An assignment of a land charge is an important step in home financing. When a land charge is assigned, the land charge is transferred from one bank to another. This usually happens when the existing real estate loan is moved to another bank, for example, because a more favorable financing offer was found. The assignment of the land charge takes place in ... Read more
By what percentage does the last monthly net income before retirement exceed the retirement pension? This figure is regularly recalculated by statisticians at the German Institute for Retirement Provision. The figure is also called the pension gap. Retirement income: 3-pillar modelWhat you can learn here1 Retirement income: 3-pillar model2 What income do I need in old age?3 Why is the pension gap growing in Germany?4 Pension gap ... Read more
Would you like to take out a 900 euro loan immediately? With a 900 euro instant loan, you get more financial leeway and can quickly bridge bottlenecks. In addition, 900 euros can also be helpful to fulfill a spontaneous wish. With a 900 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out an 800 euro loan immediately? With an 800 euro instant loan, you get more financial leeway and can quickly bridge bottlenecks. In addition, 800 euros can also be helpful to fulfill a spontaneous wish. With a 800 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Would you like to take out a 400 euro loan immediately? With a 400 euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 400 euros can also be helpful to fulfill a spontaneous wish. With a 400 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Earning money is legally permitted for the first time at the age of 13 according to the Youth Protection Act and the Child Labor Protection Ordinance. At the age of 12 or younger, however, you are only allowed to do favors for parents, relatives and acquaintances to earn some extra money. So we'll show you the 13 best ways for 13-year-olds to supplement their pocket money after school or on weekends.... Read more
Car loans are usually cheaper than installment loans for free use. In the case of a car loan, the vehicle title serves as collateral for the loan. Banks honor this by offering borrowers more favorable interest rates, which can even come into the low-interest region of construction financing. In the car loan comparison, you can check available interest rates, and secure the interest rate online, if you are looking for a ... Read more
A look at marriage from a financial point of viewWhat you can learn hereA look at marriage from a financial point of viewIncome tax payable by unmarried couplesHow do joint children affect unmarried couplesFamily benefit equalization: no advantage in marriageDeducting childcare costs: no advantage in marriage, but...What about alimony payments for unmarried & married couplesHealth insurance and hospitalization: differences ... Read more
Would you like to earn your own money as a 12-year-old and are interested in possible job opportunities? Then you've come to the right place. Our article looks at the opportunities for earning money from the age of 12 and explains the legal framework in accordance with the Youth Protection Act and the Child Labor Protection Ordinance. This is because the Youth Protection Act in particular places a clear limit on earning money at the age of 12. In the ... Read more
Many loan providers lure you with false promises of a loan without Credit Bureau. Often - especially in social media - perfidious scams are used to rip you off. Loans with preliminary costs, notary or cash on delivery fees are not legal in Germany. Nevertheless, these and similar fees are required for loans without Credit Bureau. Because by no means all providers without Schufa ... Read more
Find out in the following test report, which experiences I have made with the 1|2|3 Girokonto of Santander Bank. How reputable is the bank and what does it offer? The unique selling point of Santander Bank's 1|2|3 account is the multi-level bonus model, where you can receive up to €9 monthly, or €108 annually as an individual. If the ... Read more
In this article I describe my experiences with the provider VisualVest. VisualVest is a robo advisor founded in 2015 by the Union Investment Group. The company thus combines the speed and flexibility of a start-up with the expertise, security and financial strength of one of the leading fund companies in Germany. Founded in early 2015, VisualVest offers a fully automated... Read more
In the securities loan comparison, we take a look at the securities loan conditions of different providers. Important criteria when comparing the conditions of securities loans is, in addition to a favorable interest rate, whether the loan is earmarked, whether there is a report to the Schufa and, in particular, whether the provision of the loan is free of charge. I have compared numerous deposit providers ... Read more
Anyone looking for a way to invest their money often inevitably comes across the fixed-term deposit account. This is a classic that is offered by numerous banks and still offers extensive advantages. It is characteristic that it is unfortunately not possible to dispose of one's money spontaneously. But ... Read more
Apple Pay was launched in Germany on December 11, 2018, and will be accepted and used nationwide in 2022. In the United States, the contactless payment method with the iPhone and Apple Watch has been available since 2014. Since 2018, the payment service with NFC technology can also be used in this country. Konto-Kredit-Vergleich.de shows which banks offer the payment service ... Read more
