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Borrowing money quickly for payday, that’s no problem today

Many households are already taking a smaller loan and enduring without paying their paychecks today. There is nothing to be ashamed of, as half of people simply do not have material reserves. Either the money management is a little more complicated, or simply the income is too low to save for some time. A small loan just never hurts, but the goal is to carefully choose it. It’s not just about interest, check out the options for additional services. Can you change the installment amount, will the provider really come out to you? And what about the ability to repay insurance can be arranged?

All without complicated creditworthiness checking, literally in a few minutes

All without complicated creditworthiness checking, literally in a few minutes

And get ready for not waiting too long. The whole event takes just a few minutes, including filling in a short contact form. Sending money is then really an instant matter, as many non-bank loan providers have accounts in different banks – making all the administration considerably faster. The payout loan is then really the moment! 

What is the advantage of classic non-bank loans?

What is the advantage of classic non-bank loans?

  • Settlement is discreet , no one in the neighborhood will know that you have some (though small) debt somewhere.
  • There will be only one installment in the final so you don’t have to have any other deadlines in your head.
  • It is possible to extend the installment term, you only need to arrange and pay a small extra fee.

And of course, these are not all the advantages offered by the non-bank loan world, much more. But let’s mention one particular representative who could inspire you to negotiate some kind of micro-credit. It’s a loan that bears the name of Minicredit. What is it so interesting and how much can you borrow?

For new clients there is a possibility to get up to 4500 crowns for a period of thirty calendar days, and more permanent clients can then request up to twelve and a half thousand for the same time period. It is also important that its provider has been operating on the market for over five years, so it is not a questionable novice who needs to be properly considered if you give him your confidence. In addition, a loan of this kind is a matter of a few moments, you fill out a short form where you enter your ID card and half of the case is done.

 

General Loan Terms – What is it?

 

  • What are General Loan Terms?
  • The distinction between General Loan Terms and Credit Terms
  • Components of the General Loan Conditions
  • Examination of the General Loan Conditions

What are General Loan Terms?

Loan Terms

The General Loan Conditions form the basis for a contract to be concluded between the Lender and the Borrower and fix these cornerstones in a mandatory written form. The addition of the adjective “general” already indicates in the name the universal character of the agreement to be reached.

 

The distinction between General Loan Terms and Credit Terms

The distinction between General Loan Terms and Credit Terms

Similar to the General Terms and Conditions relating to the granting of loans, the General Loan Conditions are a standardized text. This means that this is usually applied across providers . Accordingly, it differs from the broader concept of credit conditions. These provide information on the amount of the loan itself but also on all other facets of the individual agreement between the lender and the borrower and are determined for each individual case.

Components of the General Loan Conditions

Components of the General Loan Conditions

Two very important examples are the exact term of the loan and the decisive interest rate – these are elementary components of the entire loan agreement, but not of the General Loan Conditions. In turn, their individual points are usually kept the same in all loan agreements.

These include:

  • the contract period
  • the right of termination
  • the consequences of late payment
  • the possibilities of the remedy or a possible out of court settlement

Next they define:

  • the replacement and suspension of installment repayments
  • dealing with the Bank
  • the aspects of security
  • any claims for damages.

Note For the formulation of the General Loan Conditions, EU law in its current version applies.

Examination of the General Loan Conditions

Examination of the General Loan Conditions

Lenders are anxious that their General Loan Conditions comply with the law, because if the lender misinterprets it, the contract can be challenged at any time. Notwithstanding this, it is recommended that the prospective borrower thoroughly study the terms and conditions of the loan, as well as the terms and conditions, and review the individual formulations. Even if the application for the loan is to be made with great haste, this is absolutely advisable, in order to preclude later problems that can be avoided in advance. Such conditions also apply to lending, such as to service companies based in the European Union.

If you need short term money to bridge a financial bottleneck or pay a specific bill on time, make the right choice with a Express Loan. The provider works reputable, fast and reliable, so you receive the feedback and possibly also the payment on the day of your request. A bank loan is recommended due to the many disadvantages nowadays only for large investments.

