DarthVader
2011-07-27 16:16:36
- #1
Hello,
I would like to build or buy a house in 1 - 2 years. For this, I am currently saving some money. Among this, I have a Bauspar contract D max 5 with a savings amount of 60,000€, contract start was in 2006. I saved about 200€ per month there and am still continuing to do so. In addition, I also partially save with fixed-term deposits or overnight money. For retirement provision, I have a pension plan, from which I can deduct about 70€ per month from taxes.
Now the question arises whether I should enter Wohn - Riester, and if so, what does it bring me? A current tax advantage, about 154€ subsidy. But do you see it as something I absolutely have to do? Because I cannot save that long anymore, and I was told that normally you have to save for 12 years. But I would also get a loan at 0.5% below market price!
It would be nice if someone could explain the advantage to me. Also because I can soon get a cheap loan from the Bauspar contract!
Thank you very much!
I would like to build or buy a house in 1 - 2 years. For this, I am currently saving some money. Among this, I have a Bauspar contract D max 5 with a savings amount of 60,000€, contract start was in 2006. I saved about 200€ per month there and am still continuing to do so. In addition, I also partially save with fixed-term deposits or overnight money. For retirement provision, I have a pension plan, from which I can deduct about 70€ per month from taxes.
Now the question arises whether I should enter Wohn - Riester, and if so, what does it bring me? A current tax advantage, about 154€ subsidy. But do you see it as something I absolutely have to do? Because I cannot save that long anymore, and I was told that normally you have to save for 12 years. But I would also get a loan at 0.5% below market price!
It would be nice if someone could explain the advantage to me. Also because I can soon get a cheap loan from the Bauspar contract!
Thank you very much!