Monthly Archives: March 2014

The Perfect Construction Financing

Loan financing: What should it look like? The perfect construction financing depends on the individual circumstances of the investor. The ideal client has at least 20% equity and a safe income, he can ensure the rates for the loan financing. Who has already saved a contractor at a young age or has securities, is also an advantage. He is sought after as a customer at any Bank and receives generally good conditions. It is advisable for his own bank’s initial offer to catch up. As far as the salary at this Bank regularly arrives on the current account and also the cost of living will be handled by this account, the Bank knows the economic conditions of the future owner and can make him an offer. Finally, it will keep him not only as customers, but want to sell him the construction financing. urig.

This offer can then serve as a basis to get a comparative offers of other banks. If in addition to a concept even a capital building Life insurance exists, an insurance loan can be interesting. The life insurers offer most cheaper interest rates than banks, finance but only up to a maximum of 60% of the mortgage lending value. The remaining purchase price could then financed by the contractor. With life insurance, the death risk of the policyholder as owner would be covered. In a normal annuity loan, it applies to lock in the lowest interest rate.

If interest rates in a low interest rate environment, they should be written down on ten years, as is unlikely, they will decline even further. Good is, if the right to an annual special repayment can be agreed. The client can pay off much faster and significantly shorten the usual annuity loan very long repayment time. A variable interest rate is little recommended that the monthly charge for the future can be calculate. It is also the financing needs to divide a total on two or three loan parts and each one shorter and longer interest rate to choose. In a full financing banks pawn anyway only shock up to 60%, the rest must be financed then more expensive.

New Mobile Technology LTE

LTE was at CeBit 2011 buzz also this year in Hannover-the largest IT fair in the world took place. March 1-5, visitors to CeBit about innovations in the world of technology could find out. The new LTE Mobile technology was this of course indispensable. Best use: new hardware for LTE to keep up with the rapid development of mobile networks, even the technicians and engineers had to come up with some new features. So, renowned manufacturers presented first technical solutions for the use of LTE. Sticks of LTE and LTE router presented the new devices are designed for the use of LTE and to exploit fully the potential of the network, for example, when downloading or transferring large amounts of data. More info on. Federal Government advocated for fast LTE expansion also the policy on CeBit the use of LTE.

Rainer Bruderle, Federal Minister of Economics and technology, emphasized the goal of rapid significantly nationwide expansion of the LTE network. All households in Germany are to be equipped as soon as possible with a transfer rate of at least 50 Mbit / s. The white stains”on the mobile phone map should disappear, so that everyone with high-performance networks can be supplied. The Federal Government had at the CeBit with its initiative quick on the net”also an own booth, where visitors could find. LTE this year was at CeBit on everyone’s lips to look forward be, what theme will provide large traffic increases in the next year.

Olympic Games

As the largest sports school in the world, Club Med offers 60 sports in 80 Club resorts already throws himself into pan London for the third time in Olympic history and is the Centre of sporting events worldwide. But the interest in fitness, strength and endurance is celebrated not only in England, but is all inclusive provider Club Med focuses on for decades in the premium. Competitive spirit in the Florida Sun so inspires such as Club Med Sandpiper Bay guests to sporting excellence. With the vision to educate champions in the sport, sports academies were founded in this Club resort in Florida for tennis, golf and fitness. Prominent coaches help the development and perfecting of the individual abilities and make the 4-tridents resort to most professional sports school of the premium all inclusive party. The resort is located directly on the shores of the St. Lucie River in Florida. It shines since its renovation in 2010 / 2011 in modern design and offers courses in yoga, Pilates, Aqua Zumba, sailing and flying trapeze in addition to the sports academies.

The extensive Sports programs are already included in the tour price, apart from intensive. Slugfest of professional athletes on the tennis court Jaramillo, who number of 1 and 26 top ten player has trained eight, and has coached Scott Del Mastro, the professionals and youth all over the world provide gift for the right moves. Together, they have over 50 years experience and guide the individual training program in the industry. U.S. open blue on 14 programs can be completed hard courts, six hydro clay courts and a stadium court, which last a few days up to all these years, to demand from the beginner up to the Olympians of tomorrow every efficiency and promote. The offer includes mental performance training, nutrition counseling, and facilities such as a clubhouse, a pro shop, a FIT, performance Center and a spa. Brad Brewer and Don law present themselves as golf gurus and mentors. The Club Med Golf Academy offers two 18-hole courses, 15 world famous places nearby and numerous possibilities for tournaments.

