Instead prefer to hire their own home financing
The money for better housing in their own four walls investing is the better solution than a lifetime to pay rent.
About 20 years or longer has paid rent, has only acquired legal residence. Nothing more. Who is Real Estate has created has made a careful financing as much output as the tenant. However, in contrast to the tenant is then full home ownership. With a well thought-out project and construction is a solid little later for the preservation of the house to pay. Similarly, the incidental living lower than in a rented apartment. There are houses, even with the surplus energy to work. All this is possible without the modern building, which in addition to expensive to purchase even more costs in the current holding. A tenant on the other hand, must continue to rent residential and high-pay charges.
A non-equity financing is dangerous
There are models for residential financing without equity. Of this, however, is discouraged. The repayment rates are very high. Even people with a very large income, the rates which can cover loosely, this model is not recommended. No man can know whether this income always remains.
As a rule of thumb should be at least 20 percent equity exist. With small income, a longer Ansparphase plan. Early start on saving and it is advisable to bring success. To the load as low as possible, it is advisable that all existing insurance companies to analyze. Many insurance companies are not required and most are in the same power even more cost effective to have. Most Baufinanzierer offer free assistance in building the equity and, also free, as a service to optimize insurance. With the money saved can equity usually without additional burden to be established.
Savings as a financing of a home is bad
The interest savings for a loan is relatively low. Nevertheless, financing a home with an expensive Bausparen venture. Before the credit for the mortgage lending is the accumulation of capital with a building contract. Interest rates are quite low. So does the Ansparphase long. In the building contract is usually seven years. Often it takes time to allocation for more than seven years. In the calculation of credit costs are not insignificant fees for the building contract to be considered. The FOCUS online real estate comes in his article "hardly worth the savings" to the conclusion: "The bottom line, that is state-sanctioned fraud savings."
Healthy Credit - Real Estate secures living standards in old age
Most banks expect the equity to finance the property with one. That means 80 percent financing. A much cheaper alternative is the capital profitably, and in the property with 100 percent financing. They serve the 20 percent equity as collateral for bank financing until the end of the loan repayment. The income from the investment will generally serve as a partial repayment of the building loans. If the loan repaid, the equity is once again free and can, for example, for retirement should be used.
An intelligent building and a solid construction ensure low or no maintenance costs for the house, and the charges may eventually disappear, or even the house provides even more Energy Saving Appliances. This secures a home owner, despite lower incomes in retirement a much higher standard of living than if he had to pay rent.
poniedziałek, 22 czerwca 2009
Building materials and insulation materials in buildings
The right insulation contributes to a pleasant indoor climate in a house
Choosing the right construction and insulation in buildings saves heating costs in winter and in summer to prevent a too high temperature in the living quarters.
Who insulation made from natural materials chosen, is already on the right track. Insulating materials made of plastic foam are one in the very Energy Efficiency production and the others are the precursors to some poisonous. During a fire toxic gases also. The disadvantage is the low thermal summer. Polystyrene foam, for example, takes only a little insulation and styrofoam in the summer is the heat penetrate almost unabated. Mineral wool and glass wool, are very energy intensive to produce. Is mineral once soaked, it must be replaced.
In any case, natural insulation in terms of energy production and also in its much better insulation or artificial mineral insulation is preferable. These materials also provide a better protection against the summer heat than mineral or synthetic insulation. A disposal of the natural material is also easy. The plastic foam insulation on the other hand, are problematic in waste disposal.
Cellulose Insulation
The cellulose insulation is made from old newspapers. These are the daily disintegrated. An addition of Borsalzen causes the material schimmelhemmend and in case of fire is even glimmhemmend. The fire resistance exceeds even non-flammable insulation. This insulating material is placed in the wall, floor and roof furnaces. Due to its structure, a gap-free insulation. This insulation is in addition to its insulation even sound insulation. Although they are air-tight and add, it is open to diffusion. The cellulose insulation is required in the manufacture of the least energy.
Korkdämmplatten
Korkdämmplatten are made from ground Korkrinde produced. This is the mill superheated steam. The Korkteilchen stretch and released by the resin bonding the Korkteilchen to a block. The plates are then cut. The insulation is good, as is the protection against summer heat. The sound insulation is not as good as the cellulose. Korkdämmplatten are mildew resistant.
