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Aktuelles von Sabine Krauß

29. November 2022
News-Ticker

News from the KfW on 28.11.22: - New...

News from the KfW on 28.11.22:
- New building funding in the total amount of EUR 1bn will probably start as 1st of March 2023, not under the economy but under the construction minister. Focus will be a very high energy efficient level, only standard KfW 40 (meaning energy usage is 40% of a as standard defined house) will be promoted.
- No promotion of the purchase of existing objects
- Focus will be on renovations, staying with the economy minister, with a total amount of EUR 13 bn (!).
- 650 million for others (building companies, cooperatives and better earners)
- Little promotion of EUR 350mn is planned as of June 2023 for “emerging households”, families with 1 kid and below EUR 60.000 gross.

A few statistics:
- Per year 390.000 objects are bought, 197.000 by families with kids
- The ownership quote has not risen by years and is currently at 46,3%
- “New” objects, mainly purchased, are existing properties based on the price – 56%, 23% out of heritage, 21% new buildings
- Preference is a stand alone house - from 2018-21 45%, 19% double houses, 17% appartments and 13% row houses

The new support policy of home ownership has to be evaluated under the circumstances of:
- Corona and Ukraine war, resulting in different frame conditions of higher energy costs, higher interest and high inflation
- limits out of climate protection and available land

Beitrag lesen

5. Oktober 2022
News-Ticker

KFW News -starting 22.09.22 For...

KFW News -starting 22.09.22

For renovation you get an extra 5% amortization surplus on your loan along with the KfW program 261 - meaning you do not have to repay another 5% of your KfW loan, if you have a worst performance building.
Your building will be evaluated and ranked into a worst performance builing by the energy consultant.

Beitrag lesen

9. September 2022
Finance ABC 22th sequence - interview over capital investment versus own used object

Would you like to rent out an appartment and live for rent by yourself or would you like to live in your own appartment. Fabienne finds Finance made an interview over this topic. Just listen into it. Should you have any further questions, please feel free to contact me.

Podcast von Sabine Krauß anhören:

9. September 2022
News-Ticker

After the interest EZB increase...

After the interest EZB increase is before the increase…..

That was written today in a Spiegel article. However, also the EZB stated we have underestimated the inflation. Statements from economy, econmists out of banks and other professionals are:

- Further increases are necessary against the current and –potentially- further increasing inflation

This is not good
- ⚠️ for the economy, especially in times where banks are reluctant with the extension of credits and economy is running into a recessionThis
- ⚠️for the state, which also have to pay for the debts higher interest (or doesn’t it matter since they are over indebted?)
- ⚠️for real estate investors
- ⚠️for people who want to realize their dream house.

✅ However, fact is, if you are planning a real estate project, which is affordable for you, go ahead.

Beitrag lesen

8. September 2022
News-Ticker

EZB increase interest by 0,75%...

EZB increase interest by 0,75% to 1,25%.

What does this mean for the real estate financing? I was asked this a lot today. I am honest: I do not know. During the last day, we have already seen some increases in the market including the increase in KfW Wohneigentum. So, it might be that the interests keep on going with increases. We have a very unpredictable time.

Beitrag lesen

29. November 2022

News from the KfW on 28.11.22: - New...

News from the KfW on 28.11.22:
- New building funding in the total amount of EUR 1bn will probably start as 1st of March 2023, not under the economy but under the construction minister. Focus will be a very high energy efficient level, only standard KfW 40 (meaning energy usage is 40% of a as standard defined house) will be promoted.
- No promotion of the purchase of existing objects
- Focus will be on renovations, staying with the economy minister, with a total amount of EUR 13 bn (!).
- 650 million for others (building companies, cooperatives and better earners)
- Little promotion of EUR 350mn is planned as of June 2023 for “emerging households”, families with 1 kid and below EUR 60.000 gross.