At the fitness Academy trained athletes with their revolutionary fitness program the triathlete and five-time Ironman winner Heather Gollnick. Training for the whole family Auch the Turkish Club Med resort Palmiye offers tennis, golf and fitness programs. Also interested free of charge in the diving, sailing, scuba diving, water skiing, wakeboarding, windsurfing, as well as on the flying trapeze can try. This Club resort is located on an 800 m stretch of beach between the Taurus Mountains and the crystal-clear sea. The spacious accommodations and the variety of sports, the Club resort is ideal for families who want to feel the Olympic spirit. Accurate information to Club Med, as well as the possibility of booking get interested in the travel office, email us at, or call 01803 / 633 633 *. * 0.09 / Min. from a German landline, mobile max. 0.42 / min. Further information on Club Med at and, press pictures can on request also be be sent to high resolution. PR contact: Alexandra Ehm, Aviareps tourism GmbH, Josephsohn Spitalstrasse 15, 80331 Munich, phone: + 49 (0) 89 / 55 25 33 405, E-Mail:

Less Affordable Housing

Demand for city near apartments Berlin & Brandenburg: the sparrows it from the rooftops: the Berlin rental market offers less and less affordable housing. Especially beautiful locations, such as in Charlottenburg-Wilmersdorf, Schoneberg, Pankow, Mitte, Friedrichshain-Kreuzberg or Steglitz-Zehlendorf remain affected. At the same time, the influx in the German capital continues. Every year the population of Berlin to a small town like about Anklam grows. By 2030, the number of inhabitants to approximately 300,000 new Berlin is expected to grow. The consequences are to be expected: thanks to the great demand, prices for city Middle living room continue to grow in height, both rental and purchase prices. Concrete gold matters historically low interest rates on mortgage loans, especially in Berlin,”for this reason to the safest investments. Even users, as well as wealthy investors invest in the real estate market in Berlin and Brandenburg.

Home Builders also are booming. The demand moving to single-family homes to own use at record level. Because who invests his money early in the personal 4 walls, can make provision for old age with a home paid off and must not contend with growing rental and purchase prices. Speak for the investment in the home especially historically low interest rates: mortgage loan with ten-year it currently just are 3.0%. Equally low those interest rates could move a whole period of time. Even if house prices primarily in Berlin, the location for the construction of houses in Berlin and Brandenburg is still relatively inexpensive. Also in many other parts of Germany, homeowner households remain still affordable. This is also reflected in the mood: according to a recent survey by the Institute Forsa for the financing of the construction, 58 percent of German citizens hold the financial possibilities for the construction of a home for very good. Construction financing wants to be well planned in particular in construction financing good planning can prevent unpleasant surprises.


The universe is enormous, almost infinite, and scientists are quite admit the idea that on some distant planet outside our solar system, or even on many planets, flows the same life as on Earth. It is likely that somewhere in the vast universe there are planets whose conditions can be formed of life and maintain it over time. But what about our solar system? Today it is considered that in order to where once was life is possible, necessary atmosphere (ie, air), water, the rate of acceleration due to gravity (g, – one of the manifestations of gravity) close to the earth, and an acceptable temperature. Astronomers have conducted a series of studies finding life forms on planets in our solar system. They were looking at the planets, water, air and other substances common on Earth.

Studies of our closest neighbor – the Moon, showed that this planet is completely devoid of life forms and conditions for their formation. Here the atmosphere is completely absent, no water, the temperature conditions are practically identical with the space. This means that in the shadow of the Moon about -100 degrees Celsius and the sun – somewhere 100. And there are no intermediate values. But in our solar system has planets, the conditions on which are close to the earth.

