No building savings/little equity and construction/purchase plans in the near future?

But for you, the main thing now is to save through the building savings contract, is that correct?

If you already have the appointment, then ask there what happens and how you can get your money if you don't become eligible for allocation of the building saver until the start of construction.

For us, the main point is HOW we can best save for it, i.e. whether a building savings contract or a daily allowance account is the better choice for construction/purchase in the next few years.

What puts me off about the building savings contract are the high initial fees, especially if we conclude for a higher amount right away.

You already have a building savings contract, right? I wouldn’t take out a second one ...

As an alternative to a good instant access savings account, you could also invest in fixed-term deposits; the interest rates are a little bit higher than with instant access savings.

With the short horizon (~3 years?), savings plans are rather not an option.

Check whether you are entitled to capital-forming benefits and whether you are already using this entitlement.

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Actually, before deciding what to do next, an evaluation of the overall situation (insurance, retirement provision, assets, household budget) should take place. Of course, not necessarily here in the forum; you yourselves should have an overview.

You already have a building savings contract, right? I wouldn't take out a second one ...

As an alternative to a good overnight money account, you could also invest in fixed-term deposits, the interest rates are a little bit higher than with overnight money.

With the short horizon (~3 years?), savings plans are rather not an option.

Check if you are entitled to asset-building benefits and whether you are already using this entitlement.

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Actually, before deciding what to do now, an assessment of the overall situation (insurance, retirement provision, assets, household budget) should be made. Of course, not necessarily here in the forum, you yourselves should have an overview for yourselves.

My boyfriend has a building savings contract - I think 20,000€? His goal is to reach the allocation maturity by early 2018 through special payments. He receives asset-building benefits - about 7€. Not much, but at least something. Unfortunately, my new employer does not offer asset-building benefits.

My friend has a building savings contract - I think €20,000? His goal is to reach allocation maturity by early 2018 through special payments.

Well, that's something. So, €8,000 has been paid in and you would have a €12,000 loan?

Public service but no lead time? Does no collective agreement apply there?

Public service but no advance notice? Is there no collective agreement there?

My current employer offers capital-forming benefits - but unfortunately not at my new one (not public service).