Cheap financing | Cost-effective financing

Cost-effective financing. Now you can finance it cheaply. Funding would be a good idea to consider. We arrange favorable financing for you through our house bank.

Simple capital came from the idea of ​​writing a financial journal that was easy to use, easy to implement and yet extremely effective. Therefore, this work is about the answer to the crucial question: How can I achieve economic success in the simplest way? How can I help my children set the course for economic independence at an early age?



You can find out more about these and other questions under “Euroinfach Geldmittel”… It consciously dispenses with elaborate concepts and well-founded specialist knowledge as well as the development of solutions in the areas of marketing and sales as well as the implementation of customer wishes and wishes.

Unlike other financial advisors, the subject money in the subject is easier to understand, to convert the subject, the subject money more effectively.

Firms are faced with two fundamental financial issues: the first involves the use of funds and the second involves contracting. The key to successful financial management is the increase in (company) value. This manual describes how financial decisions are made in companies. Because financial decisions are often based on computational calculations, you will also find many examples and exercises in this manual.

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Do you want to get your dream wing funded? The in-house program allows you to quickly and easily finance every new piano and every new grand piano. Financing wings? These are our conditions for the financing of piano and grand piano *: It is a matter of course for us that every new piano and every new grand piano in all versions can be leased from our extensive range.

If you liked the device so much that you want to buy it later, please use the shopping possibility with follow-up financing. Of course, you can play your piano and grand piano favorites quietly, so when you make a purchase for piano financing or our leasing business, you are certain that the unit will suit you and your host family.

Students are in debt, banks are happy

Students get into debt – it’s obvious. Reading the report “Student Portfolio” of the Polish Bank Association, it is impossible to resist the impression that this state will only get worse.

Looking at the report, it is also impossible to get the impression that both students and banks are optimistic. Probably, if you ask your opinion, securitization funds would also be of good cheer. However, financial institutions usually rub their hands for reasons other than their clients.

Students are probably indebted mainly due to economic conditions, but they can also be folded down to the perceptible slow detachment from the reality of a large group of students. So what can make studying after many years engrave the debtor’s mark on many young people?


The student needs cash

student debt

According to the report, in a large academic city, a student spends over 2100 USD per month on living. In 3 years (from similar calculations in 2016) this gives over 30% growth. And looking at the market situation, the trend will probably continue. The largest part of these expenses are costs:

  • accommodation,
  • tuition,
  • public transport,
  • food.

For example, renting a 3-room apartment in such Wrocław or Warsaw alone is over 2 thousand. zlotys, which are most often chosen by students. Of course, those who can afford it, because 40% still live with their parents.

Where do students get money for? Parents take part in their upkeep, there are also students. who combine learning with work. And if that’s not enough, you can always borrow. Can but should it be?


Students are in debt

Students are in debt

According to the report, generally young Poles – including students – are not afraid of loans. And someone experienced could say in summary that only fools are not afraid. The fact remains that every fifth person between the ages of 18 and 24 took a loan, usually consumer. As you can guess, the majority will be repaid, according to the Polish Bank Association:

“The total amount of loans that are repaid is over $ 10.5 billion, of which the outstanding amount is $ 8.61 billion”

Characteristic optimism for youth makes almost 60% of them assess their financial situation well. Optimism also comes from estimates of how much future earnings will be. 16% of students would like to earn 5,000 – 6,000 on hand, 28% over 10,000 How does this report to reality? Currently

working people aged 18-30 in 80% of cases earn less than 3,000 USD net, 50% less than 2,000.

If the reference rate is the rate of increase of the minimum wage (100% in 10 years), it is quite easy to calculate that a large part of these people will be disappointed. Their living costs will definitely increase, especially for those who decide to have children.

Meanwhile, such optimistic thinking makes students reach for credit slightly. Many of their predecessors have already found that this approach to debt can affect their lives for years.