And the first candidate on the possible existence of life forms – it's Mars. It has an atmosphere – although very sparse, close to the earth rate g, water is present, and the average temperature is – 60 degrees Celsius. Not the Caribbean, of course, but with the appropriate equipment can survive. AND Yet for humans, these conditions are unacceptable. The atmosphere is too tenuous to breathe. The wind speed can reach 100 meters per second, and precipitation are composed of sulfuric acid. Scientists are not yet fully decided about life forms on this planet – perhaps there are beings who are able to survive in such conditions. But while that official evidence of their existence does not exist. Another planet in our solar system, more or less similar in terms of the Earth – it's Venus. It is a kind of antithesis of Mars. There is water, there is an atmosphere, but it is opposite – concentrated, dense, too dense. The average air temperature is 420 degrees. The greenhouse effect on this planet is the cause of the heat, and therefore it is sometimes called Earth's future. In the present state of ecology, where there is chemical contamination of the environment on Earth, the greenhouse effect in the long term is feasible. And despite a number of similarities with Earth, life on Venus is not possible. Astronomers continued attempts to study the planets of our solar system, maybe someday findings refute the existing world view. In addition, scientists are exploring planets outside our solar system. Maybe one day in the vast universe we can detect Earth-like planets, and we wound up acquaintance with creatures quite different civilization.

Housing Industry

From 13 to 15 June 2012, 6 ESS Congress took place in Bad Oeynhausen, Germany. In the atmospheric surroundings of the Imperial Palace specialists and managers of the housing industry met Bad Oeynhausen, to discuss current issues. The approximately 180 participants were able to get in almost 20 different articles about the portfolio of services of ESS AG and its partners informed. In more than half of the articles users supplemented the information through their own experiences and reported on the success and benefits of projects within the company. The Congress programme was rounded off by guest lectures on the topics of personnel management and organizational development, as well as a panel discussion on the use of social networks in the housing industry. The ESS AG and 11 of its partner companies were also in the exhibition space for conversations, exchange of ideas, contacts and getting to know the IT – services and solutions. The management of the ESS AG and representatives of the ESS Customer Advisory Board make the number at the end of the Congress Questions of the participants.

By the event Ulrike Silver Mountain was editor-in-Chief of the journal, the housing industry. Special interest was evident in this year of wowi c/s edition leonardo. The ESS AG presented the current state of development and the further planning of development of. The current development State convinced with the complete redesign of the module safety duties, which can be operated also with mobile devices such as Smartphones and Tablet PC. Also, you were shown for the first time loan management and maintenance of housing and building equipment with wowi c/s edition leonardo. Possibilities for process optimization, which could be developed in close cooperation with a number of partner companies formed another focus at the 6th Congress of ESS. Examples of this are the efficient procurement and invoice processing with the ESS craftsmen coupling and the ad hoc data analysis with the wowi c/s Analyzer.

Hetmeier Commission

Dr. Hetmeier works for real estate in Dortmund apartment tenants pay for new leases Commission to a real estate agent the customer principle in nearly a third of the cases. The amount of the Commission is governed by the housing agency law. Two months rent plus value added tax are allowed. Particularly in the coveted city near residences of prosperous German cities are mostly tenants, who pay the broker.

In addition often still a security deposit to the landlord. This can be up to three month’s rent. This makes expensive changing housing for tenants. Anyway, the rents in major German cities attract currently strong. Hamburg remedy has announced a few weeks ago.

A legislative initiative is intended to introduce into the Federal Council to improve the position of the current. Core of the Hamburg initiative should be the introduction of the so-called principle of buyer. When the landlord asked a real estate agent with the mediation of his apartment, he and not the lessee to pay the Commission to the broker. In principle, one is reasonable cause. Who ordered the music, to pay them”, says Dr. Marita Hetmeier from Dortmund Dr. Hetmeier real estate brokerage Office. I already get my Finder’s fee in most cases by the landlord. We still have a balanced housing market in Dortmund. In many situations, not to the tenant broker Commission can offload. The landlord know and accept that they have to pay my Commission out of their own pocket.” There is also the other way around: I have more requests from solvent tenants in the Dortmund preferred places to live, in the district or district hospital looking for a chic apartment and don’t have the time to take care of themselves to the search of the apartment. In these cases, I call the Commission by the lessee, if I find a suitable apartment for him and it comes to the conclusion of the contract. The tenant has ordered me. He has completed a brokerage contract with me. He must pay therefore me.” The introduction of the principle of customer at the housing agency can Assessment by Dr. Hetmeier real estate help, to make the housing market easier and more transparent. That is why the proposal from Hamburg was worth considering. “One could not but the announced legislative initiative: the principle of the purchaser will not resolve the lack of affordable housing in the coveted urban residential areas.” Dr. Marita Hampton Dr.

