Whether internal or third-party used, can property in an insurance replaced? One of the core areas of private interest is the protection of own labour power. Currently it is a disaster for the parties concerned and whose family often. Soon, every fourth family is now affected by such a blow. Most believe a known in real estate and commonly used method to the hedging of financial risk, is the disability insurance. 64% Of the respondents indicated in a study of Continentale Lebensversicherung AG however that according to their wisdom also purchased of a real estate protects against the financial consequences of a disability.
These considerations are in no way new, but fueled by a nationwide real estate boom. So currently continuously rise housing prices throughout Germany and break a record after another. That factor is mainly attributable to the currently very low level of interest rates. Admittedly it is in Real estate ownership should stabilize to a somewhat unconventional problem solving for the protection of own labour, so-called concrete gold via ongoing rental income the supply situation of the persons concerned. In principle there are two ways to own such property, alien used or used in-house. Both types of real estate use differ essentially in their suitability to meet the capital needs of those affected. When the owner-occupied property, your own four walls, essentially get no current income in the form of an income, so that no capital power is achieved, which is to provide for a corresponding fee in an emergency in the area. Nevertheless leaves of own-use real estate not often withdraw their benefit is that through private home ownership at least rent payments will be spared a.
This offers a private house although no protection against the financial consequences of a disability, loosens the location but significantly, at least if there is no mortgage. The second alternative is the third-party shared real estate, in this case, the owner is not Residents, but landlord and therefore has a right to rent. Depending on the amount of rental income, this may suffice to at least partially cover the capital needs of the family. This is, the higher remaining real estate debt, the higher spending, which in turn reduces the rental income. Also concrete gold is not a real estate is without risk to a common denominator, whether eigen-or third-party used a sensible investment, here sustainable values are created for individuals. The strategy to cover the own labour alone with real estate is to enjoy but with caution, because here depend on all sorts of factors, such as eradication, rental leases, not least renovation costs of the success of the investments. In General, the income from a Fremdgenutzten are however stakeholders as such as a stock or bond investment real estate. A special prevention of disability can rarely replace a real estate. Who has not the right to buy a house or an apartment, should be on the Worry hedge his income by means of special disability insurance. However, some banks in real estate financing request the proof of such protection. Conclusion: Real estate is as impossible to imagine money plant, whether internal or third-party used. They remain a family in part through generations. To be prepared in the event of occupational disability, real estate, at least for most people, only part can represent a strategy to hedge a fact whose entering remains hopefully saves the most used for this.