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About Verivox Real Estate

Verivox makes markets transparent. We have now applied this principle to real estate. The result: Our property search for rental and commission-free purchase offers – with a clever sorting according to the top price per square meter. This allows our customers to easily and conveniently survey the real estate market. At the desk, on the sofa, on the go – with us you will find your new home in a relaxed atmosphere.

What is unique about our service:

  • Immediate overview. With a search you can see the commission-free offers of 6 major German real estate portals.
  • Direct price comparison. Thanks to the best price indicator, you can immediately recognize the offers with the best square meter prices.
  • Innovative map search. You enter your desired location and we show you the real estate there.

Very important:

At Verivox, brokers or owners can not run ads. We are looking for suitable offers and provide important additional information about the area and surroundings. As simple as that.


You want to give us feedback? Then we look forward to your email to immobilien@verivox.de Thank you!

How does the real estate search work?

    • Simply enter the desired location.
    • You will immediately receive the rental apartments according to square meter price.
    • If you prefer to buy commission-free, change the settings.
    • They refine the search according to your needs.
    • To not miss any new offers, you can save your search and get notified.
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How much does the Verivox Real Estate Service cost?

Like all Verivox services, this service is also free for customers looking for a new home. At Verivox, brokers, owners or landlords can not advertise.

Information for estate agents, owners & operators of real estate portals

Verivox real estate is not a real estate portal, but a pure search engine for real estate. Our customers can create a personal profile with us. We constantly search the Internet for ads and prepare links to matching ads along with aggregated additional information.

We work like traditional search engines (eg Google): Only hyperlinks are tracked, whereby ad texts are automatically recognized and included in the Verivox index. Search engine-locked web pages are not searched. Verivox will not show ads.

Your advantages as a portal operator:

  • They reach a higher range.
  • They address relevant target groups.

Your advantages as a real estate agent:

  • You will find the right property for your customers faster.
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Verivox Real Estate is a pure search engine where ads can not be posted directly. Please use one of the many real estate portals that offer this opportunity. You can find real estate ads from the following portals:

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  • Immowelt.de
  • Immo4trans.de
  • Kalaydo.de
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  • Quoka.de
  • 1A-Immobilienmarkt.de
  • Myimmo.de
  • My-next-home.de
  • Privatimmobilien.de
  • Ohne-makler.net

News Problems with the occupational pension: Soon less money for the insured? 

News Problems with the occupational pension: Soon less money for the insured? 

Monday, 07.05.18 , written by Annabell Meyer Since the beginning of the year, new laws have been in place for occupational pensions, which should make provision for employed persons and employers more attractive. But due to the persistently low interest rates, occupational pensions are increasingly in difficulties, warns the Federal Financial Supervisory Authority. Many insured persons are now even  

Pensionskassen haben durch niedrige Zinsen oft Probleme bei der bAV

Employees could face reduced benefits at the BA

  • The persistently low interest rates pose a financial problem for occupational pensions.
  • Above all, pension funds can hardly meet the agreed benefits, according to financial supervision.
  • For example, in order to compensate for financial penalties, those affected may consider various alternatives to invest.

For a long time, the low-interest phase has dominated the financial market and ensures low investment opportunities for secure investment forms. The Federal Financial Supervisory Authority (BaFin) now warns that the low interest rates can also affect the company pension scheme . For many pension funds, it is becoming increasingly difficult to provide the agreed services. It is hardly possible for you to invest the insured’s contributions profitably. But what exactly does that mean for people who make provision for old age through occupational pensions?

Why are there problems with occupational retirement provision?

Above all, employees whose pension plans run through a pension fund must expect problems. In general, BaFin puts banks and insurance companies under more intense supervision when they are in financial difficulties. In view of the poor interest rates, this now affects about one third of the almost 140 pension funds.