A few statistics:
- Per year 390.000 objects are bought, 197.000 by families with kids
- The ownership quote has not risen by years and is currently at 46,3%
- “New” objects, mainly purchased, are existing properties based on the price – 56%, 23% out of heritage, 21% new buildings
- Preference is a stand alone house - from 2018-21 45%, 19% double houses, 17% appartments and 13% row houses

The new support policy of home ownership has to be evaluated under the circumstances of:
- Corona and Ukraine war, resulting in different frame conditions of higher energy costs, higher interest and high inflation
- limits out of climate protection and available land

Beitrag lesen

5. Oktober 2022

KFW News -starting 22.09.22 For...

KFW News -starting 22.09.22

For renovation you get an extra 5% amortization surplus on your loan along with the KfW program 261 - meaning you do not have to repay another 5% of your KfW loan, if you have a worst performance building.
Your building will be evaluated and ranked into a worst performance builing by the energy consultant.

Beitrag lesen

9. September 2022

After the interest EZB increase...

After the interest EZB increase is before the increase…..

That was written today in a Spiegel article. However, also the EZB stated we have underestimated the inflation. Statements from economy, econmists out of banks and other professionals are:

- Further increases are necessary against the current and –potentially- further increasing inflation

This is not good
- ⚠️ for the economy, especially in times where banks are reluctant with the extension of credits and economy is running into a recessionThis
- ⚠️for the state, which also have to pay for the debts higher interest (or doesn’t it matter since they are over indebted?)
- ⚠️for real estate investors
- ⚠️for people who want to realize their dream house.

✅ However, fact is, if you are planning a real estate project, which is affordable for you, go ahead.

Beitrag lesen

10. April 2022
Baufinanzierung Overheating of the real estate market (purchase and interests)

Are the prices and the interest too high on the real estate market?

Definitely not, as long
- requests highter than offers.
However, you have to consider the individual location. The main thing is location, location, location.
Please listen to the audio.

Jetzt die Audio-Antwort von Sabine Krauß anhören:

Landing page for an English real estate financing

Antwort lesen

14. Februar 2022
Baufinanzierung
Bild des Angebots Budgetplanung -kostenfrei-/Budget planing - without fee

Budgetplanung -kostenfrei-/Budget planing - without fee

"Wieviel Haus kann ich mir leisten?" - "How much house can I afford?"-

In Kürze erarbeiten wir in einem Videocall oder per Telefon Ihren Budgetrahmen, d.h. in welcher Größenordnung können Sie und wollen Sie nach einer Immobilie sehen. Shortly we work on a budget planning...

Zu den Angebotsdetails
14. Februar 2022
Baufinanzierung/Real Estate Financing
Bild des Angebots Gerne in der jetzigen Zeit komplette Abwicklung über digitale Medien inklusiv Videochat/Completely digital incl. Videochat

Gerne in der jetzigen Zeit komplette Abwicklung über digitale Medien inklusiv Videochat/Completely digital incl. Videochat

Wir können vom Erstgespräch bis zur Abschluß alles über Telefon, email und Vidochat abwickeln, die meisten Banken/Versicherungspartner sind dementsprechend ebenfalls darauf eingerichtet! Testen Sie es!

Zu den Angebotsdetails
14. Februar 2022
Free First Qualification Call
Bild des Angebots How to start a real estate investment as foreigner

How to start a real estate investment as foreigner

An example: You lived here for a while, you have decided to replace your monthly rent through a rate for a real estate financing or to add a capital investment to your asset portfolio. How do you start...

Zu den Angebotsdetails
14. Februar 2022
Finanzierungskonzept /Financial concept
Bild des Angebots "Wie sieht ein perfektes Finanzierungskonzept aus?"/"How does es perfect financial concept looks like?"

"Wie sieht ein perfektes Finanzierungskonzept aus?"/"How does es perfect financial concept looks like?"

Der Getzgeber verlangt: Sie geben vor, wie die Finanzierung aussieht! Doch dafür müssen Sie Basiswissen haben! Hierzu setzen wir uns in Ruhe zusammen und erarbeiten ein massgeschneidertes, individuelles,...