Wood fiber insulation boards
Waste or residual is the raw material for wood fiber insulation boards. The disintegrated material is water and a small amount of aluminum sulfate added. Due to the acidic aluminum sulfate dissolves the resin from the wood fibers and serves as a binder. Resins are used in environmentally-oriented businesses are not used. Used this wood fiber insulation boards in the interior and insulation plate. In bitumierter form as a sub-panel roof. The insulation is slightly lower than that of cellulose. The sound insulation is good, as is the summer heat protection.
Sheep wool insulation
The sheep's wool insulation will unkaschierten in railways in the rafters and wall boxes attached. The good thermal Green Insulation is already well known for the clothing. Against moth infestation of the insulation must be protected. A healthy house is on toxic pesticides waived. The sheep's wool insulation is glimmhemmend and also provides a good thermal summer.
Recommendation cellulose insulation
For the construction of healthy houses Naturdämmmaterial is preferable. In view of the insulation, noise insulation and the summer heat insulation is cellulose insulation to be preferred. Similarly, in energetic terms in the production and subsequent disposal.
Choosing the right construction and insulation in buildings saves heating costs in winter and in summer to prevent a too high temperature in the living quarters.
Who insulation made from natural materials chosen, is already on the right track. Insulating materials made of plastic foam are one in the very Energy Efficiency production and the others are the precursors to some poisonous. During a fire toxic gases also. The disadvantage is the low thermal summer. Polystyrene foam, for example, takes only a little insulation and styrofoam in the summer is the heat penetrate almost unabated. Mineral wool and glass wool, are very energy intensive to produce. Is mineral once soaked, it must be replaced.
In any case, natural insulation in terms of energy production and also in its much better insulation or artificial mineral insulation is preferable. These materials also provide a better protection against the summer heat than mineral or synthetic insulation. A disposal of the natural material is also easy. The plastic foam insulation on the other hand, are problematic in waste disposal.
Cellulose Insulation
The cellulose insulation is made from old newspapers. These are the daily disintegrated. An addition of Borsalzen causes the material schimmelhemmend and in case of fire is even glimmhemmend. The fire resistance exceeds even non-flammable insulation. This insulating material is placed in the wall, floor and roof furnaces. Due to its structure, a gap-free insulation. This insulation is in addition to its insulation even sound insulation. Although they are air-tight and add, it is open to diffusion. The cellulose insulation is required in the manufacture of the least energy.
Korkdämmplatten
Korkdämmplatten are made from ground Korkrinde produced. This is the mill superheated steam. The Korkteilchen stretch and released by the resin bonding the Korkteilchen to a block. The plates are then cut. The insulation is good, as is the protection against summer heat. The sound insulation is not as good as the cellulose. Korkdämmplatten are mildew resistant.
Wood fiber insulation boards
Waste or residual is the raw material for wood fiber insulation boards. The disintegrated material is water and a small amount of aluminum sulfate added. Due to the acidic aluminum sulfate dissolves the resin from the wood fibers and serves as a binder. Resins are used in environmentally-oriented businesses are not used. Used this wood fiber insulation boards in the interior and insulation plate. In bitumierter form as a sub-panel roof. The insulation is slightly lower than that of cellulose. The sound insulation is good, as is the summer heat protection.
Sheep wool insulation
The sheep's wool insulation will unkaschierten in railways in the rafters and wall boxes attached. The good thermal Green Insulation is already well known for the clothing. Against moth infestation of the insulation must be protected. A healthy house is on toxic pesticides waived. The sheep's wool insulation is glimmhemmend and also provides a good thermal summer.
Recommendation cellulose insulation
For the construction of healthy houses Naturdämmmaterial is preferable. In view of the insulation, noise insulation and the summer heat insulation is cellulose insulation to be preferred. Similarly, in energetic terms in the production and subsequent disposal.
Healthy heating systems in houses
Low energy and low cost
A healthy house is, of course. A healthy home is easy. A healthy house has little energy. A healthy house is otherwise caused little cost.