There are many ways to earn money with your own car. You can use your car as advertising space, test workshops or earn money with car sharing, car pooling or with Uber with your car. In addition, owners of e-cars can use the GHG quota and sell pollution rights to companies to earn money with your e-car. ... Read more
At present, crises of international proportions are taking place all over the world. The effects can be seen in the currently very high inflation, which is reducing consumers' purchasing power and melting away assets. On top of that, it is to be expected that the government could soon take measures to decide whether to access the assets of citizens ... Read more
"Philipp, you credit rocket!" - The endless Smava ads on YouTube can sometimes trigger a gag reflex and the short-circuit reaction "Hands off Smava". We therefore examine today, whether one can trust the provider Smava, or whether one leaves nevertheless better the fingers away from Smava. If you want to take out a loan, the provider ... Read more
On April 30, 2022, the cooperation between Telefónica (o2) and Comdirect Bank on o2 banking came to an end. With comdirect as a financially strong partner, things are looking up this time. Existing customers keep their account. Nothing will change in terms of account number and cards either. However, new customers can no longer open the o2 Girokonto. It is the account ... Read more
Commerzbank is part of the Cash Group and cooperates with the banks in this group. Therefore, the question: "Which bank cooperates with Commerzbank?", can be answered with the short answer "all Cash-Group banks". The Cash-Group is an association of various banks, which you as a Commerzbank customer can also use to withdraw money from ATMs. Read more
Find out here how you can smile and make big profits at eToro by cleverly avoiding these 5 Hidden Costs at eToro!
There is news at Konto-Kredit-Vergleich.de. The test winner accounts have been awarded! I have created 8 categories. There are the following categories: The best Girokonto for youWhat you can learn hereThe best Girokonto for youBest free GirokontoCriteria for the best free GirokontoBest Girokonto with highest bonusCriteria for the best free Girokonto with maximum bonusBest Girokonto for young ... Read more
Find here all the essential info on the topic P-Konto (Pfändungsschutzkonto) The Pfändungsschutzkonto in bullet pointsWhat you can learn hereThe Pfändungsschutzkonto in bullet pointsP-Konto open - Which bank is suitable for it?What is a P-Konto?How do I open a Pfändungsschutzkonto?What amounts can be protected on the PfändungsschutzkontoPfändungsfreibetrag 2022How can I protect other amounts from garnishment?How can I protect the P-Konto ... Read more
Would you like to take out a 2000 euro loan immediately? With a 2000 euro instant loan you get more financial leeway and can quickly bridge bottlenecks. In addition, 2000 euros can also be helpful to fulfill a spontaneous wish. With a 2000 euro loan without SCHUFA, bills can also be paid quickly, which prevents further reminder fees... Read more
Using the compound interest calculatorWhat you can learn hereUsing the compound interest calculatorThe compound interest calculator: How it worksEntering starting capital in the compound interest calculatorEntering monthly savings rate in the compound interest calculatorSetting an annual interest rate in the compound interest calculatorEntering the savings period in yearsThe compound interest calculator in useThe interest rateThe compound interest effectHow you can influence the compound interest effectTimeStarting or initial capitalInterest rateThe frequency of interest paymentThe ... Read more
In this article I will show you what you need to do if you want to have 200 euros on your account as quickly and cheaply as possible. In addition, this article shows where you can get the 200 Euro Kreddit without proof of income. For each of the three cases - that is, fast, cheap or without SCHUFA information - to get 200 euros take ... Read more
Mini-credit 100 euros: under 1 euro in interest and feesWhat you can learn hereMini-credit 100 euros: under 1 euro in interest and feesWhy you should choose one of these providers if you want a 100 euro instant loan100 euros borrow immediately to the account without Schufa: How to proceed100€ instant loan: Make the loan application in the morning for a same-day ... Read more
Apply for a student loan during your studies? - If BAföG is not enough and your parents cannot cover the costs, you have to find another source of money for your studies. In addition to a part-time job or a scholarship, a student loan is also a possibility. In contrast to an installment loan, the KFW student loan is paid out in monthly installments. And also the repayment ... Read more
The 1822direkt account in the Girokonto test. The account offers a high bonus, is without paperwork when opening but requires a minimum deposit of €700 (1822direkt) or €0.01 (1822 mobile). Overall, is it a recommendation? What kind of offer does 1822direkt provide?What you can learn here1 What kind of offer does 1822direkt provide?2 1822direkt is ... Read more
The term of a loan is an important factor that determines the duration of the repayment of the borrowed amount of money. In a contract under the law of obligations, such as the loan agreement, the term is specified in a binding manner. However, this may differ depending on the borrower's financial situation. A longer term enables the borrower to repay the loan amount in smaller installments, while a shorter term results in higher monthly installments.
