Managing Director
The idea was actually very intelligent many owner-occupied gave their savings in building societies, these farmed it so that the construction party has also cheap construction money on the day of X. In fact the cooperative idea. Today the situation is different: as of December 31, 2008, the building societies in Germany managed 920 billion euro (for comparison: the Federal Republic from total income originates from 239,6 billion euros in 2010); 80 billion euros of which are zuteilungsreif which corresponds to an investment volume of EUR 160 billion. Thus a large part of all necessary projects in Germany could be ripped if it would used apartment economically. However, this does not. Finance for the average method of all contracts is around 25,000 euros and thus you can now even usually not even a one room apartment”. Customers with such contracts include 59 percent income group purchased for no real property due to their financial situation. Upon the completion of the use was mostly Housing premium is nothing dishonest in the foreground because”, explains Werner Ehrentraut as Managing Director of aventira GmbH in bad Tolz.
The legislature has responded and calls since the first of January 2009, that they must be run back if the contract economical apartment is used. They pay the acquisition or the construction of a real estate in question or the participation of a housing association. To facilitate the procedure, the Erfurt-based brs0725 has come up with Association for real estate owned EC (inhabitat EC) as one of our partners something special”, as Ebrahimi. The company can be saved and zuteilungsreife savings are transferred and offers a real alternative, achieved so far only credit interest rates by 1.5 to 2 percent on their capital savings on savers. After the transfer, home savings customers receive for the entire method of co-operative shares, providing an annual return of seven percent in the example of brs0725. For the still to saving share of the subscribed capital of the cooperative in the savings that would have been the proportion of loans the new Member receives the inhabitat EC now the full State funding. Corresponding promotion by the employer the former building society loan is paid therefore by employers and State and the new cooperative member gets a return of 7% on the total amount in addition”, explains the plant specialist Werner Ehrentraut.
For the owner of a savings and zuteilungsreifen funds equal to what extent so a good deal. But also for the agent or building society representatives, the Bill goes on. Because often was at the conclusion of the contract not to recognize that the personal life situation of building saver makes not possible the purchase of real estate. Here the inhabitat model provides an interesting alternative: because this sensible solution to the customer allows also the Advisor to receive a fee for the entire method. Many Building society representatives, who work together with us in fact once again achieve the same amount that the building society once confessed to them, just because they help their customers. To the complex of cooperative age interest we offer therefore special training courses, which are very well accepted”, said Ebrahim.
Tags: insurance & pension, money