How to choose a cash loan – 7 tips

“0% commission!”, “2 months without installments!”, “Credit decision in 15 minutes!” – we are shouting for ads from banks offering cash loans. Which one to choose, since everyone assures that their product is the best? The answer is not easy and depends on many factors.

Let’s start with the fact that there is no “perfect” loan that meets the expectations of all borrowers at the same time. In each advertisement we find information that the presented data refer to a specific case, and the final conditions depend on the individual credit decision. The Bank undertakes it based on the amount of the liability, the proposed financing period, and also analyzing the creditworthiness and creditworthiness of the potential applicant.

Credit credibility

Credit credibility

Banks, when estimating credit risk, are always prepared for the worst case scenario. Credit analysts do not exclude situations where the borrower may refuse partial or even full repayment of the liability. The lower the risk, the lower the loan costs. Therefore, often the more attractive financing conditions can be counted on by the existing client of a financial institution, because the bank has an insight into the history of its ROR account, savings account or credit account. It would seem that it is not a big deal, but it is very valuable information from the point of view of a potential “donor of capital”.

New customers are checked more meticulously. For higher amounts, a statement of income is not enough, but a proof of earnings issued by the employer is necessary. The bank also checks the credit history of the potential client. Lack of credit history or information about untimely repayment of existing liabilities, have a negative impact on the cost of credit, and in extreme cases, result in refusal to grant a loan.

Retrodatabase credit history

Retrodatabase credit history

Information on a person’s credit history is collected from the Bank Register System maintained by the Polish Bank Association and from the Credit Information Bureau. At Retrodatabase there is information about current loans and credits (including credit cards and account limits) taken in banks and Spółdzielcze Kasy Oszczędnościowo-Kredytowych. From the records of Retrodatabase, the financial institution learns how the debt service has been carried out from the moment of submitting the credit application until its full repayment. Data on the loan, which was repaid with troubles, are stored for up to 5 years from the time of its repayment.

The better the history in Retrodatabase, and hence the higher the score (the so-called scoring), the better the terms of the cash loan can be obtained. For those who regulate their liabilities fairly, it is advantageous to consent to the processing of information in Retrodatabase even after paying the liability. The lack of credit history has a negative impact on the assessment of the client’s creditworthiness. It is an “unknown case” for banks.

Verification of the BIG register

Verification of the BIG register

A separate issue is checking the potential borrower in the Economic Information Bureau’s registers, where there are information on debts to utilities suppliers (electricity, gas, water), telephone or television services and companies from many other industries. BIG cooperates with a huge number of entrepreneurs who enter their debtors into their registers and check potential contractors to reduce the risk of cooperation with unreliable persons.

The entry is removed only after the payment of the debt, and the information about this fact should be forwarded to the one who applied for entering the debtor in the register. Therefore, before submitting a loan application, it is worth checking your data in BIG, because the person visible in his registers is treated as insolvent or unreliable.

Creditworthiness

Creditworthiness

Creditworthiness is a completely different matter. For its definition, the lender compares the income of the loan seeker with his expenses. It is about all fixed expenses (eg rent, electricity, gas, telephone, television, car use costs), but also maintenance costs (eg food, clothing, etc.), which each bank estimates according to individual rules and incurred liabilities, i.e. loans. There are also limits on credit cards and the amount of debit limits in the account.

The condition for granting the loan is, of course, a surplus of income over the amount of the installment that the customer would repay by taking out the loan on the conditions requested (the amount of the loan and its repayment time). The more stable the source of the customer’s income is, the higher the surplus of earnings over the expenses is higher, the greater the chance for attractive loan terms. Before starting the effort for a cash loan, it is worth closing the unnecessary limits on the account or credit cards, or at least reducing their amount, in order to improve their creditworthiness.