Zu den Angebotsdetails
9. September 2022
Finance ABC 22th sequence - interview over capital investment versus own used object

Would you like to rent out an appartment and live for rent by yourself or would you like to live in your own appartment. Fabienne finds Finance made an interview over this topic. Just listen into it. Should you have any further questions, please feel free to contact me.

Podcast von Sabine Krauß anhören:

10. Juni 2022
Finance ABC 21th sequence - impact of increasing interest on the the total tenor

Doesn't it sound funny: The interests have been increased and the total tenor becomes shorter? I tried to explain this in today's podcast. Just listen to it. For further questions, please contact me.

Podcast von Sabine Krauß anhören:

30. Mai 2022
Finance ABC 20th sequence - impact of increasing interest on the financing

It is amazing, also for me. How can it be that projects are manageable for months ago and not anymore? Please look into the podcast a couple of arguments about the impact of increasing interest. If you have further questions or would like to discuss your situation, just contact me or look on my landing page: https://sabinekrauss.com/start

Podcast von Sabine Krauß anhören:

18. Mai 2022
Finance ABC 19th sequence - capital investment versus own used object

This question is coming up very often before the first real estate object with the benefit of using tax advantages of the rental process. It also comes up in very expensive areas like Munich, where an own used appartment is not affordable, so people take in consideration buying a capital investment with a smaller size and/or at a different location. What is also very important based on the increased interests: Is the capital investment still convincing regarding the rentability? There is definetely not a yes or no, you have to collect a list of all pros and cons for both sides. You are interested to discuss in more detail? Just contact me.

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11. Mai 2022
Finance ABC 18th sequence - new building versus existing object

One of the topic which is always discusses. For both exist pros and cons - regarding price, availibility, financiability, creativity and so on. Just listen to this podcast and get in touch with me for furhter questions and deeper insight.

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24. April 2022
Finance ABC 17th sequence - rent versus own object

This is a question, which nearly aways come up in our first conversation. Now, based on the increasing interests, even more. Please listen to my podcat and make for yourself a list of plus and minus. If you have additional questions just contact me directly or go onto my landing page https://sabinekrauss.com/start

Podcast von Sabine Krauß anhören:

19. April 2022
Finance ABC 16th sequence over the area as part of the pricing

One of the main point for the choice of a real estate object are the 4 "Ls" - Location, Location, Location. This also triggers the eveluation of the bank. Do you have a better eveluation, you might get a better pricing, or even better - it is doable or not doable. This is also very important for the 3rd part usebility - and for a capital investment - for the chances of a 3rd part re-sale after 10 years for example. You are curious? Just listen to the podcast, or for further question, get in touch with me.

Podcast von Sabine Krauß anhören:

10. April 2022
Does the current situation impact YOUR real estate dream

In nearly every conversation this question is discussed. Consequently, I would like to summarize in today's podcasts a few comments, pros and cons. However, nobody has the glass bowl and can preview development on prices, interests etc., these are only estimations. If you want to discuss your personal situation, please feel free to contact me, you can also go on my landingpage and book a call: https://sabinekrauss.com/start Keep on going and move forward to your real estate dream for you and your family!

Podcast von Sabine Krauß anhören:

4. April 2022
Finance ABC 15th sequence over the modernization as part of the pricing

A lot of customers ask here: Why? First, every bank is different. One part of the credit decision is the eveluation of the real estate. In the case of an older one, might be it is not financiable without modernization - since this enables the bank for better evaluation. On the other hand, the modernization costs a lot, which has to be financed on top. One bank evealuate a modernization with 100%, another once with 20%. Secondly, who is handling the modernization? Are you able to handle things by yourself, it costs only the material, might be you can bring your "Muskelhypothek" - usual a bank does not accept it, if you are a tax-lawyer in your real life. Or you have friends who help you - a quite difficult topic, since bank will not finance undeclared work. Third, a lot of banks do not finance too high modernization - in relation to the purchase price. You have additional questions, just contact me.

