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Debate in the Bundestag: Better protection against high interest rates

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news Debate in the Bundestag: Better protection against high interest rates News always well informed Thursday, 09.10.14 , written by Cora Christine Döhn This Friday, debates in the Bundestag on a limitation of disposition and overdraft interest rates. There are applications from the Greens and the Left, which consider the cost of overdrafting at historically low interest rates unjustified. Consumer Protection Minister Heiko Maas proposes a more diplomatic solution. > Viel Geld für teure Dispozinsen Disbursing costs pull the banker's money out of his pocket

Green Party and Left Party are again campaigning for the limitation of discretionary interest and thus for the rights of bank customers on Friday. In times of historically low interest rates (0.05 percent) , they see the level of bank overdraft and overdraft rates as unjustified. Many banks demand according to the disbursement test test of Stiftung Warentest interest of over 10 percent. The highest overdraft interest rate, according to the Left Party, even stands at 22.5 percent. From the perspective of consumer protection, it is particularly critical that interest rate increases are passed on to customers much faster than interest rate cuts. In concrete terms this means that the negative interest rate developments are borne by the bank customer, but he benefits only slowly from the positive ones.

Overdrawn interest rates: Do banks bank customers pay?

Banks take a risk when lending money in the form of disposition or overdraft facilities. If the customers can not settle their debts, the bank will remain at the expense. The payment default rate, according to the Left, is only 0.3 percent . The amount of the interest is therefore not justified as a risk buffer. Both the Left and the Greens speak of a systematic rip-off of private banking customers and criticize the behavior of banks. Especially in rural areas, where a bank change is often not possible without significant circumstances, the high interest rate is not acceptable.

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Trapped in the Dispo trap: Affected get into personal bankruptcy

One in five Germans, according to FMH-Finanzberatung and Dusseldorf-based financial expert Udo Keßler, have to take out a loan in the form of overdraft or overdraft facilities. The reasons for this are diverse. Unemployed, single parents, couples with children and people in precarious working conditions are often dependent on overdraft. Especially people who regularly have to overdraw their bank accounts, get into the debt trap with the high interest rates of the emergency loans. Disbursements can be easier for customers to get than the cheaper installment loans. But it is also one of the most expensive forms of credit on the market. Frequently, indebted people can not withstand the rising costs without help and get into private bankruptcy .

Green and left call for limitation – Maas only wants to introduce banking advice

To relieve consumers, the left calls for a limitation of the overdraft and discretionary interest to a maximum of five percent above the base rate of the European Central Bank (ECB). Currently that would be 5.05 percent . The Greens are proposing an audit to determine what the interest rate should be in order to cover the banks' risk costs. Consumer Protection Minister Heiko Maas (SPD) chooses the diplomatic way and considers advisory obligation on the part of the banks with the customers meaningful, which use the Scheduling credit longer term. In addition, more transparency with regard to the amount of disposition and overdraft costs is to be ensured in the future. It is questionable whether counseling alone paves the way out of the debt trap. Because even if the bank customer is well informed, he probably has no way to switch to a cheaper loan.

Here are tips and more information about the investment. >

Cora Christine Döhn

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How much is a letter?

Friday, 12.08.16, written by Anja Schlicht

For years, a normal stamp cost 55 cents. But after Deutsche Post has raised its prices for postage four times since 2013, many people today are asking themselves: what does a letter cost? At 70 cents, shippers currently pay over 25 percent more for a standard letter than four years ago. After all, until the end of 2018, the prices for stamps should not rise further.


While people occasionally send postcards when they’re on holiday, letters are rarely sent out these days. The question of what a letter costs, therefore, is rare, because the post costs in contrast to e-mails, text messages or phone calls too much time . But some issues such as the termination of the electricity or Internet provider should be better done by mail. Anyone who wants to pay a stamp worth 55 cents out of the habit of having a proper surprise. Because since 2016, the postage for a normal letter at Deutsche Post costs 70 cents . If you want to send more than three pages, you have to pay 85 cents for a compact letter.

How much is a letter? Alternatives to the post compared

A letter can also be sent with a shipping company other than Deutsche Post to save some money. However, most companies operate very regionally so that mailboxes and outlets can not be found in every region. For example, Pin Mail AG is active in Berlin. What does a letter cost here? 65 cents. In East Thuringia Citykurier can be used for shipping. There is the stamp for 62 cents. In Lower Saxony Citipost is ready as an alternative to the German Post. The cost of a normal letter is 60 cents. Inhabitants in Baden-Wuerttemberg pay 68 cents for using the company BW Post there for shipping.

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How much does a letter cost and why are stamps more expensive?

Swiss Post initially increased the cost of a standard letter in 2013 from 55 cents to 58 cents. In 2014, the next adjustment to 60 cents took place, before 2015 already 62 cents were due. Since January 2016, consumers now pay 70 cents for sending a letter. The last price increase of eight cents is due to a new price regulation, after which the post office can adjust their prices.

To date, the postage may be increased depending on inflation and transport costs including a mark- up. For some time, the Federal Network Agency, which must approve the increase in letter postage, also allows a European market comparison . If there are higher profits made by letter delivery, Swiss Post is allowed to post tax and adjust prices.

How are letters insured?

At Deutsche Post, whose market share for letter mail is around 90 percent, ordinary letters are not insured. If a registered letter is damaged or lost, the shipment is insured up to a maximum of 25 euros. If you want to send valuables, you should, for example, use shipping as a value letter (“national value”). Here are cash up to 100 euros and valuables up to 500 euros insured. For a surcharge of 4.30 euros is due.

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