Installments and credit holidays

Installments and credit holidays

Talking to a loan advisor, you can expect questions about the type of installments – fixed or decreasing, and with the proposal of “credit holidays”. In the case of fixed installments, the amount of the lender refunded each month is the same throughout the entire loan period. Declining installments is a situation when the first payments are high and then gradually decrease as the capital that remains to be repaid and from which interest is calculated. The first solution means an even burden on the home budget, and the second is certainly associated with greater sacrifices in the first period.

“Credit holidays” are sometimes advertised with the slogan “buy today, start paying back the New Year”. It sounds encouraging, especially when the loan repayment begins in a few weeks or months. It’s just that such a cash loan is more expensive. The interest due for the period in which the loan is not repaid is simply assigned to subsequent installments and can not be seen at all. There are also variants when the capital is later repaid, but the interest due is paid from the beginning of the loan period.

Cash loan – assessment of the bank’s offer

Cash loan - assessment of the bank

Efforts to start with a cash loan should begin by considering a number of factors – what installment can be repaid without ruining the home budget (this affects both the loan period and the maximum loan amount we can apply for) and how quickly we need money. When money is needed “for now”, you need to seek support in non-bank institutions or in those banks that provide loans on simplified terms. It should be remembered, however, that you can count on smaller amounts and generally on slightly worse conditions.

The basis for the assessment of the proposed loan is a meticulous analysis of its terms, or related costs. The regulations precisely specify that the bank should provide the potential borrower with, among others, interest rate, amount of margin, amount of insurance (if related to the loan), amount of the Actual Annual Interest Rate (APR) and the total amount to be repaid.

Not only interest

Not only interest

A low interest rate does not always mean the most attractive cash loan. The bank may reduce the interest rate, but instead apply a higher commission for granting the loan. In turn, a low commission may require the purchase of compulsory insurance (for example, for life, for job loss, total incapacity to work, etc.).

It happens that the bank offers attractive loan parameters provided that it uses other of its products, eg ROR account, credit card or account limit. It happens that these additional products in the first period of cooperation are free or run on promotional terms, but later it may turn out that the profitability of these solutions is highly debatable.

Actual Annual Interest Rate

Actual Annual Interest Rate

A good tool to compare the attractiveness of a loan is the Actual Annual Interest Rate (APR), in which all costs related to the loan are included. The higher it is, the more expensive the loan is. Comparing the APRC makes sense only for loans with the same amount for the same period, as the price of money in a given period is also taken into account for its calculation. You can also compare the total amount of the loan, which is the sum we will have to pay to the bank.

When making all comparisons, one should remember about any costs that are not directly related to the loan, and therefore are not included in its price (it does not include the APRC or the total cost of the loan), but may be a condition for granting the loan on promotional terms, i.e. the mentioned costs keeping a ROR account, credit card or other banking products.

How to apply for a loan in the Czech Republic

Nowadays, most of us live so fast that it is often impossible to find free time between work and other duties in order to bring what does not push us. The 2014 article, published in The Economist in the UK, predicted that in the future, working time would be shorter and we would have more free time. And while we have witnessed many technological advances that have promised to help us automate our lives and reduce our time at work, we seem to be increasingly busy.

Have everything done

Have everything done

Imagine the following model situation. Your partner’s family has been coming to visit you for the first time on a weekend visit since you moved to a common place. Both of you have been planning for months to get rid of all the unnecessary things and boxes in the other room and turn it into a guest room, yet you find that time and money are a luxury you can’t afford. Now, however, you have to do this unpleasant activity, so you decide to take a short-term loan to help fund this project.

Visit the bank

Visit the bank

The next day you go to the bank to see what your options are. Ten minutes you are looking for a place to park and when you finally get in, you will wait at least another thirty minutes before anyone takes your time.

Then, twenty minutes later, you discuss what loan is best for you, and you are asked to prove your income as well as tax returns.

Of course, you do not have these documents with you, and they will probably not be found anywhere at home. So you spent an hour at the bank, you go home to find the required jacks, and if you succeed, the same process awaits you from scratch.

