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Factoring
Form der Absatzfinanzierung- Ankauf und Bevorschussung von
Forderungen aus Lieferungen und Leistungen durch ein Finanzierungsinstitut, der
Factorgesellschaft. Das Factorunternehmen übernimmt auch das Risiko des
Zahlungsausfalles, die Debitorenbuchhaltung und das Mahnwesen. Factoring ist
eine interessante Finanzierungsform für Unternehmen mit steigenden
Umsätzen |
Gesamtvermögen eines Unternehmens; setzt sich aus Eigenkapital,
Beteiligungskapital und Fremdkapital (Darlehen) zusammen
Kapitalanlage längerfristige Anlage von Geldern zur Erzielung
eines Ertrages und/oder eines Wertzuwachses |
Tagesauszug Siehe Kontoauszug!
Tagesgeld Leihgeld zwischen Geldinstituten in Form von
Notenbankguthaben von einem Tag zum anderen
tägliches Geld Leihgeld mit täglicher Kündigung, insbesondere
am Geldmarkt der Börse |
Habenzinsabkommen (HZA) Mit Ausnahme des Eckzinssatzes werden der
Zeit in Österreich die Habenzinsen frei vereinbart
Habenzinsen für Einlagen, wie Spar-, Sicht- und Termineinlagen,
und aufgenommene Gelder gezahlte Zinsen
Handelsbilanz volkswirtschaftliche Gegenüberstellung des Wertes
der Ein- und Ausfuhr eines Landes. Siehe Zahlungsbilanz! |
Interessante Gerrichturteile. Bei Guthabenkonten darf keine Schufa-Auskunft eingeholt werden
Bei Guthabenkonten darf keine Schufa-Auskunft eingeholt werden Bei den
Schuldnerberatungsstellen der Städte und Landratsämter sowie der
Verbraucherzentrale Baden-Württemberg nehmen die Beschwerden überschuldeter
Bürger zu, denen die Eröffnung eines Girokontos auf Guthabenbasis verweigert
wird. Obwohl es bei einem Konto, das nicht überzogen werden kann nicht
erforderlich ist, verlangen Banken immer wieder die Unterzeichnung der
sogenannten SCHUFA-Klausel. Die Einrichtung einer Kontoverbindung wird dann nach
Überprüfung der SCHUFA-Daten abgelehnt.Bei einem Konto auf Guthabenbasis
besteht auch kein Kreditrisiko für die Bank. Die Einholung einer SCHUFA-Auskunft
für solche Konten verstößt gegen datenschutzrechtliche Vorschriften. Auch der
Zentrale Kreditausschuss (der Zusammenschluss der Verbände der deutschen
Kreditwirtschaft) hat gegenüber den Datenschutzaufsichtsbehörden der Länder vor
kurzem nochmals bestätigt, dass bei Konten auf Guthabenbasis seitens der Banken
nicht vorgesehen sei, die SCHUFA-Klausel unterschreiben zu lassen. Verbraucher, die lediglich ein Guthabenkonto wollen und deren Bank die
Einwilligung zur SCHUFA verlangt, sollen sich ihre datenschutzrechtliche
Beschwerde an die zuständige Aufsichtsbehörde richten oder sich an die
Verbraucherzentrale wenden. |
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Schulden Hilfe :
Schuldenregulierung - Finanzsanierung
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Kredite ohne Schufa
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Ratenkredit
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Kredit ohne Schufa
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Kartenlegen per Telefon
Kartenlegen mit Beatrice - Zukunft - Vergangenheit -Gegenwart
Esoterik und Kartenlegen online
Treffsichere Aussagen -
Beruf-Partnerschaft etc.
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Kredit ohne Schufa
Beamtendarlehen mit Top Konditionen
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Impressum
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