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29. März 2022
Finance ABC 14th sequence over the additional costs as part of the pricing

The additional costs depend on the area you live (tax between 3,5-6,5%), how complex the land registration book/real estate object is (notary/land registration cost, normally around 1,75%), new or used object/object with or without real estate object. The amount of the total costs result in the "value" of your equity: You do not cover it, you cover it, you cover it with a surplus - this results in the loan value (=Beleigungswert), meaning which percentage of the total value will be financed with credit, triggering mainly your condition. Any additional questions? Just contact me.

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21. März 2022
Finance ABC 13th sequence over the amortization as par of the monthly rate

In today's podcast there is an overview about the amortization. Everybody is only talking: "What is your best interest?" How different bank are handling the amoritzation different. Is it better to pay higher amortization or working with Extra-payments. Just listen into it and contac me with additional questions.

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6. März 2022
Finance ABC 12th sequence over the interest as price for the money

People are approaching me very often, what is the interest you can offer. Before we talk about the offer, let me explain the different components and kind of interests. If you have further questions, please contact me.

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28. Februar 2022
How to start as a foreigner the project "real estate financing"

A lot of my customers are foreigners, living for 3-4 years in Germany and want to buy their first real estate. This also has to be financed. The first steps are shown in my interview with me from Fabienne find finance. Just listen to it.

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21. Februar 2022
Finance ABC 11th sequence: the Quality of the documents requested by the bank

As an agent I am standing between the bank and the costumer - I think with an advantage for both. I am able to explain the customer a lot of features in more details, warn customers about some things and help the banker to bring a lot of request in more details to the customer. On the other hand, I have always to fight on both sides. Not that I am going to be in line with everything what the bank requests, however, we need it for the approval. So, very often I try to do compromises and fight for my customer - however, it is not seldom, that I go back to the customer a 2nd time, to request the details and extend the process. So, it is easier, to deliver complete documents in good quality in the first step, it is a win-win to all, quick approval on one side, happy customer on the other side.

Podcast von Sabine Krauß anhören:

14. Februar 2022
Finance ABC 10th sequence: Personal liability under the Grundschuld

After you signed the purchase agreement at the notary, you also sign the Grundschuld - the security for the bank. This also contains your personal liability, which sounds a little bit tough, however, you only owe the outstanding debt in total, this means also over your total personal assets. However, the bank would not like to sell your pictures on the wall, but they will pledge your salary and an asset account - but only if you do not pay your monthly salary. But don't worry, you will receive reminders before. For further questions, just contact me.

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7. Februar 2022
Finance ABC 9th sequence over the interest in the Grundschuld

It always happens that customers are not well informed and are totally surprised at the notary, that in the Grundschuld an interest of 14 or 15% is mentioned. Listen into the podcast to find out about the background of the high interest, which is not the interest of your loan????

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31. Januar 2022
Finance ABC 8th sequence over the value behind the Grundschuld and the process of putting the Grundschuld in place

A Grundschuld of 300.000 does not mean that the value of the object is 300.000! How is the value of the Grundschuld linked to the value of the object? How does the Grundschuld comes into the land register? Any questions open? Please contact me.

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24. Januar 2022
Finance ABC 7th sequence over a Grundschuld - land charge

The security of the bank: Grundschuld, this week and the next 3 weeks will cover the topic Grundschuld. You, as customer, should understand what this is - you comitt yourself regardings your object and personal!

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17. Januar 2022
Finance ABC 6th sequence over a fordward loan

Listen, this is important if your loan will expire soon and you will have an amount to be lock in, again. Then it might makes sense to lock in a binding interest today. The contracts starts to today, however, the new interest will start with the date the old contract will expire on. This is on one hand a calulation, on the other hand a personal expectation of the future interest development. If you have any questions on this, feel free to contact me.

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10. Januar 2022
Finance ABC 5th sequence over the different partners in the real estate market

In today's podcast I give you an overview about the real estate financing market. I also give the recommendation going to an independent partner providing you an overview about the whole market, making the research for you and - if honest - trying to give you the best financing available for you in the market. Any questions - just contact me.

