Federal Association

BVMW Chief Ohoven calls for tax and tax cut Berlin/Munich medium-sized companies go through a rollercoaster of emotions. In July, it was still high oil prices, which are all shocked and dampened the positive development of in recent years, the specter of the international financial crisis now holds the German economy on tenterhooks. Worldwide credit and financing systems are out of the joints, because banks no longer trust each other and lend to each other hardly. Instead, strong financial institutions are considered as possible not to belittle their liquidity. This has resulted in banks make very reluctant loose money. Meanwhile, lending is very restrictive and only against high collateral as well as expensive interest rates. It is therefore harder to come that they desperately need for new investment in projects as well as research and development of foreign capital for many companies with low equity capital and credit. Long ago, the Bank is no longer the usual lender \”previous times and need companies to look for other sources of money\”, the computer week reported.

The problem is not new however. Mario Ohoven, President of the Federal Association of medium-sized business (BVMW) had made a more rigorous lending policy of the money houses compared to the middle class at the end of last year and again denounced this fact in the spring. Already at that time he attested to a growing shortages and higher prices of corporate loans in the wake of the banking crisis according to polls in the middle class. To bypass the credit bottlenecks, contingency plans are essential. As a replacement for traditional bank loans, Ohoven renames for example shareholder loans, lease-back method, factoring, leasing, mezzanine, or the issue of participatory notes. The BVMW Chief appeared in the spring almost as the lone caller in the desert, while other institutions more small talked the danger of banking and credit crisis, reality caught up now all and suggests the scarcity of foreign capital with full effect on German By company.

Prepaid Credit Card Without Schufa

Prepaid credit cards are becoming popular – right? In the market for credit card providers with so-called prepaid romp about credit cards as card with recharge increasingly. The credit card comparison portal cardscout explains the most important facts about this new form of credit card. When interactive compared by cardscout you can compare over 80 credit cards according to individual criteria and order it online. How do prepaid credit cards work? “The cards work just like the popular prepaid phones: before the card can be used to recharge a credit balance on the account” are. You can spend just as much money as it has previously paid. “The individual amounts are not, as with a normal” usual, charged credit card once per month, and will charge the account promptly. A prepaid credit card can not be covered and offers additional security against abuse and falling into the debt trap.

For whom is a prepaid credit card? Prepaid credit cards are mainly for young people useful. Because they are issued as a result of the prepaid principle without Schufa query and credit check, they are also unemployed or insolvent persons or self-employed persons who do not have access to a traditional credit card, available. This service can pay the card company but good: up to 119 euro cost the cards per year. Where can I use a prepaid credit card? It is hardly a distinction from a normal”credit card. However, prepaid credit cards have no punching pressure of the card number. Therefore they can not used in shops, where the map data are mechanically punched on the proof of payment.

This Ritschratsch “devices are used, but less and less so that the prepaid credit card virtually anywhere and as any other card, can be used also to online shopping in the car rental or hotel reservation.” How do I get a prepaid credit card? A classic credit card requires a minimum age of 18 years and an excellent credit rating. Who this not present can or a Schufa query would like to go to, is well advised with a prepaid credit card. But there are now a wide range and details that should be noted: the balances will be paid interest? What is the annual fee? Is it possible to have a custom design? There is an up-charge limit or incurred additional costs for recharging? Which prepaid credit cards are recommended? A detailed overview of the most important providers offers cardscout at the address the credit card comparison portal: Schufa. The cheapest option by far is the prepaid MasterCard of the KarstadtQuelle Bank for only 19.90 euros annual fee. No Schufa query is made and you can even determine the design of the cards. There are reasons against prepaid credit cards? Against prepaid credit cards are also according to the Consumer Council Saxony, mainly for reasons of borrowing lack of, not to raise objections. The cost limit is in addition the card fraud prevented by and the owners has full control of costs. Card Scout (www.cardscout.de) is an independent information portal to credit cards, which is operated in cooperation by mobidata GmbH and TOMORROW FOCUS AG. Contact person: Werner Muller of mobidata GmbH Consul-Smidt-str. 8f 28217 Bremen E-mail: phone: + 49 421 83583-13