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You do not have to choose the first offer. In particular, for a larger loan, it is advisable to make a loan request to various providers. This way, you can more reliably find a loan that offers good conditions. For smaller instant loans, however, a credit comparison is often sufficient.

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Especially with a larger loan, the credit providers often require a residual debt insurance, which intervenes if the borrower dies or due to unemployment, the loan installments can no longer pay. With a smaller instant loan such insurance is usually not necessary, but can still be useful. In any case, please note whether the costs are included in the calculation of the APR or represent an additional cost item.

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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.

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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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