negotiation Services? ) And ( Credit Card Debt / KTA: Lawyers or Negotiation Services?)

Therefore, it is very important for you to keep money so that later it can be utilized during the negotiation process. Relief on total debt that gets a discount and can help you faster to be free of debt than having to continually pay off debt to the bank with a total debt that is far greater and beyond your ability to pay. To determine the best strategy in maintaining financial flows and negotiating debt in order to get the best relief, more experience and knowledge is needed. Not everyone is able to negotiate their debt and get results that are in accordance with their ability to pay. Therefore, we strongly recommend using a trusted negotiation service so that you can get relief, which of course can save more time and save more money.

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