Emergency loans – or the dream of financial flexibility in all walks of life? Emergency loans are designed to provide quickly and unbureaucratically financial flexibility. At best, in all walks of life. If unemployed, insolvent or housewife, promising advertising words swear by the great wealth within a few days. But it can be so easy as consumers quickly and without great conditions to achieve the dream of independence? Emergency loans are really there. Which may thus be nothing contrary to. However, these are usually not so easy to get, how many consumers think. So certain conditions must also be, as in a normal credit, met, to find the money within a few days on the account. Beneficial noted anyway, that emergency loans available actually faster than normal loans.

So borrowers must neither seek bank branches, discuss with bank employees. All application paperwork be done online and through the mail. How is it done Allocation of an instant credit? Basically, the borrower can learn online about all conditions of emergency loans and a corresponding request in favor of a bid. This application includes questions regarding the personal data (name, date of birth, place of birth, residence, telephone) and questions about the personal circumstances (profession, family, breadwinner, regular monthly charges like rent, electricity, etc.). Itself agrees that all information must be truthful! After completing the borrower usually receives a 24-hour response, which is concluded on the basis of the inputs made, however not mandatory should be considered. Should it be in the immediate response to an immediate assent, the applicant is given the opportunity, the corresponding application forms to the (these are already filled out with the information given), down download runter laden sign and mail to the selected bank send.

(No printer exist, the application forms can be sent to also) Once the completed and signed application forms at the respective credit institution are made, these will be verified by the employees. Until now, there can be a binding commitment. That is the borrower via post the contract documents, which must be again seen through and signed will receive. Then these are together with a PostIdent coupon (serves the verification) sent to the branch of the Bank and the payment will be made within the next few days. What should you when the Sofortkrediten there are basically at Sofortkrediten to note as much as in regular installment loans. As a comparison of the emergency loans should be prior to the conclusion of a credit agreement always, which shows up in particular the differences of in interest rates. There are some banks, whose Zinsen are up to three times as high, as is the case with other banks for emergency loans. The interest rates decisively on the redemption amount of the Affect emergency loans should be no secret. In addition, the emergency loans, also considering the repayment period should be compared. Of course it is good for the consumer if it has a long time to pay off the full amount, but should be borne in mind also that also the redemption amounts sharply can increase.

Test results of the Rurup tariffs Stiftung Warentest the Rurup pension considered retirement and tax shelter in one. It was introduced especially for the self-employed, but also advisable workers can benefit from it. A Rurup pension test by independent shipping belly er magazines helps finding replaced the appropriate fare but definitely not a personal consultation. Rurup pension 12/2011 of the magazine were test in consumer magazines in the output total 62 classic offers and 24 unit-linked Rurup rates investigated. Stiftung Warentest could not make out a real winner in the unit-linked Rurup pensions.

5 Offers performed well with the classic variants. So Warentest tested Stiftung as basis for the test served a 40-year-old model customer, who paid an annual fee of 6,000 in the Rurup pension over 25 years. Special attention in this Rurup pension test was on the characteristics of the product, such as the cost of insurance during the accumulation phase, the value of the guaranteed Pension factor, the provider option, as well as the transparency of the insurance offer. Test winner of the classic Rurup pension insurance companies were in this test the best sellers for the classic Rurup pension elected: collective “BA3? by Debeka collective “E-R1B” of Europe collective “RB4F” from Hanoverian tariff “BRAGT24? Reviewed by Huk24 collective “BRA” by Huk-Coburg was also in terms of flexibility. Here, it must be mentioned that the Debeka received in the Rurup pension test 2011 only the note satisfactory and the Europe of the note sufficiently with the characteristic flexibility.

Read here more evaluation criteria and test results of individual insurers. Rurup pension disadvantages of strict legal regulations of the Rurup pension test could also not over it fool, having the Rurup pension with strong law to fight. For self-employed are the disadvantages of the Rurup pension on the hand: a termination is excluded, the Rurup pension will be paid out as an annuity and the borrowing and legacies are impossible. For whom is the Rurup pension? Even if at a Rurup pension test the disadvantages be made clear or not clear test winner is found, the Rurup pension for the self-employed, but also advisable workers makes sense. Who’d like to play it safe, is well advised to take an independent insurance agent at hand. On the subject of pension contributions over a period of time will be applied and should from the outset be adapted to your own needs.

Savings book past and present! Still one of the favorite forms of investment in the German (almost 1 third still sit on it) is the savings book, but still worth a savings account? The elder”among us know the good old savings account as a solid, safe and also lucrative investment. Interest rates up to 6% pa. were in and for the children and grandchildren I can deposit here but comfortably regularly since the Scion is happy times.Now everyone should have discovered but that 6% do not so readily to achieve. Today, the interest rate is rather between 0.1% and up to 1.55% p.a. for savings. If then the current inflation of 1.9% against, this is more a negative business principle is the passbook credit to the Bank, for which I get interest.

Since the banks but also anticipate and plan need to, long term explained also, why a savings account is not very flexible. Who wants to face because all of a sudden the situation, having to pay back its loan overnight ?!? You won’t and the banks certainly not! The payouts are limited to maximum 2,000 per month and I want more, I have to quit. “Then you are waiting still 3 months money now again the question: this is still up to date??” Passbook – interesting alternative as first should be everyone in clear, how long he would like to create, how much risk he can cope with and the system to be as flexible! Funnily enough funds to savings accounts are more than 10 years. If it brings in so much time an investment guarantee fund but perhaps would be a real alternative. Little risk, the more interest as at the savings and flexibility it is also no risk you don’t have time like to and’s should also be flexible, then the trail leads to the day money account. Here I get of course not much more interest, but I can have a day my money, without any restrictions.

For gamers”there’s the equity funds high yield potential, very flexible, but of course, always the risk that sometimes what can go wrong. There are alternatives! There is now also a very interesting combination of return chance, little tax burden and high flexibility. Here there is pension insurance fund based on that but have an option on a one-off payment of the entire capital. The background is that a pension can make no negative, i.e. the total loss is excluded here. Because the whole thing is but fondsbasiert, I have the chance 6% pa here entirely depending on the chosen Fund. And the latest in this product is that up to 1,000 remaining capital with daily availability, withdraw his money can be. A true alternative! Although many still on the passbook hold, you see, there are better u0085