House construction 2024, affordable with little equity?

Savers for building finance are still recommended solely because of possible capital-forming benefits and a housing construction premium. If you pay an additional 10 euros on top of state benefits, you will be pleased after 10 years with a noticeable savings amount.

The fact remains. You should have a saver for building finance!

If you yourself say that you have no idea, then I believe you. You don't necessarily have to prove it with further posts.

Does anyone still take Peter Lustig seriously?

Thank you very much for your meaningful contributions. Great performance.

But everyone embarrasses themselves as best they can.

Dandelion Dandelion Dandelion Dandelion Dandelion

Yes, exactly for that reason a home savings contract is complete nonsense. Not only the fees, but also inflation practically devours the money. There are zero credit interest rates. So it is even worse than under the mattress. For someone who is supposedly so clever and well positioned, you give plenty of bad advice.

A home savings contract is NOT a capital investment, as capital is destroyed here....

However, one can use a home savings contract very well as an instrument to hedge future interest rate risks!

So you save 30-35% (at 0.10% interest...) in return for later having 65-70% of the remainder as a loan for real estate at 2.00-2.35% (if interest rates then stand at 4.00% or higher, you can calculate the savings yourself!)

That is exactly what home savings contracts are for, for nothing else!

Just like Wohnriester... the most nonsensical product there is...