Konservativ Immobilie abbezahlen-Bausparvertrag, Sondertilgungen oder Tilgungsrate erhöhen?

2022.01.22 20:47 AlysanneMormont Konservativ Immobilie abbezahlen-Bausparvertrag, Sondertilgungen oder Tilgungsrate erhöhen?

Wir haben natürlich auch schon gerechnet, aber ich dachte ich frag auch mal Reddit:-) Wir (gemeinsames Nettogehalt knapp 8.000€) haben vor zwei Jahren eine Immobilie gekauft. Den aufgedrängten Privatkredit für die Differenz in den Kaufnebenkosten in Höhe von 20.000€ haben wir gerade ziemlich entspannt (also mit Urlaub und nicem Leben) abbezahlt, neben den Tilgungen für unser Darlehen. Damit werden knapp 1000€ im Monat an Kapital frei , wir könnten aber auch 1500-2000€ aufbringen (beim Maximalbetrag mit etwas Haushalten). Was meint ihr? Sollen wir für die Anschlussfinanzierung in einen Bausparvertrag einzahlen, weiter pro Jahr etwa 15.000€ - max. 24.000€ Sondertilgungen leisten oder mit dem Darlehensgeber höhere Tilgungsraten vereinbaren? Der Darlehensbetrag lag anfänglich bei 505.000, der Sollzinssatz bei 0,74. Die Restschuld am Ende der Sollzinsbindung (in knapp acht Jahren) wäre kalkulatorisch 351.876. Was Anlagen angeht sind wir beide sehr konservativ, Spekulationen oder risikoreiche Aktienfonds sind also überhaupt nicht unser Ding. Mit den momentanen Zinsen könnte es ja auch sinnvoll sein, teilweise das Darehen ab- und teilweise in den Bausparvertrag einzuzahlen? Bin gespannt was ihr sagt!
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2022.01.22 20:47 DryWrongdoer5717 Recommendations for a pore vacuum?

Hey y’all, I just wanted to know if there was a general consensus about what pore vacuum works the best. Yes I understand the harm of pore vacuums, and I can assure you it is absolutely necessary and I won’t be using it often lol
Thank you for your help if you have any info!!
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2022.01.22 20:47 Cohan-6 Mega areodactyl on me 0588 1968 5676

Looking for 10
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2022.01.22 20:47 foodsamaritan Debut cookbook Penang Makan offers a fresh new halal take on the street food of the state

Debut cookbook Penang Makan offers a fresh new halal take on the street food of the state submitted by foodsamaritan to penang [link] [comments]


2022.01.22 20:47 Natsuki_Subaru_ Which choice do you think makes the game more fun/interesting in the long term?

View Poll
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2022.01.22 20:47 thepreakness First AC tattoo!

First AC tattoo! submitted by thepreakness to AnimalCollective [link] [comments]


2022.01.22 20:47 lastoneimakee 😡🤬🤬😡😡

anyone who keeps selling sugar and spice in the trade centre I hope your city burns to the ground
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2022.01.22 20:47 Lanier2000 What kind of rep do you think Todd from BoJack horseman is?

There are two kinds of representation, one that educates people from the outside group and one that lets people from the insidegroup see themselves in that character.
Usually characters are a little bit of both, what do you think takes the upper hand though?
If you want to please elaborate in the comments :))
(I wish there were seven options :/)
View Poll
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2022.01.22 20:47 pyro_kitty Am I just getting bad servers or is this common?

My fiance and I have been getting harrassed a lot lately. I don't want people starting fights in the comments I just want to know if this is like a PS4/5 thing or a bad server. We've had lots of mean things said to us and it's tiring. Does anyone else have this problem?
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2022.01.22 20:47 RLCD-Bot [Fennec] [Black Fennec: Zeus] [Crimson Cirrus] [Twista: Inverted] [Crimson Truth Beam]

[Fennec] [Black Fennec: Zeus] [Crimson Cirrus] [Twista: Inverted] [Crimson Truth Beam] submitted by RLCD-Bot to RLCustomDesigns [link] [comments]


2022.01.22 20:47 _ZedEitch_ My new favorite way to handle the Yiga clan.

My new favorite way to handle the Yiga clan. submitted by _ZedEitch_ to Breath_of_the_Wild [link] [comments]


2022.01.22 20:47 EestiMentioned [/r/cryptostreetbets] Centaurify - Launching Now on BSC

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2022.01.22 20:47 walkerman123 Clan “markets”

I’m not sure if this is a new idea, but I haven’t seen it yet. I would like to see a “market” come into clans, where players can sell how ever many cards they want for a certain amount of gold. For example if I wanted to sell 2,000 archers to my friend, he could buy them for 20k gold or whatever price I set. I think this COULD be a good idea, but I feel like it could be more bad than good. What do you think?
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2022.01.22 20:47 garrettbtm22 My current favorite in my collection: Enforcer Unit-088 by Devil Toys x Jor Ros

My current favorite in my collection: Enforcer Unit-088 by Devil Toys x Jor Ros submitted by garrettbtm22 to ActionFigures [link] [comments]


2022.01.22 20:47 Basic-Purpose-6106 "America saved Britain twice in the last two world wars" any truth to this statement?