Update: Since March 2023, a loan after residual debt discharge is within reach at many credit institutions. Since then, the Schufa deletes the note "granted discharge of residual debt" already 6 months after the discharge of debts has been granted. Before that, the deletion from Schufa only took place after 3 years. Other credit bureaus such as Crif or Creditreform delete the note after ... Read more
In this article, I explain whether Sigma Bank will grant you a loan despite residual debt discharge and how I arrive at my assessment. In the official credit requirements of the bank, you get only general information on the granting of credit such as "No current insolvency proceedings, no wage garnishment / assignment" and "No entry in the Central Enforcement Court". Why can one deduce ... Read more
Many people are looking for answers to the questions "Which bank gives credit if your credit rating is bad?", "Which bank gives credit despite negative credit bureau?" or "Which bank is the easiest to get a loan from?". In essence, it is always about getting a loan with a high acceptance rate if you have a bad credit rating and despite a negative entry! If the credit rating... Read more
The best way to find a reputable bank where you can really get a loan despite negative Schufa is to rely on data. As a loan comparison portal, Konto-Kredit-Vergleich.com has plenty of data from banks and loan providers of negative Schufa. While many providers rarely pay out a loan, our data shows crystal clear where you really get a loan despite negative Schufa.
Do you also belong to the group of people who were rejected by the house bank or a direct bank because of a Schufa entry? I know that this is frustrating and will help you in this article in your search by finding out which bank gives a loan despite negative SCHUFA. The recommended providers work without any upfront costs or other processing fees. ... Read more
To the offerer: Bon-Kredit.de Is Bon-Kredit a rip-off? Bon-Kredit is a reputable credit broker and as a Swiss provider has a good connection to Swiss loans without Schufa. However, the protection of the loan without a guarantee of credit are unserious and often does not serve the customer. In my opinion, an inquiry at Bon-Kredit is worthwhile but alone for comparison purposes. ... Read more
This article deals with the question of which investment strategy is more successful in the long term. Are actively or passively managed funds better? Beating the marketWhat you can learn hereBeating the marketThe SPIVA studyMain results of the SPIVA studyWhat does the evaluation look like with regard to the individual regions?Active risk management: Why is it so incredibly difficult to beat the market? Read more
The N26 Girokonto is an attractive offer for a free Girokonto. Just like the banks DKB*, ING* and comdirect*, the N26 account also comes with a free credit card*. In the review of the N26 account, I show what other advantages and disadvantages the account offers. Advantages of the N26 accountWhat you can learn here1 Advantages of the ... Read more
Since digitalization has made it possible for every adult to participate online and in real time on the virtual trading floor, Germans are shedding their shyness about securities trading. Some investors try to earn money trading assets alongside their actual bread and butter and after work. Many beginners have the desire to change careers and pursue the goal of ... Read more
Find out in the following test report what experiences we have had with the free current account from comdirect. How reputable is the bank and what does it offer? comdirect is the direct bank of Commerzbank. This makes it one of the largest direct banks in Germany and has another subsidiary, onvista Bank. With the current account of the Comdirect … Read more
Investment in real estate has been a popular form of investment for many years. Initially, only institutional investors such as banks, insurance companies or pension funds could invest in real estate, but nowadays the forms of investment have become much more flexible and even private individuals can invest in real estate with little money. If you only have a little money available, there are several possibilities to invest in real estate. Read more
Find out in the following test report what my experience was with the free smartphone Girokonto 1822mobile. How reputable is the bank and what does it offer? With 1822 Mobile, the N26 (test report N26, Zur N26 Bank) now has a serious rival since 2017. 1822direkt is the direct bank of the Frankfurter Sparkasse. It thus takes on a ... Read more
If you're like many other people who are looking for ways to increase their income in addition to their main job and are willing to take risks, you've come to the right place. Because here you will learn some methods with which you can increase or even double your money in a short time. When doubling your money in a month, risky methods are ... Read more
Diligence, intelligence and perseverance are necessary if you want to earn 50 euros every day. 50 euros a day is a popular earnings target to supplement your salary from a permanent job. Maybe you are also looking for a way to build a second leg to stand on? In both cases, there are suitable online and offline earning opportunities with which you can ... Read more
