[{"data":1,"prerenderedAt":283},["ShallowReactive",2],{"content-page:en:topics\u002Ffinancing-plan":3,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierungsplan\u002F02_finanzierungsplan_die-wesentlichen-bestandteile-eines-finanzierungsplans_100p.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":232,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierungsplan\u002F03_finanzierungsplan_aufwendungen-beim-finanzierungsplan_50p-rechts.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":245,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierungsplan\u002F06_finanzierungsplan_mit-maxda-zum-finanzierungsplan_100p.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":256,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierungsplan\u002F07_finanzierungsplan_mit-maxda-zum-finanzierungsplan_50p-rechts.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":265,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierungsplan\u002F09_finanzierungsplan_finanzierungsplan-beratung-von-maxda_50p-rechts.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":274},{"page":4,"alternates":227},{"id":5,"title":6,"asideNav":7,"backLink":29,"body":32,"description":211,"extension":83,"hero":212,"hidePageHeader":215,"locale":216,"meta":217,"navigation":215,"pageKind":218,"path":219,"seo":220,"seoDescription":221,"seoTitle":222,"slug":223,"stem":224,"translationKey":225,"__hash__":226},"pages\u002Fpages\u002Fen\u002Ftopics\u002Ffinancing-plan.md","Financing Plan",[8,11,14,17,20,23,26],{"href":9,"label":10},"#finanzierungsplan-bestandteile","Key components of a financing plan",{"href":12,"label":13},"#finanzierungsplan-aufwendungen","Expenses in the financing plan",{"href":15,"label":16},"#eigenmittel-finanzierungsplan","Equity in the financing plan",{"href":18,"label":19},"#fremdmittel-finanzierungsplan","External financing in the financing plan",{"href":21,"label":22},"#maxda-finanzierungsplan","Financing plan with MAXDA",{"href":24,"label":25},"#voraussetzungen","Requirements at MAXDA",{"href":27,"label":28},"#maxda-beratung","Financing plan: MAXDA advice",{"href":30,"label":31},"\u002Fen\u002Ftopics","back",{"type":33,"value":34,"toc":192},"minimark",[35,40,44,52,60,63,71,80,85,88,91,94,98,105,108,111,114,117,120,128,131,134,140,144,147,149,154,157,165,168,171,174,182,186,189],[36,37,39],"h2",{"id":38},"financing-plan-what-is-it","Financing plan - What is it?",[41,42],"h3",{"id":43},"",[45,46,47,48,51],"p",{},"The granting of a loan is often tied to the creation of a financing plan. This calculation of the total cost of the loan provides convincing advantages for both sides. The lender, for example the bank, can see from the financing plan what amount the loan including interest will amount to and whether a financing is economically sensible for them.",[49,50],"br",{},"\nThe borrower thus gains an overall view of the financing of their loan project. Of course, the effort required for a financing plan is only worthwhile for larger loans, such as real estate financing, construction financing or a business start-up. Companies usually resort to a financing plan when a larger investment is planned, in the course of which expensive machinery has to be purchased with their equity and new staff must be hired.",[36,53,55,59],{"id":54},"the-key-components-of-a-financing-plan",[56,57],"span",{"id":58},"finanzierungsplan-bestandteile","The key components of a financing plan",[45,61,62],{},"A meaningful financing plan rests on the following three pillars: expenses, equity and external financing.\\",[64,65],"content-image",{"align":66,"alt":67,"size":68,"src":69,"provider":70},"center","The financing plan - Key components","lg","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierungsplan\u002F02_finanzierungsplan_die-wesentlichen-bestandteile-eines-finanzierungsplans_100p.png","none",[41,72,74],{"id":73},"expenses-in-the-financing-plan",[75,76,77,13],"strong",{},[56,78],{"id":79},"finanzierungsplan-aufwendungen",[64,81],{"align":66,"alt":82,"size":83,"src":84,"provider":70},"Financing plan - The expenses","md","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierungsplan\u002F03_finanzierungsplan_aufwendungen-beim-finanzierungsplan_50p-rechts.png",[45,86,87],{},"In the category of expenses, all costs caused by the project to be financed are listed. For real estate financing, this includes not only the acquisition or production costs, but also incidental costs such as property transfer tax, notary fees for the purchase contract, fees for entry in the land register or possible broker commissions. Possible start-up costs should also not be overlooked.",[45,89,90],{},"These occur when the property is to be occupied by the borrower themselves and they previously rented. In the event that loan repayments must already begin while rent is still being paid, this temporary double burden should not be missing from the expenses in the financing plan. A financing plan for a mortgage loan can help the borrower protect themselves from rising interest rates by choosing a long fixed-interest period.",[45,92,93],{},"If the expenses of a business start-up are being planned, they are usually very complex. First, the investment costs to be financed should be recorded in the financing plan. Then the founder should definitely consider which additional expenses will be incurred until the new company is able to operate profitably. These include, for example, marketing measures and other promotional actions to quickly build up a sufficient customer base. In no case should the start-up costs be missing from the financing plan; these also include living expenses until the business generates sufficient profits.",[41,95,97],{"id":96},"_1","\\",[45,99,100],{},[75,101,102,16],{},[56,103],{"id":104},"eigenmittel-finanzierungsplan",[41,106],{"id":107},"_2",[45,109,110],{},"Even if own funds may be available for this, these expenses should appear in the financing plan, because the equity will also be documented at a later date. This shows that offsetting the three basic elements of the financing plan before its preparation should be avoided if a truly meaningful plan is desired. The determination of expenses for a corporate investment should also be carried out in detail.",[45,112,113],{},"When new machines are purchased, these expenses are usually clearly visible in the financing plan. But here too cost factors such as installation and commissioning must not be missing. If new staff are hired in