Beginnings of a possible property | Questions about the building savings contract

2015-07-07 14:57:26

because they refinance themselves from the money of those who (still) do not take out a loan.

Yep.. exactly for that reason, savings and loans as well as the length of deposits and loan duration should roughly correspond in the entirety of all home savings contracts. The scoring number ("Bewertungszahl") exists for a reason, so that the savings are not deposited only shortly before the end.
But if only home savings contracts with 30% deposits and long loan repayments were sold, the home savings principle would no longer work.

[QUOTE="FloSchn, post: 94963, member: 25527"]There are tariffs from SchwäbischHall and the Landesbausparkassen with 30% required savings and a loan interest rate of 2.35-2.5% with a 4 per mille repayment rate.

Exactly BER of Schwäbisch Hall I was looking for.
There I am at 40% deposits and 5 per mille rate with 3.17% effective or
at 50% deposits and 3.5 per mille rate with 3.14% effective.

The only thing that somewhat approaches your data is a Riester contract, with all its pros and cons.[/QUOTE]

2015-07-07 15:09:35

what you say is basically true. However, a shift of 10% during the accumulation phase and 1 per mille during the repayment phase does not shake the system. There are plenty of people who do not take out a loan or only much later, etc.

You can't post links here: search for the U4+ tariff from Landesbausparkasse Bayern.

2015-07-07 15:51:29

Found. However, I have found that the East German LBS offers by far worse conditions. That is why I did not arrive at your figures. In the best case, I am at 2.93% eff.

2015-07-07 23:14:41

: you write that a home savings contract would not be the cheapest option. which one would it be in your opinion? we are also considering whether we should do home savings (follow-up financing in 14 years) -->

2015-07-08 10:11:12

Why are you fixated on Signal Iduna ?

Because, with the parameters (1% credit interest, "1/2 connection fee" despite 100K€, 2.25% effective interest, free account management, relatively flexible, free special repayments) I haven't found a "better" alternative And one thing remains, I won't lose more than the signing fee and possibly cancellation fees if I want to dissolve this.

2015-07-08 10:14:10

: you write that a home savings contract would not be the cheapest option. which one would it be in your opinion? we are also considering whether we should do home savings (follow-up financing in 14 years) -->

Hello lilalu, if you know that you will need follow-up financing in 14 years, you can secure a loan now with a decent interest rate for a "small" fee (unlike in my case, where I don’t even remotely know when it might be necessary)

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Beginnings of a possible property | Questions about the building savings contract

Musketier

FloSchn

Musketier

lilalu

Alibert87

Alibert87