Have you ever had the thought "I need money, no matter what!" When you have this thought, bad decisions are usually not far away. The panic of getting money quickly and easily blinds us. The obvious option would be to simply borrow money, or use the overdraft facility. But of course both are at the expense of your future ... Read more
You can earn money with a balcony power plant via the EEG feed-in tariff. The feed-in tariff was raised on January 1, 2023. Unused electricity is remunerated with 8.2 cents/ kWh. So you can earn about 41 Euro per year with a 600W balcony power plant. With own use, due to the almost five times higher electricity prices, even a saving of ... Read more
Play your way to money! These 13 apps and games make it possible!
Find out in the DKB test what experiences I have had with the free DKB Cash current account. The overall package convinces in the DKB Bank test. The DKB Cash Test shows in particular that the account is ideal for travellers. After all, withdrawing cash with a credit card is free of charge worldwide. Added to this is the cooperation with Miles & More... Read more
Find out in the following test report what experiences I have had with the free current account of the netbank. How reputable is the bank and what does it offer? The netbank current account is not completely free compared to numerous other online current accounts. Can it make up for this disadvantage with better performance? At a glance – the short check of the netbank … Read more
The past financial crash in 2020 during the corona pandemic was a scary situation for many. At that time, hoarding purchases in supermarkets, especially of canned goods, spaghetti, rice & co. made clear how scared many were. Also relevant for many investors was the question of whether the corona virus would bring the next major financial crash. After all, the stock markets at the end of April 2020 ... Read more
Your loan was rejected by the bank? You may belong to a group of people that banks call difficult cases. If you need a loan as: Trainee, student, during the probationary period, with a fixed-term employment contract, unemployed, self-employed, single parent, retired, on parental leave, with a negative Schufa or generally with a bad credit rating, it is difficult to get a ... Read more
If you already have debts, the question "Which bank gives credit despite debts?" is probably burning under your nails. The question is even more pressing if your loan application has already been rejected due to your debts. Smava, Auxmoney and Credimaxx can often still give you a loan despite debt. A loan despite debts is granted by ... Read more
If you want to buy a motorcycle, the question of motorcycle financing often comes up. In the article "What is the best way to finance a motorcycle?" we show you some unknown (and probably also some known) options that are open to you when it comes to motorcycle financing. The question of how a motorcycle should be financed involves weighing up the advantages ... Read more
In this article you will find out what a negative Schufa report looks like. Because if you have requested a Schufa information, the question "What does a negative Schufa information look like?" plays an important role. Because only with a little specialist knowledge can you distinguish negative Schufa information from positive information. A negative credit bureau information reduces ... Read more
This article is all about borrowing money without proof of income. Special loans allow you to get cash without proof of income. In the small loan test, Konto-Kredit-Vergleich.de found that a loan without proof of income is only available from Ferratum Bank*. At Ferratum, for example, you can get a 500 euro loan without proof of income or a 1000 euro loan without proof of income... Read more
What happens if you have too much money on the P-Konto? What options are left for you to have enough money in the month? In this article we will address these questions in detail. The article is worth reading because if you have exceeded the P-Konto, there are some cases when you can use the money ... Read more
If you lack the expertise or time to research for trading stocks or crypto, you can still make money with copy trading. Through copy trading, you use the knowledge of experts and simply skim off their returns. The earnings are 5-40 % of the invested capital per year. The average annual profit ... Read more
Inflation rates around the world exploded in 2022 and 2023. Inflation, i.e. the general increase in the price of goods and services, can have a direct impact on our daily lives. We have all felt this more than clearly when paying at the supermarket, on the electricity bill or at the gas station. Inflation Worldwide: Highest and Lowest Inflation Rates Worldwide ... Read more
Nowadays, people have numerous websites available for job search. Unfortunately, most of them have many disadvantages: inconvenient navigation, small amount of job offers, untrustworthy employers, etc. That is why many people looking for a job need a reliable job search website. A new job search website that aims to eliminate these problems is Jobsora. Jobsora … Read more
