Finances

Water in the basement - when does the insurance pay?

Water in the basement - when does the insurance pay?

Not every water damage in the basement is covered by the building insurance. The first important question is whether it is tap water, groundwater or rainwater. What has to be considered, with water in the basement, is here. Tap water - a case for building insurance If a pipe in the basement has become leaky or broken in the basement, this damage is borne by the building insurance.

Budget budget solid plan: the monthly costs for the house

Budget budget solid plan: the monthly costs for the house

homeowners get along without rent, but have to pay some additional costs for their own home. To better plan your monthly budget, it is important to know the exact cost in advance. Important: Plan additional costs for the house early! Without thorough prior information, new homeowners can experience a nasty surprise: The monthly home expenses of the home quickly add up to relatively large amounts that diminish the household budget.

Good to know! These are the ancillary costs for the home

Good to know! These are the ancillary costs for the home

The additional costs for the home are not only in the monthly removal rates for the loan. Keep in mind all the costs in advance so that you do not get into financial trouble! We give you an overview. Decree of the municipality As a homeowner, you will receive a tax bill from your local authority with several costs.

General Electricity - what is allowed in the additional costs?

General Electricity - what is allowed in the additional costs?

The general electricity may of course be distributed pro rata to the tenants. However, it is precisely this form of cost that often causes quarrels between tenants and landlords. Clause 2 (11) of the Operating Cost Ordinance regulates the correct billing of the general electricity. Lighting for generally accessible rooms Mainly the general electricity is the consumption needed for lighting in public areas.

Transfer key - so the incidental costs are distributed

Transfer key - so the incidental costs are distributed

The allocation key, or rather distribution key, ensures a fair distribution of incidental costs to the individual tenants in an apartment building. Like so much in tenancy law, the distribution key has been precisely regulated by the legislature. How is the allocation key determined? In the rental agreement, it is usually the case that the allocation costs are to be allocated to the individual tenants in order to achieve a fair result.

What additional costs can landlords move?

What additional costs can landlords move?

The owners may transfer some items in the service charge bill to the tenants. But not everything that is transferred, belongs to the utility bill. Whether the items on the utility bill actually all have to be paid, is here. What belongs to the billing Not all items that appear on the billing tenants are actually included.

Ancillary costs - they can be so high

Ancillary costs - they can be so high

When looking at the annual billing of ancillary costs, many tenants now have serious doubts as to whether their amount can still be in order. Therefore, we show here once the average additional costs for a conventional apartment. Average additional costs in Germany Between about 2.15 Euro and 3.00 Euro per square meter of living space, the German average costs additional heating, hot water and other operating costs for the apartment.

Finally a condominium! What are the additional costs?

Finally a condominium! What are the additional costs?

No longer living for rent, but living in your own home: If you fulfill this dream, you should also pay attention to the ancillary costs for home ownership. While landlords have to settle strictly according to the Operating Costs Ordinance, owners face additional financial burdens. Additional costs for credit, administration and repair First of all, of course, the loan repayment including the monthly accrued interest should be mentioned, if you have not bought your apartment completely from own funds.

Rented apartment: Where are the additional costs for 2 persons?

Rented apartment: Where are the additional costs for 2 persons?

The rental costs are higher than ever, above all the energy prices and the municipal fees rise. Which price factors should you consider? And what are the current additional costs for 2 people? Statistical values ​​for orientation In order to obtain meaningful comparative values, one calculates the ancillary costs of a rented apartment per square meter.

Household insurance: What is insured?

Household insurance: What is insured?

When it comes to private wealth accumulation, it is extremely important to think about how to secure your existing assets. Saving without protection is like building a house without a foundation. If even the smallest loss events can jeopardize the assets saved and worked up to date, sufficient protection should first be provided here - only then can one initiate asset accumulation with savings contracts.