2011 complete savings and housing bonus request the housing premium is a State allowance in the housing bonus law anchored. Once a year it is paid to all fully taxable persons from 16 years of age, as well as orphaned regardless of age, who pay contributions to a savings for the first time shares in housing and building cooperatives purchase or that have a global, whose Summe is used exclusively for the financing of home ownership. The housing premium is 8.8% of expenditure in the year 2011. For even more analysis, hear from Gavin Baker. When individuals savings promoted annually by maximum 512 euros, together assessed married 1024 euro. This corresponds to an amount of 45 or 90 euro provided that even at least 50 euros were paid annually. To get the housing premium, taxable income must be less than 25600 euro individuals and 51200 euro for jointly assessed married couples.

A claim on Arbeitnehmersparzulage should not exist. The contracts must have a minimum of 7 years. A termination before the end of this period, is also retroactively forfeited the premium. There are exceptions, if balances Treaty dissolved prematurely in the housing, if the contract holder is continuously unemployed for a year or he or his spouse is disabled or dies. When selecting a funds you should consider beforehand, whether you want to complete a contractor with a high rate of credit, or a contractor with the possibility of a low interest rate loan. Both will be not included in a Bauspartrag.

So can get so high interest in the credit area, but it also faces high interest rates in a provided loan. Pick up so an offer for both options. Balances out before 2009 completed building Association savings agreements can be used after the minimum period of time, as of 2009, the method of residential construction/modernization is bound. Grant holders are uniquely exempt up to 25 years. The employer pays capital-forming payments, you can put the money in a savings. If you are still in a good position to get also the Arbeitnehmersparzulage, except for the housing premium is nothing against the conclusion of a funds.

Protection of the labour force in the school almost every fifth is berufsunfahig before he reaches retirement age. This also applies to teachers who are exposed to high psychological pressure. Invalids means that it is no longer able to operate what is consequently accompanied by a drop in income in the learned profession. The financial consequences of disability you can hedge with private disability insurance. The insurance protection should be adapted to the personal situation. No matter whether by accident, illness or mental stress due to in the case of occupational disability Government aid (General disability pension) are very low. The disability pension is paid even if it was working before at least five years. Therefore, private disability insurance particularly for entry level makes sense.

BU insurance relieves the financial consequences of his teaching profession, when it no longer is able for health reasons to exert. It pays a previously agreed pension. Distinction is made between staff and hired teachers for the protection of labour. For the former, invalidity insurance, for the latter is the disability insurance eligible. Also the taught subject can play a role in the amount of the insurance premium. Invalidity insurance is characterised by very good conditions. Verbeamtete teacher should always pay attention to the invalidity clause. Among them is one that pays the insurance if the employer determines the invalidity of the teacher.

In other words, the insurance takes over also, if it is indeed unfit for service, but has reached still not 50 per cent disability. Teachers in the employment relationship should when disability insurance on the waiver of the abstract reference. This clause means that the insurer waived refer to the policyholders by he could theoretically continue sweeping to another profession. Example: A Physical education teacher has been at the gymnastics before hurt and can as a result of the accident his profession does not continue. He has a disability insurance with this clause, he cannot be referenced by the insurer on the profession of another, for example as a call center agent. Especially at a young age, it is recommended to take out a disability insurance. Depending on the teacher contract is younger, the insurance premiums are lower. The risk of illnesses is also low. Expensive risk premiums are eliminated. Thus, the theme for trainees and young teacher is interesting. Here, there is more information and a comparison of the BU test winner.