The following garnishment table 2022/2023 shows how much of your income can be garnished in the event of a wage garnishment. You can use the garnishment table 2022/2023 in case of a wage garnishment as well as in case of an account garnishment. The differences between the two garnishments can be found in the section Account garnishment vs. wage garnishment. Alternatively, you can use our garnishment calculator to calculate the garnishment amount. With ... Read more
Almost 10 % of all employees in Germany are only employed on a fixed-term basis, according to a recent survey by the Federal Statistical Office [1]. What is good for the company has many disadvantages for employees. These include taking out a loan with a fixed-term employment. In order to nevertheless obtain a loan with a fixed-term employment contract, guarantors or co-applicants often have to ... Read more
If you want to trade cheap securities, you should neither give away money nor rely on a supposedly cheap broker with many indirect and hidden fees. Instead, it is advisable to rely on a cheap depot with excellent performance. When comparing securities accounts, not only favorable conditions for one-time purchases and savings plans are decisive. Because many brokers... Read more
Are you planning a major purchase or do you want to invest in your business? Whether you're buying a new car or equipping your business, you'll need a cash injection. If your own funds are not sufficient, the bank will have to step in. But nowadays you can usually get cheaper loans on the Internet than at your local bank branch. Read more
Once both the bank and you have signed the loan agreement, it is legal. However, a legally valid and binding contract only comes into being with the consent of both parties. Once both the bank and you have signed the loan agreement, nothing can go wrong. Loan agreement signed, can anything still go wrong? Yes, if the bank's signature ... Read more
Did you get a seizure order? If the question "Can I open a new account despite the garnishment?" is going through your head, we might be able to make things easier for you. Because you can open a new account despite the garnishment and thus greatly accelerate your debt relief. However, there are a few things to consider when opening a garnishment protection account. In … Read more
Sometimes money gets tight sooner than you think: the washing machine goes on strike, the new apartment has to be redecorated or your car needs urgent repairs. In such a case, time is often short, and the way to the bank advisor is often long and bureaucratic. After all, in addition to your money problem, you now have to make an appointment, wait for a confirmation ... Read more
Debit vs credit card: With a debit card, a payment results in a direct charge to the account. With a credit card, on the other hand, the charges are not debited individually, but in bundles on a monthly basis. Credit and debit cards are an essential part of our lives today. We rely on them to make purchases online, in stores or on the phone - in short, for almost ... Read more
The PlayStation 5 is the latest and most powerful gaming console from Sony. The high-end console has been available since November 2020. In the process, the PS5 offers breathtaking graphics and fast loading times for an unparalleled gaming experience. But for many consumers, the question is: How can I afford this new console? One option is to buy the PS5 ... Read more
If you receive (unforeseen) cash receipts on the P-Konto, these payments will count against the allowance and the question may arise what to do now, or how to trick the P-Konto to tighten up the wording a bit. Finally, there are some tricks you can use to maximize the amount of money available on the P-Konto. ... Read more
With the garnishment calculator 20222/2023 you can easily determine how much wages can be garnished from your income in case of a wage garnishment. You can use the garnishment calculator 2022/2023 as a wage garnishment calculator in case of a wage garnishment or to calculate the P-Konto allowance in case of an account garnishment. You can find the differences between both garnishments in the section Account garnishment vs Wage garnishment. Alternatively, you can use the ... Read more
The idea of getting financing through a car dealership is an obvious one when buying a vehicle. After all, you know the people at the dealership personally, which often creates a certain level of trust. But if you have a negative Schufa record, it's not easy to get a loan - car dealerships as well as banks reject customers with negative Schufa ... Read more
You have exceeded your allowance on the P account and are now asking yourself "How do I get my money?". The frustration with the outflow of money is understandable. Because if the incoming money on the P account is higher than the exempt amount, the money goes to the payout account. You will find out when the bank will pay out the money to the creditors... Read more
