free choice | Lukinski https://lukinski.com Sun, 03 Apr 2022 12:26:22 +0000 en-US hourly 1 https://wordpress.org/?v=6.8.5 Chimney sweep – fire protection, duty & free choice https://lukinski.com/chimney-sweep-fire-protection-duty-free-choice/ Fri, 03 Jan 2020 12:00:42 +0000 https://lukinski.de/chimney-sweep-fire-protection-duty-free-choice/ Chimney sweep – The chimney sweep is responsible not only for the control of fire protection and function of heating and combustion systems, but also for the monitoring of emission control and energy saving. How to save energy: energy efficiency. The regulations concerning the tasks are laid down in the Chimney Sweep Act. Chimney sweeps often join together to form a guild for the purpose of representing their interests. There is a chimney sweep obligation, due to which it is obligatory for fireplaces used all year round to be swept 4 times and for heating facilities used in the usual heating period, the obligation is to be swept once. However, since 2013 you have the freedom to choose which chimney sweep you want and can of course change again at any time.

Chimney sweep overview

  • Controlled fire protection
  • Controls heating and combustion systems
  • Regulation recorded by the Chimney Sweep Act
  • Merger into guild
  • Chimney maintenance obligation: 4 times for all-year-round heating & 3 times for usual heating
  • Since 2013 free choice of chimney sweep

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]]> Mortgage Bank, Pfandbriefe & Real Estate Loans https://lukinski.com/mortgage-bank-pfandbriefe-real-estate-loans/ Fri, 20 Dec 2019 12:00:37 +0000 https://lukinski.de/mortgage-bank-pfandbriefe-real-estate-loans/ Hypothekenbank is an obsolete name for a Pfandbrief bank since 2005. In purely legal terms, mortgage banks are Pfandbrief banks, but some mortgage banks were allowed to keep their name. Pfandbrief banks are credit institutions whose banking business is to acquire mortgages, pool these mortgage Pfandbriefe and place them on the capital market. They are licensed to trade in Pfandbriefe by the Pfandbrief Banks Act. The money received through the sale of the interest-bearing and covered bonds in the form of Pfandbriefe is lent by the Pfandbrief banks in the form of real estate loans, loans to states, federal states and municipalities as well as for ship and aircraft financing. More on Lukinski real estate. Compared to other financial investments, Pfandbriefe are safe. In the event of insolvency, the Pfandbrief holders’ claims take precedence over those of all other creditors, but of course the chances of winning are not high if the security is high. In Germany, almost every bank now offers services in the field of Pfandbriefe and mortgage bonds.

Mortgage Bank at a glance

  • Hypothekenbank – obsolete name for Pfandbriefbank
  • Pfandbrief – secured and interest-bearing promissory note
  • Business: purchase, aggregation and sale of mortgages and granting of loans
  • Many German banks offer services in the area

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