But if the time before your family arrives is dangerously approaching, the option described above may not be the right one for you. There must be another solution. And it exists.

Loan online

Loan online

Whether you are busy and still need money quickly, we are here for you. With Ferratum Money, asking for a safe short-term loan has never been easier. You can apply for it non stop online, without unnecessary administration and without waiting.

For we know that when it comes to short-term financial assistance, time plays an important role. Therefore, our goal is to provide the fastest, best and user-friendly banking services.

A loan application takes just a few minutes and our automated technology allows loans to be approved in just a few seconds. We then send money the same day.

So what are you waiting for? Make your life easier with our online loan.

Free Loans without Commissions or Interests

We are going to show you that, getting a free loan, without commissions or interest is possible. But we want to indicate, in the first place, that you must inform yourself well of all the conditions before hiring something. Compare the financial and ask a specialist any questions that arise is important. In this way, everything will go smoothly.

The first thing we want you to know is that financial entities are not “little sisters of charity”, so this type of loan has an end that you should know what it is. You should also know that many of the financial companies that offer free credits without commissions or interests have small print in which there are hidden charges such as opening or cancellation fees.

So, before launching, look carefully at the contract to avoid surprises.

Why do you offer free loans?

Why do you offer free loans?

Financial companies offer this type of loan in order to increase their market share and what you should know is that they do it with very specific conditions and very specific amounts. Due to the large number of banking and financial entities, this type of loans is a way to attract new customers with irresistible conditions in order to generate confidence and that this operation is only the first of many others in the future.

As we said these financial companies usually have the same operation. Lend little money (300, 800 or 1000 euros) – what is known as a microcredit – and finish the operation in less than 20 minutes. The objective is to solve a momentary lack of liquidity in the consumer.

The hook, offer 0% interest, even if we are in a file of defaulters as the FCIA.

What should we look for when asking for a free credit?

What should we look for when asking for a free credit?

We want to draw attention to the fact that, although these loans without interest are free, what is known as a 0% APR, does not mean that we can not find any type of expense that we do not have, such as opening or cancellation fees, so we must make sure of everything that is not in the publicity to get our attention.

Compare the different offers of all entities and financials will help us make the best decision.
As with any type of loan, we should not forget that the conditions they offer will be maintained as long as the payment conditions are respected.

In case of doing so, we will have to respond and pay for expenses that, in general, are quite high. This is very important since most of these loans are for 30 days, time in which we must have solved the situation that led us to ask for the loan.

How to request a free loan without commissions?

How to request a free loan without commissions?

The hiring is simple online or by phone, having to provide our personal and banking information to make the request. We do not take more than 20 minutes to do it and the answer comes very quickly between 1 hour and 2 days. The time that the lender will dedicate to evaluate our proposal and personal and economic situation. If they finally grant it to us it is essential that they send us a copy of the signed contract.

And, although obvious, we should not stop thinking that the one that has no interest, does not mean that we should not return it within the agreed deadlines so as not to enter into extra expenses, so the fees must be consistent with our ability to pay and borrow. And do not forget that this type of product is mainly aimed at new customers, since it is a commercial hook with which to capture a greater mass of public for the entity or financial.

Therefore, to get Free Money it will be necessary to request the loan in a financial institution where we have not previously requested a loan.

The absence of paperwork and the few conditions that apply to applicants (which may be included in delinquency companies such as RAI or FCIA) may lack payroll or have no endorsements and payment facilities

Requirements To request Loans and Loans without Interest

Requirements To request Loans and Loans without Interest

As in all requests for money that can be made in banks and financial institutions, we must comply with a series of requirements that the financial requires:

– In the first place, we must take advantage of the existence of some campaign or promotion of the financial where it grants mini-credits without interest and without commissions.
– Be of legal age, although in some financial institutions they ask to be over 21 years old.
– Not having already enjoyed another free loan before.
– Have monthly periodic income for some concept (payroll, pension, unemployment, aid)
– Present a copy of the DNI and other documents requested by the financier.
– Have an account opened in a bank and an operational mobile phone to receive messages and an email.
– Not be in the register of defaulters, although there are exceptions that grant free credits being in debt when the debt is not of much amount and that is not due to non-payment of other loans.