PROJECT Aspelohe

In the Hamburg district of Wandsbek and in the adjoining North of the Hanseatic town Norderstedt the PROJECT group has acquired a plot each. Bamberg, 12.12.2013: There are high-quality apartments with upscale facilities in attractive residential areas. In the forest Village Road, 292-296, PROJECT plans to build a residential building with 30 condominium apartments and 24 underground parking spaces. The building will have two storeys and a floor of the season and offers a living area of approximately 2,300 m2. The sales volume is over 11 million euros. The road course of the forest village road is characterised by larger trees and green spaces. North adjoins a residential area with kleinteiligeren apartment buildings as well as some spacious single-family home development.

Primary schools and day-care centers abound on site, as sports, recreation and shopping. The second plot purchased recently by PROJECT Aspelohe 27 located in Norderstedt near Hamburg. The area of 15,000 m2 currently has a Hall complex used as a sports park, which will be demolished in the course of the conversion. The apartment building is in three sections. The sale amounts to 38 million. The construction of a residential district should include occasionally detached terraced and town houses in addition to floor housing setback floors. Ideal location for young families and commuters the thing Aspelohe 27 located in Norderstedt in the district Garstedt at the northern limit of the city of Hamburg.

The district Garstedt goes directly in the Hamburg district of Langenhorn. This results in an optimum connection to the Hanseatic City of Hamburg and the city. The immediate surroundings of the object property Aspelohe is characterized by a mostly open and growing residential areas, in the terraced houses and semi-detached houses form the focus. The close supply opportunities are very good. In addition, various social facilities such as doctors, pharmacies, kindergartens and schools in sufficient numbers are available. The site is also next to young families for commuters with reference point Hamburg ideally suited.

Internet Agency Geisenberger

Is the burden of the rent so high? The general public is being considered about the allegedly increasing rents in major cities. The burden of the tenants would steadily rise for years and cause significant problems. However, this claim has been verified also? We look at a concrete example in Munich. In the last 20 years the new prices and passing rents increased significantly. In order to assess the burden of a lessee to his income, it uses the so-called rent burden rate. The rental burden ratio specifies the ratio of the gross rents at the household net income as a percentage. In Munich the rate fell but significantly in recent years.

The Geoff Immobilien GmbH has looked at clearly the numbers as an experienced real estate agent. Applies for Munich surprising, that this 30% is decreasing in 1994 to 25% in 2007. The current figures show one in 2011 with the load rate of 23%. This means in the Inference that wages and salaries and the General cost of living have risen more than rents. Major party politicians like to see himself as a Savior of the tenant, should but analyzing these numbers and represent not only one-sided opinions in public.

Currently, the Munich Abendzeitung reported back about the dramatic situation on the real estate market in Munich. Also here is argued from our point of view to one side. We want an objective presentation of the facts. Because only so can up in Munich develop a fair real estate market – whether you’re tenants or landlords.

Exacerbate Housing Shortages

Home best protection against rising rents and first-class retirement plans with the planned price brake to prevent the grand coalition that the housing and life in the large German cities is now nearly priceless. But if the political aim of limiting the extent and pace of future increases, can be achieved, seems questionable. In particular, families with average incomes can protect against further dramatic increases only with the acquisition of residential property, says Jurgen Dawo, founder of town & country house, Germany Massivhaus leader, in an interview. The legislature wants to limit the amount of rent at first and new rental. Comparable to apply to Mietanhebungen when current leases. Are families with average incomes can afford in the future neither the living and life in major cities? Jurgen Dawo: At least the political will is there to prevent the seemingly relentless rise in rents in major German cities.

Whether by the Grand Coalition adopted rent brake is the suitable instrument, must still turn out. Some housing experts doubt it anyway. The experience teaches that Government interventions of this kind almost always miss or as in tax law open up new design possibilities, contrary to run the political intent. Reach even the opposite of what is intended. Because the coalition agreement contains naturally only the fundamental cornerstones, we will have to wait what looks in a few months the legal implementation. They said just that government intervention often do the opposite of what is intended. What do you mean with regard to the planned rent brake? Jurgen Dawo: I’m afraid with this opinion I am by the way not only that the rent brake is a brake on investment. This particularly affordable housing in the big cities would increase still scarce, therefore the rents further tangible. At the same time, looking at that cheaper housing is dedicated to and no longer bezahbar for normal income earners increasingly becoming comparatively expensive condominiums.