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Things to Know About Financing

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Hier finden Sie nützliche Informationen zu Themen wie: Ist ein fixer oder variabler Zinssatz besser? Was ist der EURIBOR? Wie kann ich die Risiken für meine Finanzierung minimieren? Was ist der Unterschied zwischen einem nominalen und einem effektiven Zinssatz?

Fixed or Variable Interest Rate

What is the better option?

There is no easy answer to this question since both options have their pro and cons. It depends on your individual situation and preferences whether a fixed or a variable interest rate is the right choice for you. In this article we will explain the most important differences and tell you what you should pay attention to.

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The EURIBOR: Interest Rate Benchmark

What is the EURIBOR?

EURIBOR stands for “Euro Interbank Offered Rate”. It shows the average of the interest rates set by selected European banks for a certain period of time to make unsecured loans (in euro) to each other. In other words: The EURIBOR is a price determined by the market and based on the base rate.

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Minimising Risks

No Risk No Fun?

Sometimes taking risks can be a good idea. When it comes to financing, however, it is better to play it safe. Of course, unexpected events can come up in this area.

The good news is: You can insure yourself against most of these risks, and good solutions can be found even for the uninsurable ones.

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Nominal (Simple) or Effective Interest Rate

What’s the Difference?

Nominal interest, also called simple interest, is based on the outstanding loan. In other words: Nominal interest is the interest lenders will charge for the borrowed money. Most of the time, it will be debited from your account quarterly. The lower the outstanding loan amount, the lower the interest, which is thus charged on a pro rate basis.

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