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Things to Know About Financing

Everything I Want to Know...

 

This section gives you useful information on topics such as: Is a fixed or variable interest rate better? What is the EURIBOR? How can I keep the risks of my loan to a minimum? What’s the difference between a nominal and an effective interest rate?

  • Fixed or Variable Interest Rate

    What is the better option?

     

    There is no easy answer to this question since both options have their pro and cons. It depends on your individual situation and preferences whether a fixed or a variable interest rate is the right choice for you. In this article we will explain the most important differences and tell you what you should pay attention to.

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  • The EURIBOR: Interest Rate Benchmark

    What is the EURIBOR?

     

    EURIBOR stands for “Euro Interbank Offered Rate”. It shows the average of the interest rates set by selected European banks for a certain period of time to make unsecured loans (in euro) to each other. In other words: The EURIBOR is a price determined by the market and based on the base rate.

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  • Minimising Risks

    No Risk No Fun? 

     

    Sometimes taking risks can be a good idea. When it comes to financing, however, it is better to play it safe. Of course, unexpected events can come up in this area. 

     

    The good news is: You can insure yourself against most of these risks, and good solutions can be found even for the uninsurable ones.

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  • Nominal (Simple) or Effective Interest Rate

    What’s the Difference?

     

    Nominal interest, also called simple interest, is based on the outstanding loan. In other words: Nominal interest is the interest lenders will charge for the borrowed money. Most of the time, it will be debited from your account quarterly. The lower the outstanding loan amount, the lower the interest, which is thus charged on a pro rate basis.

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Do you have any questions for JQC or are you interested in further information?
Then please send us an email or contact us.

 

Contact now

JQC Team

JQC & Partner

Alix Jeanquartier
Waltendorfer Hauptstr. 18a
8010 Graz

Versicherungsmakler und Berater in Versicherungsangelegenheiten (insurance broker), GISA number 19099675
Vermögensberater & Kreditmakler (financial advisor and credit broker), GISA number 19106304

 

+43 316 818981

+43 660 1818981

office@jqc.at

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JQC & Partner is a member of Maklergruppe

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