In order to avoid payment problems, the Financial Regulator advises them to seek financial support from shareholders and sponsors such as employers. Because without additional capital insured must reckon with benefit cuts , explains BaFin boss Frank reason. According to the Süddeutsche Zeitung (SZ), two pension funds would soon be lowering their agreed benefits – they should not be the only ones left.

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Less money than agreed: Who are threatened with cuts in the company pension?

In 2015, an estimated 4.8 million people had a company pension that runs through a pension fund. According to the SZ many of them could now face lower payments than originally agreed .

Whether or not employees are affected by potential benefit reductions at the bAV is determined, among other things, by the way pension plans are implemented, emphasizes Friedhelm Gieseler, Managing Director of the hospital pension, vis-à-vis the SZ. Thus, there are various ways of implementing the occupational pension: provident funds, direct insurance companies, pension funds, public supplementary pension providers, the so-called Nahles pension and the pension funds various ways of implementation. The economic situation is not problematic for everyone, according to the expert.

Consider alternatives to private provision

In order to increase your private pension as high as possible, it is advisable to take a look at the various possibilities of investing. Because in this case, despite low interest rates still good return opportunities are possible. With an individual comparison you will find the right offer.

Benefit cuts: how can those affected fight back?

Before the reform of the occupational pension, employees have received a pension commitment from their boss. They know how much they pay and what benefits they receive at retirement age. If the pension fund can not pay this agreed amount, employees can claim the difference from the employer , says Gieseler. As a result, they do not have to worry about financial losses if their pension fund gets into trouble. However, if the employer has gone bankrupt in the meantime, the lower payouts can not be averted.

  • Here you will find tips and further information on old-age provision. >
  • Annabell Meyer
  • editorial staff

More news about retirement

# Rürup, Riester and Co .: Which private retirement provision makes sense? # The three main points of the basic pension: height, entitlement, introduction # Question of the week: What innovations do the two pensions 2019 bring? 05/30/2018 ARD plus minus: health insurance contribution for many self-employed too high 05/29/2018 What financial protection do students have when they are disabled? 05/28/2018 Rürup, Riester and Co .: Which private retirement provision makes sense? 05/25/2018 Question of the week: What comes with the new travel law on vacationers? 05/24/2018 Will 13,000 new nurses make the turnaround in care for the elderly?

Low interest rates burden the business of building societies

Berlin – The low-interest-rate phase continues to make life difficult for building and loan associations: New home loan and savings business in 2017 was unable to match the previous year’s results. This was announced by the Association of Private Building Societies.


Image: Blackboard with inscription "Bauspar"

The whole industry is under pressure: Legally high-interest legacy contracts do no good business, especially as customers do not call for loans under these contracts – because the long-term lending rate for them is high and therefore unattractive. This inhibits the money cycle in the Bauspar business model, in which customers first provide money as credit but then borrow money as credit.

There are 20 building societies in Germany. The Private Sector Association includes industry leader Schwäbisch Hall, Wüstenrot, and BHW as well as smaller institutions such as Aachener Bausparkasse. In addition, there are the Landesbausparkassen, of which the LBS Südwest is the largest. This LBS reports new business at the previous year’s level for building society savings in 2017. Wüstenrot at least speaks of a small plus.

Banks hope for rising interest rates

Banks hope for rising interest rates

What’s next – comes a turnaround in sight and thus a better time? The bankers hope for that. For example, Wüstenrot CEO Bernd Hertweck expects a slight increase in interest rates on the financial market in 2018, which could intensify in 2019. This will have an impact on his industry. “Customers are aware that interest rates could rise again,” says Hertweck. He assumes that in 2018 more customers sign a home savings contract to secure the currently still low loan interest rate- get fast cash now.

The hope for higher interest rates on the financial market is borne by the whole industry. According to the Association of Private Bausparkassen: “The moment the interest rate turnaround on a broader front is felt again, the interest rate hedging argument should become significantly more important again and then be reflected in new business.”

