• Buying in Berlin
    • Apartment building & investment
    • Villas & Townhouses
  • Sale of propertySelling a property
    • Selling real estate
    • Valuate property
    • Sale error < 1 million
    • Sale Error > 1 million
    • Speculation tax
    • Sell property
  • Selling an apartment
    • Selling an apartment
    • Rate apartment
    • Mistakes when selling an apartment
    • Sale from WEG
    • Experience selling apartments
    • Get rated
  • Villa for sale
    • Villa for sale
    • Rate villa (house)
    • Selling a villa: Mistake
    • Get rated
  • Sell MFH
    • Selling an apartment building
    • Valuate apartment building
    • MFH Sales & Taxes
    • Selling apartments individually
    • Share Deal
    • Asset Deal
    • Get rated
  • Special real estate
    • Sell hotel
    • Sell underground parking garage
    • Selling a parking garage
    • Selling a parking space
    • Sell business
    • Supermarket sale
    • Sell shopping center
  • Rating
    • Valuate property
    • Cities
      • Selling in Berlin
      • Selling in Hamburg
      • Selling in Munich
      • Selling in Cologne
      • Selling real estate Düsseldorf
      • Selling in Frankfurt
    • Evaluation procedure
    • Rate apartment
    • Rate house
    • Valuate apartment building
    • Determine market value
    • Get rated
  • Knowhow
    • Capital investment in Germany
    • Found a company
      • Found a company
      • Legal forms Germany
      • Immobilien GmbH / VV GmbH
      • GmbH simply explained
      • Real Estate Holding
      • Holding & nesting privilege
      • Establish a family foundation
      • Legal forms USA
      • Real estate taxes USA
      • Coachings
    • 10 golden rules
    • Family foundation
    • Inheritance & estate
  • Lukinski
    • News
    • About me
    • For sales staff
    • Broker
      • For Seller
      • Real estate agent Berlin
      • Broker Bonn
      • Broker Düsseldorf
      • Broker Frankfurt
      • Broker Hamburg
      • Broker Cologne
      • Real estate agent Munich
    • Advantages
    • For buyers
    • Apps
    • Mallorca & Ibiza
  • Purchase
  • Contact
  • Search
  • Menu Menu

Investment: types, accounts, advice

in Finances

Investment – An investment is made when there is an amount left over after all monthly expenses have been deducted. You can transfer a one-time amount into a cash investment, or you can opt for regular monthly payments. Banks and savings banks offer various forms of cash investment. These differ primarily in their availability. The aim is to earn interest on the money.

Key Facts -
Financial investments: savings account, call money and time deposit account
Pay attention to the availability of the investment
Investing money from the sale of real estate in a financial investment
Investment in shares and securities
Value development: consider risk in calculation
Fixed investments with classic interest rates
Per diem account: Advantages, disadvantages, interest
Real Estate Loan

Financial investments: savings account, call money and time deposit account

In addition to traditional savings accounts, you can also opt for securities as an investment. The interest rates are higher. The disadvantage, however, is that you cannot count on the money so well. You do not know in advance how the interest rates will develop, because they depend on the prices on the capital markets. In contrast, the classic investment of money in the form of a savings account, a call money or a fixed-term deposit account can be calculated exactly in advance. However, the interest rate can be significantly lower than if you invest in shares or securities.

Pay attention to the availability of the investment

If you have saved reserves for the purpose of construction financing, it is advisable to coordinate the investment of funds with your planning. This applies in particular to investments in securities and fixed-term deposits. The capital will not benefit you if it is not available on the due date. If you liquidate cash investments prematurely, you will often lose some of the interest or be charged fees.

Investing money from the sale of real estate in a financial investment

Similarly, you can transfer money you receive from a property sale into an investment. This is possible in the short or long term. Since most banks no longer pay interest on funds held in a current account, it is advisable to transfer funds that are not needed immediately from the current account to an investment. With the large amounts you get for selling a property, even low interest rates have a positive effect and you can make a positive profit. If you would like individual advice on financial investments to be used in connection with the sale or purchase of a property, we would be pleased to offer you our services.

