Cheap costs for private and commercial

 

In times of constantly increasing rents, the deposit becomes an increasing burden for tenants. With cold rents of 1,000 euros and more, 3,000 euros bail for many people are still difficult to handle. Moving costs, brokerage commissions and the renovation make a change of residence an expensive fun. Anyone looking for a solution, as he ties at least his free money still not on a Mietautionssparbuch, for example, find a Mietaval.

Rental leases are even more important for commercial tenants. While the legislature limits the deposit to three rents for private housing, it can be up to six months for commercial leases. With a cold rent of 3,000 euros, the bail, especially for business founders fatal high.

comparison

comparison

Mietaval comparison for business and private

  • Here you can compare different Mietaval providers or Mietkautionsbürgschaft offers online.
  • Just choose the amount of the deposit, the desired term and whether it is a private apartment or a commercial object. After a click on “Compare rental deposit” your personal comparison result will be provided in a few seconds.
  • Afterwards you can conclude your rent deposit guarantee directly online.

What is actually a Mietaval?

What is actually a Mietaval?

A rental agreement is a guarantee from the bank to the landlord that he is responsible for any claims of the landlord against the tenant. The Mietaval assumes that the tenant has a corresponding credit rating. The check of the creditworthiness is exactly as if the tenant actually applied for a loan. Legally speaking, a lease agreement for the bank is a contingent liability, as it is not clear whether it actually has to pay for rent losses. If this happens, the bank then takes the renter into recourse.

For the tenant, an avalanche means that its credit rating is reduced by the amount of the guarantee. Assuming that he would be “good” with his income for a loan of 50,000 euros, the Aval is 3,000 euros, he could still take a loan in the amount of 47,000 euros.

Mietavale offer for tenants and landlords an important asset: The landlord knows that the credit rating of his tenant is correspondingly good, the tenant does not have to endeavor to provide a separate Schufa information.

Why compare Mietaval?

Why compare Mietaval?

Why do borrowers compare the terms of each bank? Right, because there are differences. And that’s just the case with rental avaible. In addition to a set-up fee is also an annual avalage fee.

For the preparation of the Avalurkunde calculate the banks once between 30 and 50 euros. The annual avalage fee is 3.5% on average and is due on the amount of the guarantee. However, banks often charge a minimum fee, usually 50 euros.

Guarantees are usually available in sizes ranging from 750 euros to 10,000 euros. A comparison for Mietavale shows once again that online banks in many areas compared to the affiliate institutes are simply the cheaper alternative.

Alternatively to a Mietaval offers a Mietkachtsversicherung, which basically follows the same pattern. The Schufa exam is also included.

Paying debts: useful tips to face a common situation

 

 

When you think you have touched the bottom here you fall even lower.

This does not want to be a demoralizing article, far from it. It wants to be a lifeline for those who, like many others, are experiencing an uneasy situation with the further concern that their circumstances could worsen further.

One of the worst things that can happen in an already difficult period due to an economic crisis, is the loss of work. Staying at home means kneeling oneself and one’s family. Remember that having debts is depressing but it is a situation from which you can go out with determination and fortitude.

If you are reading this article and are in a situation of economic difficulty, read our tips carefully.

Define a primary budget

First, define a survival budget. Planning expenses will allow you to get to the end of the month without surprises, managing to save what little you need to face any even harsher moments.

Cut everything that is superfluous at the moment. Do it thinking it will come a day in which you can end the sacrifices and resume your life in peace.

In the primary budget enter the necessary expenses : food, rent or mortgage, installment for the car, petrol, transport costs. Also take into account the severance indemnity, any unemployment and extra work. To save money you can delete your landline, pay-TV, various season tickets and leisure time.

Here comes the toughest moment. If the primary budget is not enough to pay the debts it will be necessary to take cover; debts must take precedence over the rest. You can evaluate to sell the car and use public transport or request the suspension of the loan for a few months.

If you are unemployed, avoid using a credit card or using a bank credit, you would accumulate interest that would turn into other debts to be paid. The purpose is to contain expenses without further debts.

Even if it seems impossible to you it’s not like that. There is always a way to cut something. Often this also helps to realize the superfluous.

Let’s take an example: you can shop at discount stores or go hunting for offers. This does not mean turning all the supermarkets in search of the best promotion; when, however, you find an interesting offer, take stock, especially if it is non-perishable products.

This strategy will help you pay your debts even at a time of great difficulty.

Negotiate a repayment plan with your creditors

If you can not pay the debts, negotiate another repayment plan to reduce the interest or lower the installment.

You can also negotiate with the bank, simply contact your institution to make an appointment.

In the case of debts with Fortalia it is possible to obtain the extension on the payment of tax bills bycontacting the appropriate offices.

 

Paying debts when you are without money, requires effort and willpower, but by planning your income and expenses you can pay off your debts and avoid accumulating others.