Thanksgiving 2020; my father in law (American) asked me (British) what I thought about the US president's call to the UK PM and his assertion that Brexit mustn't affect the Irish peace process. I think I might have asked what right the US had to tell other nations where to draw their borders. He responded by saying that his country saved my country twice in the last century.
He fancies himself a bit of a historian. I didn't challenge the assertion but instead told him "so what? it doesn't give them the right to tell us what to do with our borders". But the assertion has been bugging me and I've been looking for an opportunity to revisit the topic and dispel his beliefs.
However; I am biased. Coming from a military family with service in every generation and several family members having fallen in both wars. You couldn't ask for a more emotive topic. Perhaps I'm overlooking an uncomfortable truth.
I know that without the lend lease aid that America gave the UK we might have been forced out of WWII before the US joined. but that's a far cry from claiming that we were saved by them in the same way that they can claim to have saved France. Britain was under threat of invasion but operation sealion was postponed indefinitely after the Luftwaffe failed to defeat the RAF in the Battle of Britain and afterward I don't think there was ever any serious possibility of an invasion. All this was before the US joined.
As for WWI; seems like Germany was already on the verge of collapse when the US joined. At best the Germans might have been able to sue for peace and a return to pre-war borders, but I think it likely that Germany would have cracked eventually without US involvement and their contribution hastened the defeat by several months and saved a lot of allied lives.
Don't get me wrong; I am a huge fan of the US. I live here, my wife and two boys are Americans. Without the US I believe that the world would be a lot worse off and when I went to Afghanistan in 2006, part of my rationalisation behind the deployment was that for better or worse we owed the US a debt of honor. But I don't believe that they can justifiably claim to have saved us twice.
Willing to change my perspective if someone can convincingly lay out a decent argument though.
As an aside I was also wondering if the commonwealth and Russia could have defeated the nazis alone if Japan had postponed it's ambitions by a few more years. Also (horrible thought) are we about to see another unholy alliance between European and Asian powers with territorial ambitions? Thank god my boys are too young to be involved.
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2022.01.22 20:47 WSK_BLADE Trading Shadow and Buddha x2

Any offers ?
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2022.01.22 20:47 Sassy_Sausage98 *Thank you lord*

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2022.01.22 20:47 angelleeyanejeu Is this safe for red claw crabs? It says it maintains a ph of 8.2 that’s right about where my crabs need to be (8 ish) they are in brackish water

Is this safe for red claw crabs? It says it maintains a ph of 8.2 that’s right about where my crabs need to be (8 ish) they are in brackish water submitted by angelleeyanejeu to Aquariums [link] [comments]


2022.01.22 20:47 EaglesGirl137 Found this cute little pitcher at goodwill today. I’m assuming it’s handmade and not actually vintage. Anyone agree?

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2022.01.22 20:47 Ok-Day-4148 Leveling up fast in GTA Online?

Hey Guys,
I wanted to know how to reach rank 120 fast because i want to fully upgrade my Cars and use the Minigun im tired of the Widowmaker...
Im currently at rank 79, thank you all for the answers!
(I dont want to use RP glitches because im scared to get banned)
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2022.01.22 20:47 JDubz890 [Xbox] [H] 3200 Credits [W] Striker Tw Anispray 😄

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2022.01.22 20:47 -i-dont-like-people- Supporting 4H and some other theories…

Supporting 4H and some other theories… submitted by -i-dont-like-people- to PoliticalHumor [link] [comments]


2022.01.22 20:47 PsychologicalDog8704 Head Tremors and head pain (everyday)

18M first time 3 years ago, To say where I am at in my journey, I have been clean for a month, except I stroked my dick once and then stopped immediately after and did something else, also 15-25 days ago I sleep fapped like 4 times so I now wear tight pants to prevent myself from doing anything and it has actually worked effectively because I woke up one morning with my body trying to relapse while sleeping. I have gone on multiple one month plus streaks and forget why I do nofap sometimes and make bad assumptions on what and what I can do. I learned the hard way and live my life day by day with these rules. Now onto my problem, I experience head tremors and head pain throughout the day, Idk if this is just withdrawal that lasts 2-3 weeks from self ejaculation? Or if it is just my brain adjusting to not getting my fix anymore. I remember this happened to me in the first half of 2021 and then went away. Has anyone ever been through this?? If so has it lasted longer than a month for you guys, has it ever gone on to 90 days? Is it just my brain making my anxiety levels go up because it is not used to low dopamine levels?? Hopefully it just goes away by next month, but it is very annoying and I notice it gets worse when I feel an urge. Thanks for those that reply.
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2022.01.22 20:47 Posseem1 What is going on?

This game has gotten so convoluted that at this point it nearly breaks my phone when I open the app. Get rid of shit!
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2022.01.22 20:47 eventfulnothings saaarddaauuuukaaarrrr

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