Lukinski's

  • waehrungshandel-devisenhandel-waehrung-devisen-forex-lernen-bargeld-kasse-wirtschaft-nachrichten-einkauf-handel-verfolgen-risiko
    Call money - ideal for construction financing
  • waehrungshandel-devisenhandel-waehrung-devisen-forex-lernen-kurssteigerung-vermoegen-vermoegensaufbau-geld
    Fixed-term deposits - term, interest and planning

Investment in shares and securities

Shares and securities are considered a flexible and very profitable investment. You can buy individual shares, or you can decide to invest in a fund. In this case, different shares are grouped together. The fund is managed by experts. In principle, you can buy or sell shares at any time at the current daily price. However, always keep an eye on the development of the increase in value. Also take into account that the securities account is subject to charges at many credit institutions. Furthermore, the purchase price of a share is higher than the issue price.

Value development: consider risk in calculation

In contrast to a classic savings investment, the performance can go down as well as up. You should also take this into account in your calculation. Compared with other financial investments, you can achieve the highest returns by investing in shares and securities. However, this may take some time. Knowledge of the market is an advantage. If you want to save money for a construction loan, stocks and securities are only a good choice if you plan for the long term. Short-term gains are theoretically possible. However, unlike the classic fixed investment, they cannot be planned.

Fixed investments with classic interest rates

A fixed-term deposit has a specific term. The interest rate is also fixed, so you know in advance how much money you will have available at the end. This is an advantage for construction financing. The disadvantage is that interest rates are at a consistently low level. This is especially true for cash investments with a short term. Also take into account that you usually do not have access to the money during the fixed period. You can terminate a fixed-term deposit in the normal way. However, you must observe notice periods of up to a quarter of a year and you will lose part of your interest.

Per diem account: Advantages, disadvantages, interest

You should only deposit money in a call account if you need it at short notice or do not know exactly when the withdrawal is necessary. Overnight deposit accounts are often linked to the current account. Transferring the money and returning it to the checking account usually takes one banking day. The advantage is the immediate availability of the money. The disadvantage is the low interest rate.

Real Estate Loan

A construction loan differs from the classic consumer loan by the more favourable interest rates and the longer term. The property serves as collateral for the financing. The debt is entered in the land register. If the instalments cannot be serviced on time, the bank has the right to terminate the property loan and pursue foreclosure. In this case, it gets back its money or a large part of it. Thanks to this deposited collateral, the bank has the possibility to grant more favourable conditions for real estate financing than for a consumer loan granted without the deposit of collateral.

 

