Also in the age, dare one dream still of the homeowner who has fulfilled his dream of your own four walls with 40 years, must not despair. Later, a House can be financed? It, however, some tips should be noted. Otherwise the House financing retirement age become the crushing financial burden. Flexible home financing in the age has to finance the theme House important at the advanced age”not necessarily be deleted. Because now many companies offer flexible financing options, where the age of the customers is taken into account. Who is for example anticipate, that he does not pay off the loan until the beginning of the pension, should pay attention to a redemption rate, which may be modified during the term of the loan. Because usually the pension is significantly lower than the previous income. The rates are not adjusted to the new financial situation, they can become the enormous financial burden.
Finance House: stable interest rates for better planning security decisions are Consumers aged 50 and more years for construction funding, is it beneficial to complete a Volltilgerdarlehen. This, not only the interest are stable until the end of the contract, providing financial planning security. Who financed his house with this loan, must not deal also with the loan of a connection. This can be quite complicated in the retirement age that some credit institutions offer no loans to pensioners. Home financing: use special repayment many older consumers have also completed a life insurance policy that can be used for the repayment of the loan. But even inheritances and severance pay are to fully pay back the loan.
It is however important that builders and future homeowners in their home financing to arrange a special repayment. So, the loan of the monthly rate, can be paid off. While some providers pay for this option, it is in turn free others. The more equity the better who a House wants to finance, should of course have the appropriate capital. The less money must be borrowed, the less is the financial burden, which goes hand in hand with the dream of the House. Just online in advanced age should consider well, whether they should attempt a House funding without equity. Because that means most high rates, which must be paid even in retirement. Furthermore, the banks require usually a high interest rate if there are none or minimal own funds.
Protection is also more expensive, if not as in the case of the example a clerk, but a Mason wants to insure themselves. The 40-year-old pays then whopping 83 euro per month and thereby about 70% more than the merchant. The reason is obvious: who as a bricklayer on construction works hard physically, faster ill by the stress will as an office worker. Often, when a bedraggled protection is selected, there are more favourable protection. It is also important to pay attention to the duration of the contract. Because the sooner is the contract to an end, he becomes cheaper. The 30 year-old businessman in the example above pay 36 euro, so that the contract will run until the 65th birthday, there are only 24 euro, if the contract already ends to his 60th birthday, after all, a discount of more than 30%.
However create a gap of up to 7 years, until a Berufsunfahiger finally can retire then and missing during this time of course corresponding revenue, if the occupational disability insurance no longer must pay. Can disability at all meet? This is a matter of statistics. Every 4 workers in Germany will be statistically berufsunfahig. In men, there are mental illness in less than 25% of cases after investigations by best absichern.de on the subject of disability the cause of disability, women are now even well above 35%. Other main causes of disability: diseases of the skeleton, muscles and connective tissue, cancers, heart and cardiovascular diseases. And nerve diseases are often a cause of disability. When should I care disability insurance? Best as soon as possible, if you have arrived in the working life. Because you are younger, the easier a disability insurance is to get, because at a young age”most applicants have still not pre-existing conditions that prevent the conclusion or to recover the premium in the amount.