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3. Januar 2022
Finance ABC 4rth sequence: Regular and extraordinary repayments

This podcast is about the amortization: Normally banks require a minimum repayments of 2-2,5%, there is also a bank, which accepts 1% and there are some requesting 3%. However, a 2-2,5% is reasonable, for some customers with for example high bonus, it also makes sense to have a lower amortization, and shortens the tenor to a reasonable tenor by extraordinary repayments.

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20. Dezember 2021
Finance ABC 3rd sequence: Fixed rate versus total running time

This is one of the most discussions and explanations, I have with customers. Here we have to differentiate very strict: if the total running time is nearly 40 years, the lock-in period only 10, the customer takes a pretty high risk on his book. This can be ok, depending on the salary, alternative saving volume, bonus per year etc. At the end the customer can have this combination and accept the risk, if the risk is affordable for him, meaning the risk should only lead with a higher rate in a renewal case to a longer tenor, not to the sale of the object. Let's talk about this!

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6. Dezember 2021
Does Corona impact my dream for a real estate?

This topic nearly comes up in every conversation: I would like to give you the different aspects of Corona which could be impact the realization of your real estate dream. You will discuss this further more along with your real estate investment? Just get in touch with me.

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24. November 2021
Finance ABC 2nd sequence: Different kind of loans

Last week I talked about a mortgage in principal, this week I would like to go further in detail in different kind of loans, so annuity loan, repayment loan (with a repayment substitute like Bausparvertrag or life insurance) and variety loan.

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15. November 2021
Finance ABC 1st sequence about Mortgage

Today is the first sequence of my Finance ABC about the characterics of a mortgage. Any questions left, please contact me.

Podcast von Sabine Krauß anhören:

8. November 2021
Announcement of my Finance ABC

This week is only an announcement of my Finance ABC, which will start next week. In the following weeks I would like to look over the basis descriptions of descriptions and processes around the real estate financing in Germany. If there are any open questions, please contact me.

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25. Oktober 2021
Help through a sparingpartner based on completely open communication

Help is only possible if the partner has the same information, regarding good and bad news - at the end it will come out. Our cooperation should be based on truth and fairness. A financial planing is long-term, so in the end it ONLY works if we both work in the same direction based on the same knowledge. At the end we build on your future. Looking forward hearing from you.

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20. Oktober 2021
What is the real estate financing interest in 2021

One of the most questions, I am asked. A pretty easy question, a very complicated answer, because a lot of "It depends on....". An finally it fluctuates. Even if we had a slow market for a long time, now it seems to start moving.

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12. Oktober 2021
Can I afford a real estate object with my net income

This is the question is most often asked at the beginning of every consulting. The question is not the "can" , it is more "how much do I want to afford" without having to much burden for the future. A budget planing with six numbers is done quick, however, the content behind is much more important.

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4. Oktober 2021
What is the best bank for real estate financing

A difficult question, because there is more behind than only 9 words: Tenor, login-period, personal creditworthiness, kind of object, building year of the object and your personal requirements regarding a real estate financing.

Podcast von Sabine Krauß anhören:

28. September 2021
Erbbaurecht - leasehold

This is - especially for foreigners - always a secret, which is very often not sufficient explained by the agent. The potential buyer always thinks that he buys cheap! Let me explain a little bit.

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21. September 2021
The advantages of a consultant in the real estate process

There are plenty of advantages like know how transfer, intermediary, independency, market research, best conditions, flexibility - just hear into it.

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14. September 2021
Riester along with a real estate financing

A little background for a Riester along with a real estate - and the advice, do not sign anything without having understood it completely.

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2. September 2021
Bausparvertrag along with a real estate financing

There are situations where a Bausparvertrag might make sense - for a very long interest security, sometimes for better eveluation at some banks or for a better worst case cost calculation at a bank. However, it is not always recomendable and the most important thing: You have to understand what you are signing!

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22. August 2021
Is a Bausparvertrag or Riester a benefit for a real estate financing

I always see that international customers sign up for Bausparvertrag or Rister shortly before they buy a real estate with the argument the financing is then easier. Please, try to understand what your are signing! I try to give you a brief overview.