The day when “somehow it will be” is not enough

student loans

Life on credit can not last forever, you must finally pay it back. If anything means that the student will not do it, suddenly it turns out that on the threshold of adult life, creditors will successfully trim his wings. Financial “errors of youth” in college suddenly will not allow an adult to finance life plans. Some innocent loan from years ago, which you did not pay with carelessness, will deprive the young debtor of the opportunity to buy a home.

And then the question arises, how did it happen? And seeking a solution to the problem of debt (old or new) “yesterday”.


Smart student after the damage

student debt

Students are educated, but wisdom comes with experience, and this requires time or prior education. Young people are doomed to learning from their mistakes. How many of them have come into contact with any financial education? However, any person who is considered an adult should have this slight ability to acknowledge that one cannot know everything.

At the first stumble, as most students can think of paying back loans with loans. It is important that he then show wisdom after the damage and give up putting on such a loop around his neck. Students who are in debt have a lot of time and enough energy to cope with their debts. Often, a proper debt relief program and advice from someone with a much larger experience baggage is enough.

Interest-free loan – how to apply for an interest-free Loan under the Family Assistance Law

You are entitled to an interest-free loan

You are entitled to an interest-free loan

For the period in which you look after close relatives, you are entitled to an interest-free loan. It is intended to help alleviate the loss of income by reducing or reducing the income from work, is paid out in monthly installments and must be paid in installments at the end of the holiday. The gross monthly salary without benefits in kind for the past 12 months is decisive for the calculation of the flat-rate net monthly salary before the holidays. One-time payments and other payments (eg Holiday pay or bonuses) are included in the calculation. Even with a full vacation during breastfeeding, the loan is calculated on the basis of a fictitious income of 15 hours.

The loan thus replaced at most half the difference between the preschool income and the fictitious income from 15 hours per week. The loan must be submitted in writing. At the beginning of each calendar month in which the admission requirements are met, the credit installments are rewritten to the specified bank account. The retroactive benefit entitlement to an interest-free loan arises if the application is made within three calendar months of fulfillment of the family care requirements, otherwise the application will be valid from the beginning of the application month.

Forgets loans without interest

Forgets loans without interest

Conservatives received a non-interest-bearing loan of USD 50 000 in 2013, according to the news (Wednesday) study. According to his lawyer, Filling told the researchers that he forgot to call the loan in billing. The lawyer of the merchant also informed the authorities that the loan had been paid by the company.

He has been under stress for several months because he has the reproach that his wife would have a bogus self-employment at Parliament’s expense. Now, the allegation that the company Füllon violates their disclosure obligations, examined. Person worked for many years as a parliamentary assistant to her husband. The entrepreneur, who gave the loan to the company, is also the owner of the newspaper, for which in part the wife Penelope of the company was active.

Building a House Credit very few people want to build a house to finance

But I am not sure if I should build a condominium or a house. But very few people want to build a house to finance it. In this case, mortgage lenders can get a state-subsidized loan there.

Mortgage and variable interest rates.

Mortgage and variable interest rates.

The house costs 685k, the property is a total of 57k incl. How did you repay your property? Regarding funding: Bank mortgages have been cheaper in history than fixed mortgages. Some years later, House sold with painful loss of early repayment allowance for exactly this reason.

What do I have now as part of the funding for opportunities and what would you recommend to me? If you were to address such a request to a regular house bank as Long Loan for House, this would not be possible with almost 100% certainty.

The simultaneous amortization of a property is probably no fun?

The simultaneous amortization of a property is probably no fun?

If only one of the spouses has signed the loan agreement, then he alone has to pay the debt – even if he is the one who left. But I’m still not sure if I should build an apartment or a house.

The mortgage interest rates are thus good after deducting the tax at around 2% and 3% interest, even speculation. If the spouse is required to make alimony payments, he or she may deduct the monthly debts when calculating the maintenance from the earnings when they are paid. And who still has to repay the home loan? There is only a single home mortgage and so I am of the opinion that I should not pay. We will not have our own four years.

Of course, the owner says that the house will also pass into the possession of the owner, ie it will be paid. In contrast, the owner only pays for maintenance when needed, so that in the example the depreciation waiver is about 0, plus the relatively high and tax-free interest.