Construction financing is doing well

Construction financing is doing well

While last year’s Bauspar new business was modest, the sector posted strong growth in a new branch of business for the coffers: mortgage lending. This lending has only been possible for the health insurances on a large scale for two years, at that time the legislature jumped in the ailing sector and expanded its business field.

Things are going well here: Schwäbisch Hall exceeded its own expectations, the LBS Southwest spoke of a significant increase – both institutes did not give any figures. Wüstenrot reports an increase in new home loan financing of around five percent in 2017. Reason: Customers need money for investment in real estate.

Houses for young families priceless

Houses for young families priceless

But here too there are worries. Because the construction boom and rising real estate prices increase the demand for loans. But: “For us, that’s more of a curse than a blessing,” says the Wüstenrot boss. Because of the low-interest phase, more and more capital flows into real estate, which in turn would make many houses and apartments priceless for young families. However, such young families are now the core clientele of the building societies – in the long term, this is in many ways a critical development, said Hertweck.

The banker appealed to politicians to finally worry about relief on the cost side. It would be helpful, for example, if first buyers of real estate – so often young families – would not have to pay a land transfer tax. “The hurdles to take part in the homeownership boom are far too high – you can not enjoy your own home because you can not do it because of the increased costs and prices.”



Services: forcing banks to their customer’s insurance?

Consumer advocates and insurance agents share access to credit institutions. Their criticism: Unfair advice. Customers would get about life insurance imposed if they wanted a loan.

Versicherung sold through a variety of channels: the Internet, the company’s bound representative or the independent broker with honorary consultants or in the bank. The model of “bancassurance”, ie the integrated bank with private insurance class was a prior decade and a half times in vogue. But by law, it has not, as it turns out examples of the failed takeover of Dresdner Bank by Allianz. Although all insurers try to win a potent Bank as a distributor because they can generate business in bank branches. The banks are happy in times of diminishing returns on commission income. But the number of partners is limited: The Alliance has made fusion times more cooperation with the Commerzbank, Zurich with Deutsche Bank.

About this strategic change is easy to forget that there but certainly are integrated financial services on a large scale, namely the cooperative banks with R + V as of insurance and the savings banks with public sector insurers (provincial, Savings, Insurance chamber Bavaria), taken together, the second largest insurer in Germany. With its branched network of branches, they have built a barely beatable sales power. The R + V insurance has been one of the fastest growing companies in the insurance industry. They offer benefits in the package of the various possibilities, policies and banking products.

“I can do that not as a broker in my entire life”

But now, an unusual alliance formed against this fortress. Two lobby groups, which are usually located in different camps have launched a joint initiative to combat abuses of cross sales, the covenant of the insured (BDV), which represents the interests of 50,000 customers, and the Federal Association of German Insurance (BVK), he speaks for more than 40,000 representatives, agents, and brokers. “Comrades and savings forcing customers to take out insurance in connection with money products,” criticizes BVK President Michael Heinz. “We are experiencing a strong blurring, in what capacity the party is currently on the way. Here, the legislature must “draw clearer lines, said consumer advocates Axel Kleinlein, BDV-CEO, during a joint meeting in Berlin.

52 companies flying out Norway’s pension fund says Bye to coal

70,000 requests include the Better Business Bureau annually. Often, customers turned to the BDV, who received a credit promises only on the condition to complete parallel and term life insurance over the money home. “It is sold the whole package even if the customer wants to have an independent term life insurance,” said Kleinlein. Heinz, who runs his own brokerage office in Siegen, chauffer about this kind of cross-selling, “That’s gag policy under the cover. We are your local bank” Often was also observed that banks relate to bank statements and asked customers whether he wanted to cancel his policy rather not and conclude with own insurance partners. Only in this way can be explained why some savings in concluding a three-digit number of private liability policies. “I can do that as a broker in my whole life not,” says Heinz. “We have no influence on that. That’s not our business practices, “says a spokeswoman for the R + V.