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15. August 2021
Bereitstellungszinsen - Comittment Fee

The comittment Fee is always a difficult topic to understand. Most people are not concerned. Please find in the podcast an explanation of the comittment fee.

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9. August 2021
The parallel running credit and notary process

How does it work with the credit process? How does it work with the notary process?

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3. August 2021
The pressure in the buying process

Yes, the market is currently a seller and not a buyer market. Yes, you should be good prepared, you should be motivated, full of passion, quick. And - don't let other people make to much pressure on yourself. It might take some time til you find your real estate, but don't buy every real estate to every price.

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19. Juli 2021
Potential risks which come along with a real estate financing

This is an overview over the main risk. You do not have to cover everything 100%, however, you should be aware of the existing risks and you decide how far you would like to cover them. The main point is definetely paying back your loan.

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13. Juli 2021
The Role of the evaluation in the credit approval process

One of the main thing in the credit approval process is the bank evaluation of your future real estate. Especially in times of increasing prices this becomes - next to your own creditworthiness- very important.

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27. Juni 2021
Live holding costs in the credit approval

Every bank calculates different, this is the main point in the credit approval process on the personal side. The object side will come next week.

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21. Juni 2021
Should I go to the notary before bank approval

Even if the financing is relatively safe, I can promise, a bank may often see it different. There are a few examples for non-approval in the podcast.

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14. Juni 2021
Different kinds of real estate financings

An overview through the jungle, how to finance best in which situation and what kind of financings to exist in the real estate world.

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7. Juni 2021
The logic behind financing

The logic is based on your personal needs, being described by the magic triangle of the asset management with the 3 edges rentability, flexibility and security and is also valid for the real estate financing side. Furthermore the different objects for a real estate financing are highlighted.

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23. Mai 2021
Additional cost in the real estate financing

Overview over the additional costs in a real estate financing (real estate agent fee, notary costs, taxes)

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17. Mai 2021
The three most important aspects of a real estate

Sorry, I do not explain it here, you have to listen to the podcast, however, it is really important. Enjoy the podcast.

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17. Mai 2021
Actual situation: Increasing interest and costs of building material

Currently, we see increasing interests and also increasing cost for building materials (like wood, insulation material, steel...). What should you do now?

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17. Mai 2021
Different steps in the sucessful consulting process

The target would not be only doing a quick real estate financing, however to be your partner in the whole process, which might be very different, denpending on your personal situation (salary, equity, single vs. familiy etc) and real estate (appartment or house, new or used)

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26. April 2021
The preconditions for a successful real estate financing

Before starting with a real estate search/financing there are a few preconditions which should be fulfilled. Please let me tell you about.

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19. April 2021
Budgeting process

This is the most important step at the beginning, so that you know, what kind of object you start looking at.

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8. April 2021
Baufinanzierung for foreigners in English

The main steps from the first decision til the moving into the dream object. The single steps will be described deeper in the upcoming podcasts.

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272 geprüfte Bewertungen
über Sabine Krauß

Sabine Krauß FIBA Immohyp GmbH, Mannheim

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WhoFinance Qualitätsprüfung

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C. R. schrieb am 14.11.2022 (neueste Bewertung)

„Immobilienverkauf-Neukauf”

Profil von Sabine Krauß

Ihre Finanzierung - mein Anspruch: Was ich mache, mache ich aus Leidenschaft, so die Themen Familie und Sport wie Tennis und Skifahren, und auch Finanzberatung, d.h. für meine Kunden den besten Anbieter im Bereich Baufinanzierung aus 400 Anbietern herauszufinden - das Ganze kostenlos für Sie! Themen wie beste Konditionen, massgeschneidertes Konzept, Zuverlässigkeit, Fairniss und Transparenz liegen mir hier am Herzen. Auch das Thema Absicherung  ist wichtig - aber am Ende immer basierend auf Ihren Wünschen! Testen Sie mich zu Ihrem Vorteil!

