Tuesday, June 16, 2009 - The change of the account from 2009 is simple
Who wants to change his bank has less work in the future
Until now, the change of bank account is not entirely unproblematic. From 2009, the change of account much easier.
Hitherto, with the change of bank account a lot of work. The standing orders had to be converted into new bank, insurance information, the debit will be adjusted and so on.
From 1 November 2009, the change of account much easier and, above all, be straightforward. From this date, every citizen, the bank wants to go through the new credit throughout the transition phase. This means that the new bank regulates everything necessary with the current bank and has contributed to ensuring that all recurrent payments in respect of the change smoothly and customers will soon be converted.
In addition, the new bank to the customer either to help change the account of third parties concerned, the new account information, or she takes over this task itself.
New principles for changing the bank account
The new bank is also obliged to inform the citizens to help his old account with the former bank to close and the balance to the new account.
The old bank allowed its existing customers for providing the necessary information is usually no charge. This will change the account for the customer is likely to be cost-free.
These principles are from 1 November 2009 in all EU Member States. The principles for changing the account are available on the Internet.
Principles for the Exchange account at a glance
In future, banks are obliged to its customers, the bank account you want to change, a guide to the hands, which they gradually shed about who does what within what time has to do.
New bank will first contact the customer
Citizens who wish to change their account, the new bank to make first contact, so that they then act as intermediaries between the customer and its former bank creditors or certain to occur.
This is the new from the old bank with all necessary information on recurring payments made and insisting that the old bank payments. The new bank the customer uses the payments then the new account again and inform others about the new account is either itself or help the customer. In addition the new bank to support the citizen in the old bank to close the account and transfer the balance to them.
The deadlines for a change in the account
The existing customers of the bank must, within seven business days after a message from the account of change - from the customer or the new bank - has gotten all the available information on its recurring payments transmitted. The payments will be through the new bank also within seven days on the new account again. Within a further seven days to inform the new bank account from which all interested parties, or change the client is to help this be informed.
The old bank, the required information to the customer - or the new bank - usually for free.
Principles of the account change will be monitored
The national banking associations to learn about compliance with the principles watch. The plan is also to monitor the participation of the national consumer associations or an independent body.
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Tuesday, June 16, 2009 - The money at BMW, Mercedes and VW
Banks moving car - high interest rates as the driving force for investors
Spite and precisely because of the crisis in the automobile industry to the finance subsidiaries of automobile manufacturers on high interest rates for day and time Cash Flow Template
Who would have thought that the very moment so strong ailing automotive industry the investor / s in Germany brings new joys - and the savings banks, cooperative banks and private financial Free Home Budget Software institutions threatens to overtake, at least in the range of fixed and money is concerned. In times when the assembly lines of major manufacturers forced breaks and suppliers like ThyssenKrupp Steel is already short and layoffs for several locations in Germany to announce or even entire works as Bilstein suspension in the Sauerland Werdohl close, announce the car of the three big banks, car manufacturers BMW, Mercedes and VW, the increase of the interest on the day and time for all investors - usually about 5%, mostly from the first euro investment.
Concerted action for savers Personal Budget Planning
What looks like a cartel in the sense of a common action in times of crisis looks, offers the currently rather less speculative values set savers another argument, their house compete with those offered in the spot market and one or two percentage point to elicit. For the financial subsidiaries of car manufacturers is the supply of day and time, however, a further capital injection, which they urgently need to turn to their clients, especially in times of declining and stagnant sales of new and used cars cheap leasing and financial bids to submit. Make a Personal Budget
Whether this new option to refinance the car before banks or layoffs throughout the financial world will maintain normal concentrations, remains to be seen. Whether such mergers, however, only to the detriment of customers, is in any case be excluded, as the "concentration" in relation to high day and fixed interest so clearly shows. In particular, monthly interest credits and guaranteed the entire comprehensive deposit interest rates, as well as tactically very astute decision contrary to other banks for overnight interest rates to increase, speak for the attractiveness of car banks offerings.
The Special Fund for financial stabilization (Soffin) Personal Budget Worksheet
With the disappearance of the refinancing by selling credits on the international financial market (asset-backed securities), the high demand for capital partially uncovered. Alone tempting day and time bids are not, therefore, raise the necessary capital. In this respect, the car banks - especially VW - decided to take money from the special fund for financial stabilization (Soffin) to take advantage of them. They do it not because they have the resources side, but rather by increased credit again favorable interbank loans to be included. The lowering of interest rates in the euro area continue to help in loans to come cheap and these to their customers in the form of cheaper financing of new and used cars pass. Ultimately good offers help not only their own sales, but also contribute to bad auto supplier industry, a little support, but it suffers most from stationary conveyor belts and closed factory gates. Free Budget Worksheets
Secure parking for good money
Not infrequently, investors are looking over deadlocked courses. But when it comes to money is well-funded, savers are rarely bad for long distances, accompanied by high interest rates and great flexibility. Flexible security deposit should not be. Most car banks are members of the Deposit Protection Fund of the Federal Association of German Banks e. V and thus guarantee a backup voluntary savings deposits over the state also demanded 20,000 euros. Personal Finance Budgeting Since this is however a potential for bankruptcy and insolvency of insurance is not legally binding, should be skeptical investors - perhaps also with regard to KAUPTHING and Lehman Brothers - no more than 20,000 euros to create in the Ernst case, no need to suffer losses. The Budeskanzlerin Merkel on behalf of the government issued government guarantee for the entire savings of the Germans - in full - include good 1.2 trillion euros and can be at least as a gesture of recovering lost confidence in the probity of the banks a little encouragement, even a little more money at them.
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