For more information on the subject, we provide an article in ABC about Loans without interest and that says the Bank of Spain

From the renovation to the guarantee – financial tips for the move – instant loans

Whether brokerage commissions, renovations or bail – a move is always associated with immense costs. We have put together some tips from finding a flat to moving in.

Choice of place of residence

Choice of place of residence

Not always a move takes place within a municipality. When deciding in favor of a foreign city, additional questions arise.

Rising rents in big cities

Rising rents in big cities

Depending on where you want to go professionally or privately, the new apartment costs more than the old, you do not want to give up the previous standard. Above all, large cities such as Munich, Stuttgart, Frankfurt and Hamburg have been experiencing a veritable rush for some years – which is also reflected in the rental prices.

Thus, more than 40% of the apartments are already in a price range over 600 euros, whereas apartments under 300 euros are in short supply. Singles, who want to live here cheaply, usually stay only in shared rooms.

The rent also consumes a percentage of the cost of living in the popular and therefore expensive cities, and the trend is rising. Anyone renting a new apartment here pays about 3,000 euros more on average in many cities for an apartment of 80-120 m² than six years ago.

In Berlin and Munich, the jump is particularly large: Since the rents in Berlin have almost doubled since then, the growth in Munich with almost 6,000 euros is about one third.

So it’s up to you to decide whether you want to tackle the fight on the housing market – queues at mass visits in the staircase, numerous cancellations and high rental rates included – or maybe even a cheaper alternative is eligible. Even in the bacon belt of the metropolises, the situation can relax significantly.

Broker or search on your own?

If you are very nervous and want to save money, you can consider whether a broker really makes sense. Since a change in the law in 2015, the ordering principle applies: whoever commissions the broker, who will pay for its costs.

The amount of the costs is almost unchanged with a maximum of two months’ cold rent plus VAT, but the costs are no longer necessarily borne by a potential tenant, but possibly by the landlord himself.

Anyone who is busy with their job and does not want to constantly search for the new place of residence can hire a broker himself, who goes in search of a suitable object.

However, one should pay attention to a good reputation and a large portfolio.

Own car or public transport?

Own car or public transport?

Once the decision has been made in favor of a situation, the next question is: how good is the transport connection? Driving several bus lines right outside the front door and annoying the search for a parking lot every working day anyway, you can perhaps do without your own car in the city and so save several hundred euros annually. If a car is needed, there are now car-sharing options in every major city.

If the decision falls in favor of an idyllic country house, the question of giving up your own car is probably less – and certainly not if the children are still small and need one or the other driving service.

Deposit or guarantee?

Deposit or guarantee?

A guarantee usually comes into question if there are not enough reserves available to transfer the deposit as a monetary amount. The transfer earlier had the advantage that the landlord has created the money and you saved over the rental period interest.

Currently, however, interest rates tend to zero, the money is thus broke. A disadvantage of the transfer is the availability during a move. So it often happens that the one deposit has not been refunded, but the next is to be paid. The financial burden is thus considerable.

An alternative is the guarantee – a confirmation from the bank that it will act in the event of a claim by the landlord for the deposit. The tenant does not need any reserves, but pays a certain amount each month, which depends on the amount of the deposit, to the bank.

In a few years, the payment made exceeds the amount of the actual deposit – with the difference that the amount is gone. An advantage of the guarantee: The landlord can not keep the money at will, but must actively approach the bank with a justification. Rental disputes about the deposit payment are thus rarer.

Tips on location:

  • waive brokers, negotiate at least brokerage fees
  • possibly move to outlying areas that are (still) cheaper than the center
  • possibly the public transport can replace the car.
  • with deposit deposit instead of guarantee monthly cost savings

operating cost

operating cost

In addition to the net cold rent additional additional costs are added until one can speak of the so-called warm rent. Here are the prices, which can be added per m² on the rent, in East Germany for heating and water, slightly above the average in West Germany. Generally, cheaper rents should quickly offset this aspect.