Beratungsansatz

Optimale Finanzberatung - ganz persönlich

Finanzplanung ist für die meisten Menschen Vertrauenssache. Als selbstständige Finanzberaterin in Mannheim nehme ich mir Zeit für Ihre Beratung. Ich bringe meine Kompetenzen in Sachen Geldanlage, Vorsorge, Versicherung oder Finanzierung im Sinne Ihrer Bedürfnisse und Wünsche ein. Darüber hinaus stehe ich Ihnen vor allem bei der Immobilienfinanzierung gerne zur Seite. Telefonisch oder per E-Mail bin ich jederzeit für Sie zu erreichen, um einen ersten Termin zu vereinbaren. Gerne rufe ich Sie zurück und besuche Sie nach Vereinbarung auch zu Hause. Ich freue mich, mit Ihnen ins Gespräch zu kommen!

 

Sabine Krauß ist...

  • Finanzberater
  • Bankberater
  • Versicherungsvertreter
  • Finanzierungsvermittler
  • Finanzanlagenvermittler
  • Anlageberater
  • Unabhängige Berater

Beratungsschwerpunkte

Grafik von einem schlichten Haus

Baufinanzierung

Den günstigsten und besten Partner im Bereich Banken/Versicherungen finden! Versuche immer eine Lösung zu finden.
Grafik von einem ansteigenden Balkendiagramm

Geldanlage

Langfristigkeit und Kostenaspekt sind hier massgeblich!
Grafik von einem Schutzsymbol

Versicherung

Auch hier sollte eine Grundversorgung notwendig sein!
Grafik von einem Geldbündel

Altersvorsorge

Eine Grundversorgung, die ein Leben lang halten soll!
Grafik von einer Kreditkarte und Münzen

Konto & Kredit

Icon Geschäftskunden

Für Geschäftskunden

Kompetenzen

Berufserfahrung

15 Jahre Finanzberatung, vorher knapp 20 Jahre Relationship Management in Deutschland und den USA bei der Deutschen Bank. Starkes Netzwerk im Bereich Finanzen - auch durch Ehrenamt über die IHK Vollversammlung!

Zusatzqualifikationen

Experte mit entsprechender Prüfung in der Frankfurt Business School in den Bereichen Investments, Private Altersvorsorge und Immobilienfinanzierung.

Serviceleistungen für WhoFinance-Nutzer

  • Kostenlose Erstberatung
  • Beratungsprotokoll
  • Beratung beim Kunden vor Ort

Kundenprofil

  • Selbstständige
  • Beamte
  • Rentner
  • Angestellte
  • Studenten

Berufsgruppen

Keine Einschränkung!

Typischer Kunde

soll am Ende zufrieden sein!

Weitere Informationen

Tätig in:

Mannheim und Umgebung einschließend die Pfälzer Seite, der Grenzbereich zu Hessen, aufgrund des Sitzes in Walldorf auch bis Heilbronn finanzierend---

--- und in ganz Deutschland!

Mitgliedschaften:

Vollversammlung der IHK Rhein-Neckar

Fördermitglied der Wirtschaftsjunioren

Netzwerk der Kleinunternehmen

Netzwerk CSR

Impressum und Pflichtangaben

Adresse:
Sabine Krauß FIBA Immohyp GmbH
Tannhäuserring 60
68199 Mannheim
Vermittlerregister:
D-W-153-W3II-63 (34i) D-8YU4-Z8K34-31 (34d) D-F-153-26QA-56 (34f)/IHK Rhein-Neckar

Informationen:

Dieser Internetauftritt ist ein Angebot von Sabine Krauß, freie Handelsvertreterin gem. HGB §84.

Sabine Krauß, FIBA Immohyp GmbH, Repräsentanz Walldorf, Tel. 06227/814113, Email: s.krauss@fiba-baugeld.de.

Finanzdienstleister nach §34 c GeWO, ausgest. durch die IHK Rhein-Neckar. Immobiliendarlehensvermittler,  Versicherungsvermittler und Vermittler für Finanzanlagen, ausgest. durch die IHK Rhein-Neckar.