Lukinski's

  • waehrungshandel-devisenhandel-waehrung-devisen-forex-lernen-bargeld-kasse-wirtschaft-nachrichten-einkauf-handel-verfolgen-risiko
    Call money - ideal for construction financing
  • waehrungshandel-devisenhandel-waehrung-devisen-forex-lernen-kurssteigerung-vermoegen-vermoegensaufbau-geld
    Fixed-term deposits - term, interest and planning
  • reits-real-estate-investment-trusts-stocks-finances-company-llc-investing-shareholder-headquarters-bank
    Current account - cash withdrawal, cash deposit and fees
  • 8 rules for the rent deposit - what you should pay attention to
    8 rules for the rent deposit - what you should pay attention to
  • ferienhaus-kaufen-mieten-vermieten-tipps-immobilienmakler-landhaus-garten-grundstuck-ackerland-familie-mutter-kinder
    Is building savings worth it? - all the facts and the advantages and disadvantages
  • massivhaus-bauen-kaufen-verkaufen-merkmale-definition-kosten-finanzierung-grundstueck
    Construction financing: comparison, components, ancillary costs
  • vater-tochter-vorsorge-familie-eigentumswohnung-loft-atelier-einzug-umzug-lukinski-immobilienmakler
    Building savings contract useful? Definition, comparison and calculator
  • baufinanzierung-hausbau-hauskauf-vergleich-anbieter-zinsen-kosten-modernisierung-sanierung-mann-bauplan-helm-baustelle
    Building interest rate comparison: 8 expert tips for favorable interest rates for loans
  • waehrungshandel-devisenhandel-waehrung-devisen-forex-lernen-kreditkarte-app-bezahlung-payment-digital-testsieger-etoro
    Credit cards - credit limit and usage options
  • scheidung-haus-verkaufen-eigentumswohnung-ehe-trennung-sparschwein-ehering-bausparvertrag
    Building society contract to finance a property
  • Loans: Debt contract, Loan Interest & Advances
    Loans: Debt contract, Loan Interest & Advances
  • Finance Check: Saving with Budget Book, Discount or Debt Rescheduling
    Finance Check: Saving with Budget Book, Discount or Debt Rescheduling
Tags: Availability, Bedroom, Call money account, Coaching en ligne, Consulting, Garden furniture, Money Alley, Passbook, Quality, Risk, Securities, Shares
Share this entry
  • Share on Facebook
  • Share on X
  • Share on WhatsApp
  • Share on Pinterest
  • Share on LinkedIn
  • Share on Tumblr
  • Share on Vk
  • Share on Reddit
  • Share by Mail
https://lukinski.com/wp-content/uploads/2021/12/crowdinvestment-crowdinvesting-immobilien-taschenrechner-kaufpreis-rendite-investieren-ja-nein-wenig-eigenkapital-geld.jpg 800 1200 Laura /wp-content/uploads/2024/04/lukinski-logo-real-estate-investment-germany-house-villa-off-market-clean.svg Laura2020-08-16 11:05:322022-04-03 08:22:24Investment: types, accounts, advice
You might also like
House financing: requirements, costs, example + online calculator
The perfect interior: colours, floor coverings & decoration
Selling real estate privately – procedure & risks
Certificate of competence – You should check this
Credit Cards & Debit Credit Card Calculator: German Providers in Comparison – Free Check
Motor insurance – comprehensive cover and third party liability
Purchase additional costs calculator – Relaxed to the house possession
Moving in: Owning an inherited property

Kaufen

Kapitalanlage in der Hauptstadt? Unsere: Immobilien in Berlin

 

Blog

  • waehrungshandel-devisenhandel-waehrung-devisen-forex-lernen-bargeld-kasse-wirtschaft-nachrichten-einkauf-handel-verfolgen-risiko
    Call money - ideal for construction financing
  • waehrungshandel-devisenhandel-waehrung-devisen-forex-lernen-kurssteigerung-vermoegen-vermoegensaufbau-geld
    Fixed-term deposits - term, interest and planning
  • reits-real-estate-investment-trusts-stocks-finances-company-llc-investing-shareholder-headquarters-bank
    Current account - cash withdrawal, cash deposit and fees
  • 8 rules for the rent deposit - what you should pay attention to
    8 rules for the rent deposit - what you should pay attention to
  • ferienhaus-kaufen-mieten-vermieten-tipps-immobilienmakler-landhaus-garten-grundstuck-ackerland-familie-mutter-kinder
    Is building savings worth it? - all the facts and the advantages and disadvantages

Lukinski Villas

Townhouse | Villas Berlin

Villas Berlin

Off Market

  • Selling a property
  • Selling an apartment
  • Selling a house
  • Selling an apartment building
  • Sell property
  • Selling a parking garage

Service

  • Valuate property
  • Rate apartment
  • Rate house
  • Valuate apartment building
  • Valuate property
  • Get rated

Lukinski

E-Mail
office@lukinski.com

Office #1
+49 30 398 204 202

Office #2
+49 221 165 323 72

Whatsapp

© ℄ Lukinski | by CXMXO | Imprint | Contact
Scroll to top