If your employer pays your wages late, you will have 2 salary payments on your P account - in one month. You will probably exceed the monthly allowance. But what happens if the allowance is exceeded due to double receipt of payment? This is a special case of too much money on the P account, because it is actually about... Read more
Once you've signed the loan agreement, you probably just want to know: When will the money arrive? It depends on your creditworthiness, the amount of the loan and the digitization of the loan application via video identification, eSign and digital account check when the payment will be made. While the first two points affect you, the latter depend on the bank ... Read more
Lately, more and more people are talking about cryptocurrency. So, you wonder what blockchain is and how to start trading cryptocurrency? Our collection of the best books related to cryptocurrency will help you understand bitcoin, blockchain and the niche as such. The best books for getting started with cryptocurrency and ... Read more
In the event of a garnishment, it is advisable that you open a Pfändungsschutzkonto to secure your existence. Alternatively, you can convert your existing account into a Pfändungsschutzkonto. Although P accounts promise protection of credit balances, it is sometimes not possible to make a withdrawal on the P-Konto despite having a credit balance. Often, you are legally entitled to the credit ... Read more
You wonder which entries are stored in your Schufa record and want to view this data? For this you can query every entry at the Schufa. The legislator has made it a little easier for you to access your data with Article 15 of the General Data Protection Regulation (DSGVO). Because through the DSGVO you have a right to know which ... Read more
In the case of double garnishment of account and wages, there is a simultaneous garnishment of wages and account. The risk of double garnishment exists if the statutory garnishment allowance (according to the current garnishment table) is higher than the (static basic) allowance protected on the P-Konto. This is the case when the static P-Konto exemption limits between €1,340 (without maintenance obligations) and €2,956 (with 5 or more maintenance obligations) are exceeded ... Read more
If you receive an additional payment of social benefits or child benefits, the increased income in the month of the additional payment often leads to the protected exemption amount on the P-Konto being exceeded. This will cause the bank to disburse the back payment and you will no longer have access to the money. If you are expecting an additional payment, you must therefore act quickly and file a ... Read more
The real estate market is huge and there are numerous investment strategies for beginners to choose from. Long-term real estate investments are traditional investment strategies where investment properties are purchased and leased to long-term tenants. The most common long-term investment strategies are "buy and hold" and "rent and own." Many real estate investors pursue these investment strategies because of the steady cash flow and ... Read more
Buying clothes or booking the next trip: our lives are taking place more and more in virtual worlds. At the same time, the number of people with their own website is growing. After all, many want to make money as an affiliate. This also increases uncertainty: Do I even need terms and conditions on my website? If so, what belongs in it and what do I have to consider? ... Read more
After 6 weeks of coronavirus we are now in full blown economic panic that led to the 2020 stock market crash. The crash due to the corona virus marks the beginning of one of the most sudden recessions of all time. The pace of the stock market crash is frantic. Der Spiegel has compiled this in a clear graphic. The high speed of the stock market crash has to do with... Read more
The 2020 financial crisis unsettles many. If you are also wondering how to behave in the 2020 financial crisis, this article will help you. Here you will find an explanation in simple words of what the Corona crash is all about. I also give some easy-to-implement recommendations to get out of the financial crisis despite the difficult situation... Read more
We consider 4 case studies. You can then decide for yourself which one suits you best. Based on these case studies, I give clear advice on whether you should start now in the financial crisis. In a previous post, I said now is the best time to buy stocks. I still think this makes sense. In the … Read more
You can find an updated version of the article here. In a post on Wednesday, I said now is the best time to buy stocks. I still think this makes sense. In general, I see many opportunities for equity investors that are opening up because of the current crash. So I keep buying and... Read more
Yippie yeah..! The Konto-Kredit Vergleich.de site goes live in November 2018. I hope you have fun comparing the best free current accounts in Germany. With the clever Girokontenvergleich you can currently earn a bonus of 148 Eur. The comparison is therefore worthwhile!!! Furthermore, I will soon also offer consumer loans for comparison. Stay tuned. Read more: Test report: free Girokonto 1|2|3 ... Read more
