A gift mountain for your children

Dear Partner, This year we want to make your children happy at Christmas time and thus also you. We play Santa Claus and we need the wishlist of your little ones. Among all submissions, we meet the three cutest wishlist.

Updating design of forms and calculator is imminent

As announced, we will update the design of our advertising material for you on the night of tomorrow, Tuesday . The conversion of the comparison computers and forms will take place between 0 and 7 o’clock. We ask for your understanding that short-term failures will occur within this period. If you’re running campaigns, we recommend that you take a break, as our advertising materials may not be consistently available at night.

New design – April is all new


Shortly we will present all our advertising materials in a new, improved look. Before we update the design of our comparison computers and forms throughout the network in the middle of April , we would like to give you a first look at the optimized advertising material today.

Update and tips for using the seal

We would like to point out to you today that we are terminating our cooperation with TÜV Süd as of 31 January 2016. Please make sure that you no longer integrate the TÜV Süd certification mark without your authorization on your website

Our terms and conditions change in February 2016

We would like to inform you today that as of February 3, 2016, we are changing our terms and conditions as well as making some adjustments to the property insurance business. Please read the following changes carefully and feel free to contact us if you have any questions.

Your new contact at finanzen.de

We hope you started the new year well.
We look forward to an exciting 2016 with you and wish you much health, happiness and success for this year.

Start the New Year with us

As far as we are concerned, we have big plans for 2016. We want to continue to offer you an innovative partner program with high-conversion advertising material and attractive commissions . Therefore, a new colleague will support us for a steady exchange with you.

finanzen.de wishes you a Merry Christmas

The year is drawing to a close and Christmas is coming. This is the perfect time to escape the hustle and bustle of everyday life for a brief moment and take a rest.

finanzen.de wishes a Merry Christmas

The entire finanzen.de team would like to wish you happy and relaxing holidays at this point. We hope that after a successful year you can spend a contemplative Christmas with your loved ones.

Now say opinion and win

In the last ten years, we have grown steadily together with you and that should remain so in the coming year. Now give us your feedback on our affiliate program so that we can get along with you even better. We will raffle a valuable surprise package among all senders.

Successful as an Affiliate: Our Do’s & Don’ts for you

For over ten years, we have been collecting valuable affiliate know-how that we share with our partners. Since your success is also our success, today we would like to give you our most important Do’s & Don’ts for Affiliates . So that you can earn even more money in the future with our innovative advertising material.

Tell us now and make more money

With our versatile advertising portfolio, you can easily make money. Recommend us now and increase your earnings once again noticeably. For each newly recruited partner, we offer you a profit sharing.

Mortgage lending


Replacing old and expensive loans

Baufinanzierung Umschuldung

Rescheduling of mortgage lending

Especially those who commit to a long-term loan, such as a construction loan, often realizes after some time that the interest rates are considerably higher compared to current loan offers and the credit is thus more expensive. By rescheduling you can counteract this and save a lot of money depending on the loan amount.

Why reschedule mortgage lending?

There are cheap and expensive loans – depending on how high the lending rates are. These can vary both depending on the time the loan is taken, as well as on possible interest rate fixation or interest rate increases in the course of the loan term. Thus, a loan that used to be very cheap can become more and more expensive as the years go by, when the interest rates of the respective bank are adjusted upwards several times. Although mortgage lending is considered to be relatively stable in comparison to smaller loans, due to their long maturity, even small adjustments in interest rates have a significant impact on the overall debt.

But you are not helplessly exposed to this fact as a borrower. With a rescheduling you can replace the excessively expensive loan and convert it into a cheaper loan. Especially with very long-term loans, such a procedure makes sense. Even though the loan was concluded at a time when very high lending rates prevailed, it may be useful to repay the loan if loan interest rates have fallen.

Editorial Tip

Offers for a rescheduling often come from the same bank, where you have also taken the original loan. Nevertheless, it is worth taking into account the offers of other financial institutions, and only then opting for a cheaper offer, if you save yourself additional costs, such as administrative fees.

How does a debt restructuring work?

Debt rescheduling will start a new loan , usually equal to the residual debt of the old loan. With this loan, the old loan is then completely paid off. Instead of the formerly very high interest rates of the old loan, much lower interest rates are now paid.

For smaller loans, a debt restructuring of the construction financing is worthwhile only if the interest difference is really serious. Because with a new loan also charges, which only lose in importance with a larger loan amount. However, large loans, such as construction loans, can very often be replaced much more cheaply after a few years. Therefore, it is worthwhile to regularly check for long-term loans what the benefit of debt restructuring would be. Especially when the general interest rate level is very low, it often turns out to be more lucrative to replace a building loan.

Runtime change and rate reduction

It is not always possible to change the repayment terms of a loan in progress. Nevertheless, the life situation and the willingness to pay can change so that you as a borrower would like to extend the term of a loan or reduce the monthly repayment installments. Even then, a debt restructuring loan is suitable. Because here you can agree on new terms of payment with a new bank. However, you should consider whether the interest rates for the new loan are still favorable, even over a longer period, and how the interest rate trend is expected to develop.

Change of loan amount

Especially with mortgage lending, it may turn out that the loan amount was set too low. This sometimes means that the construction project can not be realized without additional credit . Sometimes it is advisable not to take additional loans, but instead to repatriate the entire mortgage lending. However, you should only resort to this if you do not miss any interest rate.

Prepayment Compensation on Loan Cancellation

As soon as you as the customer of a bank cancel a loan, a so-called prepayment penalty may become due. This is a charge that you must pay if a loan is repatriated during a fixed interest period. The credit institution may then demand a so-called interest default loss from you, which arises from your termination of a loan. If you receive a prepayment penalty, you must consider the costs involved in planning your rescheduling.


Super Saver

A rescheduling also offers you the opportunity to bring order to chaos. If you have decided on several loans over time, for example, to finance your house and your car, you can combine several loans with a rescheduling. Not only do you benefit from lower interest rates, but you also benefit from a better overview of your finances.

No rescheduling without advice

Debt rescheduling can not only be used to reduce the total debt, but also to tailor the loan agreement to your personal needs. Nevertheless, the rescheduling decision should not be taken lightly. Be sure to seek advice from an independent finance expert . He can calculate exactly with you, from when a rescheduling is really worthwhile, which offer is permanently beneficial for you and how you should start with term and repayment installments.