connection with the investment, the expenses for their training should also be included in the financing plan.",[45,115,116],{},"In the next step, the equity is presented in the financing plan.",[45,118,119],{},"These include, in the case of construction financing, on the one hand the borrower's equity and on the other hand any contributions in kind. These are particularly relevant in the context of real estate financing, for example when buying a house. If a property is bought or newly built, the borrower can contribute to cost reduction in the construction financing by making personal contributions during construction or renovation work. This item therefore appears in the financing plan because the work carried out on the property increases value without causing additional liabilities with the bank for the construction financing. Depending on the scope of the personal contributions, this measure can make the financing of the property even more attractive to the lender due to the increase in value.",[41,121,123],{"id":122},"external-financing-in-the-financing-plan",[75,124,125,19],{},[56,126],{"id":127},"fremdmittel-finanzierungsplan",[41,129],{"id":130},"_3",[45,132,133],{},"The balance of expenses minus equity results in the amount of external financing required, i.e. the loan amount. With this financing plan, including the term of the fixed-interest period, as a basis the potential borrower can now begin to look for a lender. If you want to save yourself the effort and time of contacting every possible lender individually for the external capital, you should use the offer of a powerful financial service provider like MAXDA.",[36,135,137,22],{"id":136},"financing-plan-with-maxda",[56,138],{"id":139},"maxda-finanzierungsplan",[64,141],{"align":66,"alt":142,"size":68,"src":143},"Financing plan with Maxda","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierungsplan\u002F06_finanzierungsplan_mit-maxda-zum-finanzierungsplan_100p.png",[45,145,146],{},"A borrower should always seek the advice of a knowledgeable financing expert before submitting a loan application for external capital. This is especially true if you want to realize a loan project that, due to its scope—such as construction financing—requires a financing plan. At MAXDA, one of Germany's largest financial service providers, you are in good hands in this respect, because we can handle large numbers professionally and competently.",[45,148,97],{},[64,150],{"align":151,"alt":152,"size":83,"src":153,"provider":70},"right","The Maxda financing plan","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierungsplan\u002F07_finanzierungsplan_mit-maxda-zum-finanzierungsplan_50p-rechts.png",[45,155,156],{},"We offer loans from €3,000 to €250,000 in all common variants; from installment loans to mortgage loans. One of the many advantages you enjoy as our customer are the excellent contacts we have maintained for many years with numerous recognized German and European lenders. Therefore we are able to secure financing for you there with premium conditions. The effective annual interest rate starts at just 3.99%, and this for all terms.",[41,158,160],{"id":159},"requirements-at-maxda",[75,161,162,25],{},[56,163],{"id":164},"voraussetzungen",[41,166],{"id":167},"_4",[45,169,170],{},"The requirements are quickly explained. From the age of 18 years and a net income of €850 we will take on your loan project. If your income does not currently reach this amount, we will still find a way together with you. Because even seemingly hopeless cases still hold opportunities that our experienced staff recognize and use for you. As a civil servant or public-sector employee, you benefit from additional advantages with us, such as an especially long loan term of up to 240 months.",[45,172,173],{},"Employees with more than 10 years of service with the same employer also benefit from this option. In this context, you may also be interested to know that every loan we arrange can be repaid at any time with a special repayment, without any restriction.",[41,175,177],{"id":176},"financing-plan-maxda-advice",[75,178,179,28],{},[56,180],{"id":181},"maxda-beratung",[64,183],{"align":151,"alt":184,"size":83,"src":185,"provider":70},"Advice from Maxda on the financing plan","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierungsplan\u002F09_finanzierungsplan_finanzierungsplan-beratung-von-maxda_50p-rechts.png",[45,187,188],{},"If the financing plan still needs to be created, we are also at your side to help, because in addition to excellent conditions, we also place great value on outstanding advisory quality. Once the financing plan is on the table and you have made your decision regarding the loan amount, nothing stands in the way of the loan application. This is how the process works at MAXDA: First, you send us the clear online form filled out. Of course, your inquiry is completely non-binding and free of charge.",[45,190,191],{},"You will then receive the loan application immediately by e-mail and by post. Please fill it out truthfully and send it to us signed with all the required documents as well as the financing plan. As soon as your mail has arrived with us, we will carefully review the loan application and the attached documents and contact you to discuss all further details. To avoid any delays during this phase, it is advantageous if you provide us with your e-mail address and telephone number. Of course, you are also welcome to call us at any time.",{"title":43,"searchDepth":193,"depth":193,"links":194},2,[195,199,206],{"id":38,"depth":193,"text":39,"children":196},[197],{"id":43,"depth":198,"text":43},3,{"id":54,"depth":193,"text":59,"children":200},[201,202,203,204,205],{"id":73,"depth":198,"text":13},{"id":96,"depth":198,"text":97},{"id":107,"depth":198,"text":43},{"id":122,"depth":198,"text":19},{"id":130,"depth":198,"text":43},{"id":136,"depth":193,"text":22,"children":207},[208,209,210],{"id":159,"depth":198,"text":25},{"id":167,"depth":198,"text":43},{"id":176,"depth":198,"text":28},"A financing plan helps you complete and make your loan planning predictable.",{"ctaHref":213,"ctaLabel":214,"image":43,"lead":211,"title":6},"\u002Fanfrage","Apply for your desired loan now",true,"en",{},"legacy-topic","\u002Fpages\u002Fen\u002Ftopics\u002Ffinancing-plan",{"title":6,"description":211},"Create your financing plan now with the experts at Maxda ✓ Including loans without 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