Demand utility bill

Part of the ancillary and operating costs you pay as a tenant directly together with the rent to the landlord, who in turn creates a service charge bill annually. This letter usually triggers either great joy or pure horror – if it ever arrives.

Many a landlord takes it with the billing is not so accurate – and thus forfeits the right to a request: If the tenant does not receive the settlement by the end of the following year, in which the costs are incurred, a recovery can no longer be asserted ,

Conversely, the claim for a refund does not expire, so that you can still apply for it as a tenant years later. So if you are heating economically and are careful with water consumption, you have a good chance of regaining part of the money in the following year.

Overall, the rental price should ultimately be covered:

  • heating costs
  • Property tax and insurance for the house
  • possibly house connection of satellite system or cable
  • Caretaker, garden maintenance, snow removal service
  • refuse disposal
  • (Water)

Compare electricity providers

Compare electricity providers

In some cities, such as Hamburg, registration at the waterworks takes place separately, ie these costs are just as little included as the electricity in the rental price.

In contrast to the electricity provider, which is best determined via an independent comparison portal, since the local public utilities do not have to be the cheapest alternative, the water provider can not usually be chosen freely.

Telephone, Internet & Co.

Telephone, Internet & Co.

With the move to a new apartment is worth a price comparison of telephone and Internet service providers. For some, if you move to another city, you have a special right to terminate your current contract.

Since the service packages and associated costs change frequently, you may be able to come to a cheaper provider, especially since in some large cities local suppliers make the top dogs competition.

Tips on ancillary and operating costs:

 

  • Compare electricity providers
  • If there is a suspicion of a refund on the utility bill
  • Compare Internet and telephone providers and change if necessary

The move of the furniture

On the move itself, a large part of the costs for transport, helper and Co. are incurred. However, this also has great savings potential.

The choice of relocation helper

The choice of relocation helper

Basically, the question arises whether you prefer to drag the boxes and furniture yourself or commissioned others. At a young age, the former is already clear for financial reasons alone. Friends are hired, a Sprinter rented, the belongings packed together.

However, with increasing age and a growing number of moves, usually accompanied by an accumulation of more or less belongings, people tend to be comfortable.

If you can afford it, you may be hired by a freight forwarder, who will take care of everything from packing the dishes to setting up the vases at the new place of residence.

If you are looking for a middle ground that is financially sustainable and yet spares you, you can try to organize helpers via student job boards or other media who help you carry for little money.

In the best case, these are available at the old and the new place of residence (at a distance of two different helper teams), so that your job is limited to the transport journey. If the costs for a forwarding company are fast at 1,500 euros and more, this model – depending on the price of the rental car – from about 200 euros to have.

Helping friends to move, this is considered as a favor, in which a so-called liability relief applies, which excludes them from liability in case of damage. If something goes wrong, their liability insurance may spring in.

Organize used cartons

Organize used cartons

Moving boxes are expensive. Especially if you need a whole bunch right away. Often friends of own moves still have stacks of boxes in the basement, which they like to lend. Alternatively, look at a classified ad portal – there are new boxes for little money.

Rent a van

Rent a van

If you plan your move in time, you can make some bargains on hiring the transporter. Also important here is a comparison of different providers – especially when it comes to a one-way trip, ie, the van should be rented at the old location and delivered to the new.

Not all rental companies offer this service, and in most cases this is more expensive than the classic rental, but it can be worthwhile both in terms of time and financially, if you do not have to travel twice. It makes sense to pay attention to a sufficient mileage allowance and to choose a low excess in the event of damage.

If someone else is to control the van, an additional driver may be required for insurance reasons.

