How To Get Credit

As a result, the goal of the home purchase (or home) loan is usually to raise equity or “become free”. You will certainly not get online access! You should get your best possible loan and not the one the bank wants to sell!

economics

economics

Long outdated stereotypes still shape our everyday life – including economic life. In a recent study on gender stereotypes in speculative decisions by small businesses, the authors explain, among other things, that female entrepreneurs receive lower loans on average and are not seriously and courageously accepted by potential donors in the application process as well as in negotiations.

First and foremost because the female is connected with warmth, emotion and empathy, while the man is considered reasonable, unproblematic and strict. However, these are not outdated keywords that have little influence on our everyday life, but attitudes that are conveyed to us every day anew. It can be seen, among other things, that most people who are read as women regularly experience their arguments exposed as emotional and, accordingly, devalued in various contexts, whereas many men have never had this experience.

Financing 

Financing 

For you, I manage the lengthy and complex bank negotiations and negotiate with the banks at the same level. I will give you an overview below and we will discuss the relevant offers in detail. Last but not least, I check the credit documents and coordinate the signature date with the house bank, to which I will of course accompany you.

Subordinated loan 

Subordinated loan 

Real estate has a healthy tone in the eyes of many investors. But concrete gold can also lead to cracks and the capital of investors should not be as profitable with DB Premiumzins and certainly should be invested as many investors have wished. “The investors have provided the DSi with nothing more than subordinated loans. Subordinated loans are usually associated with major risks, which can go as far as a total loss of the capital invested, ”says lawyer Ralf Buerger, specialist for banking and capital markets law at the Hagen location.

With subordinated loans, investors take an entrepreneurial risk. If the company is in financial need, the capital of the capital providers is used to fulfill the obligations. Should the company nevertheless have to file for bankruptcy, investors are at risk of being completely idle. They are regarded as subordinate claims, ie they are only fulfilled when the claims of all other lenders have been settled – if funds are still available.

“Subordinated loans are often used by entrepreneurs to obtain new equity, regardless of the bank. But for investors, this is a risky investment. Claims for damages against the mediators can also be considered if they have not informed investors about the dangers of subordinated loans. In addition, shareholders and managing directors of the company can pay compensation if, for example, they have violated the relevant provisions of the Banking Act (KWG).

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