Official loan conditions

The official loan offers a comparatively smaller monthly expenditure Hamburg-Mannheim for an official, university graduate, employees not subject to notice, coworkers of the public service. Owing to its more favorable interest rates, the longer running time and the unique repayment at the conclusion by a capital life insurance the official credit that is more favorable Hamburg Mannheim than many bankers' loans.

Official loan interest

Running time	Interest rate nominally	Interest rate EFF.	Handling charges
12 years	5.49% per annum.	5.88%	2%
15 years	6.00% per annum.	6.39%	2%
20 years	6.13% per annum.	6.49%	2%

* Official loan of the cooperative partners conditions: 09.05.2008

Their advantages

All the same whether large or small desires - a beautiful journey, equal a holidays domicile - or the conversion of debts of existing credit obligations, we support you gladly.

Security

The official loan is erased over a capital life insurance, which secures your family at the same time in the death. They lock a life insurance at the same time with the credit. If the applicant for the credit before repayment of the credit sum should die, the loan can be replaced over the life insurance. Survivors do not suffer financial losses. If the running time ran off official loans, the life insurance can serve as the further age precaution. Thus one has equivalent two collateral at the time of conclusion of an official loan.

With serving and/or inability to work

the insurance premiums are continued counting by Hamburg-Mannheim for you (at the time of conclusion of a serving and/or an inability to work additional insurance). An accident can change, on the head place the life of reason on and bring all plans duly in disorder. Particularly in case of a current credit this can become very unpleasant. If one locks service at the same time with an official loan - and/or inability to work insurance, this takes over the running costs, if one is not as applicants for the credit any more able to work. Particularly, if one has a family and a credit is to make for example a building of houses possible, this is a quite meaningful addition.

Disbursement of an surplus participation at the end of the running time.

If the applicant for the credit obtains a surplus, at run time for example by higher payments by installments or single payments, then he is taken part in the end of the running time in it. The applicant for the credit has to save thus the possibility at the same time during the repayment and to get this yield also later disbursed.

Favorable effective interest rate for the entire running time.

The interest rate agreed upon at the beginning is ensured and thus independent over the entire running time of economic changes. The applicant for the credit official loans profits from one equal lasting favorable interest rate.

Low monthly load:

Special repayments are at any time possible. With the possible special repayments the applicant for the credit has to always deposit the possibility higher sums additionally to the agreed upon rate. Thus it can obtain a surplus, in which it is taken part when disbursement of the end. The guaranteed monthly loads make a good financial clearance possible. Over the Internet the credits leave themselves, all the same whether an installment credit or an official credit compares, fast and uncomplicatedly.

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Conditions in the detail

Hamburg-Mannheim official credit with these agio

Running time	Interest rate nominally	Interest rate EFF.	+/- these agio
12 years	5.55% per annum.	6.22%	4%
13 years	5.55% per annum.	6.20%	4%
14 years	5.55% per annum.	6.18%	4%
15 years	5.79% per annum.	6.42%	4%
16 years	5.79% per annum.	6.40%	4%
17 years	5.79% per annum.	6.39%	4%
18 years	5.99% per annum.	6.59%	4%
19 years	5.99% per annum.	6.58%	4%
20 years	5.99% per annum.	6.57%	4%

Hamburg-Mannheim official loans with 100% disbursement

Running time	Interest rate nominally	Interest rate EFF.	Disbursement
12-14 years	5.99% per annum.	6.20%	100%
15-17 years	6.39% per annum.	6.62%	100%
18-20 years	6.69% per annum.	6.95%	100%

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