Tips for relocation transport:

Tips for relocation transport:

  • Friends are free, but damages are not insured.
  • For convenience, the complete solution is a good but expensive alternative. In any case, compare different providers.
  • If you do not want to spend a lot of money, but also do not want to wear yourself, seek helpers at a job exchange (hourly rates negotiable, from 15 euros).
  • Organize used moving boxes
  • Calculate transporter capacity generously

Interior of the apartment

Interior of the apartment

Arrived in the new apartment, it goes to the device. In addition to the classic beauty repairs, the move usually involves the purchase of new furnishings. The first move from the family home, the complete furniture must be purchased new, as long as you can not take a lot.

Later, it is usually only items that are new or replace old ones.

Of course, the choice of furniture depends primarily on personal taste – but also on the budget. One option may be classified ad portals. Especially in big cities, you can find here an oversupply of cheap and free furniture. A second option is: DIY. Creativity is in demand for self-made furniture.

Renovate the apartment

Renovate the apartment

Cosmetic repairs are either in the old, the new or the same two apartments. Unlike in the past, many apartments are now unrenovated , that is, when moving out only need to close holes and leave the walls bright.

In the best case, nothing is to be done here, possibly this can be negotiated by an agreement with the tenant additionally.

Borrow tools

Borrow tools

In the new apartment, however, usually at least one or the other little thing must be done. Not infrequently, the first problem arises with the tool: Who wants to lend a hand, not infrequently fails the missing equipment – the cordless screwdriver has almost everyone, in the drill for attaching the curtain rails it is already difficult.

If you do not want to buy the necessary equipment directly, you can visit the local hardware store. There are all electrical appliances around the crafts for low daily rates for borrowing.

The painting of the apartment

The painting of the apartment

The classic: The cheap wall paint is on offer and should serve to paint the apartment. Optimistically, you buy the amount that is calculated from the m² figures on the back – and annoys quickly that the color does not cover properly and after the second coat is not enough.

If you want to have as little trouble as possible with the stroking, directly to the more expensive color and does not wear this too close. Then usually a coat is enough. In the end, you can get away with much less color and a much lower amount of time.

The rule is: painting should be easy and not a show of strength. Anyone who presses the paint as thin as possible on the wall will also be dissatisfied.

Tips for renovating the apartment:

Tips for renovating the apartment:

  • Tools can be borrowed at the hardware store.
  • The cheap painter’s paint creates more trouble than really saving.
  • Furniture is often cheap or free on classified ad portals.

Special features of the occupation-related move

Special features of the occupation-related move

Regardless of whether it is a job change within a company, a new job or the first start of a job: The removal costs are deductible as income tax expenses. Even if the journey to work per route is shortened by at least 30 minutes, the move is considered to be relevant to your job. Chargeable are:

  • Transportation of the moving goods
  • Housing search, also sightseeing
  • Mietentschädigung
  • Flat-rate agreements, for example for removal expenses
  • brokerage costs
  • Traveling expenses
  • Newspaper ads for finding a flat
  • Payments to relocation helper
  • Cost of a cooker up to 230 euros and ovens up to 164 euros
  • Repair of transport damage

A relocation allowance can be used to claim numerous other costs. If the costs are higher than the lump sum, the actual effort can be verified by single documents:

  • Dismantling and connection costs of stoves, ovens and heaters
  • Tips to moving helpers
  • Changes or extensions of installations and electrical and gas appliances
  • Adaptation of antenna and TV connections
  • Transfer fees, including license plate number
  • curtains
  • Beauty repairs in the old apartment, also in own contribution
  • carpet cleaning

By the way, a move for private reasons can be claimed as a household-related service with 20% of the labor costs, up to a maximum of 4,000 euros.

If the move takes place within a large company, then there are some agreements that the removal costs are taken over by the company or there are at least framework contracts with service providers. Also, there are usually one or two days special leave to do the necessary authority. However, this is not a legal obligation, but a goodwill decision by the company.

Conclusion

A move can save a lot if you are willing to lend a hand and invest some time in price comparisons. It is also worthwhile in the case of a professional move to contact a tax consultant, the company should not bear all the costs on its own.

 

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