A good thermal green insulation and permeable walls are seemingly incompatible. But it is: In practice, there are plenty of examples. These houses are also still in the manufacture of very inexpensive. Diffusion open walls and a good thermal insulation in combination with low heating requirements are the requirements for a healthy house. In houses without building can not break. Thus, healthy houses also contribute to healthy finances.
Healthy houses have healthy Heaters
A healthy heating system does not cause air movement. These heating systems bring heat like the sun. So heat radiation (Solar Attic Fans). This heater heats only the objects and creatures in the rooms and not the air in the rooms. This saves energy. These heating systems are either at or in the wall. Thus the walls are warmer than the air. Then can also be no moisture on the walls down. Despite the cool air there is in these rooms a comfortable climate. Like the pictures of the winter athletes, despite the snow and ice in swimsuits sunbathing. These healthy heating systems (radiant heating) can be reconstructed in a straightforward retrofit. Much simpler and cheaper than a normal Solar Panels. These heating systems come with no gas or oil from.
No vapor barrier required
The warm walls need no vapor lock. The risk of moistening of the walls does not exist. Thus not even the slow destruction of the walls of insulating material incl. The spaces in the resulting moisture can freely diffuse through the walls without having to above. With the natural insulating materials is also no heat is lost. In the garment industry for example with the Goretex material practices.
Ventilation systems are not required
Homes with vapor barriers need to ensure ventilation, a ventilation system. This plant needs energy. Energy costs money. Then you need these facilities maintenance. You must be cleaned and disinfected even. Ventilation systems create a continuous air movement.
Cost for healthy houses are low
Housing is very expensive. Houses, the building without replacement automatically have low production costs. The natural Green Home Products for the walls is also quite cheap in price. The construction cost, where the owners have the time, even by its own consumption. The simple design makes it possible.
Operating and maintenance costs for healthy houses are low
The existing building can not be zero cost. No repairs, no maintenance, there are no measurements of emissions is required. The heating is also lower because the air in the houses must not be heated. Only the body in the rooms are warm. When air can not warm air from escaping, which can then be heated up to be.
A healthy house is, of course. A healthy home is easy. A healthy house has little energy. A healthy house is otherwise caused little cost.
A good thermal green insulation and permeable walls are seemingly incompatible. But it is: In practice, there are plenty of examples. These houses are also still in the manufacture of very inexpensive. Diffusion open walls and a good thermal insulation in combination with low heating requirements are the requirements for a healthy house. In houses without building can not break. Thus, healthy houses also contribute to healthy finances.
Healthy houses have healthy Heaters
A healthy heating system does not cause air movement. These heating systems bring heat like the sun. So heat radiation (Solar Attic Fans). This heater heats only the objects and creatures in the rooms and not the air in the rooms. This saves energy. These heating systems are either at or in the wall. Thus the walls are warmer than the air. Then can also be no moisture on the walls down. Despite the cool air there is in these rooms a comfortable climate. Like the pictures of the winter athletes, despite the snow and ice in swimsuits sunbathing. These healthy heating systems (radiant heating) can be reconstructed in a straightforward retrofit. Much simpler and cheaper than a normal Solar Panels. These heating systems come with no gas or oil from.
No vapor barrier required
The warm walls need no vapor lock. The risk of moistening of the walls does not exist. Thus not even the slow destruction of the walls of insulating material incl. The spaces in the resulting moisture can freely diffuse through the walls without having to above. With the natural insulating materials is also no heat is lost. In the garment industry for example with the Goretex material practices.
Ventilation systems are not required
Homes with vapor barriers need to ensure ventilation, a ventilation system. This plant needs energy. Energy costs money. Then you need these facilities maintenance. You must be cleaned and disinfected even. Ventilation systems create a continuous air movement.
Cost for healthy houses are low
Housing is very expensive. Houses, the building without replacement automatically have low production costs. The natural Green Home Products for the walls is also quite cheap in price. The construction cost, where the owners have the time, even by its own consumption. The simple design makes it possible.
Operating and maintenance costs for healthy houses are low
The existing building can not be zero cost. No repairs, no maintenance, there are no measurements of emissions is required. The heating is also lower because the air in the houses must not be heated. Only the body in the rooms are warm. When air can not warm air from escaping, which can then be heated up to be.
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