Bausparen · lock in your rate · Lüdenscheid
Lock in tomorrow's rate today.
Planning to build, buy, or renovate in a few years? With Bausparen (combined savings-and-home-loan contract) you freeze the loan rate today, build up equity in a plannable way, and take state subsidies along the way. The idea behind it is simple: save 1 €, use 2,50 € – 1 € in savings plus 1,50 € of low-interest Bauspardarlehen (building-society loan).
Your key figures
Representative example under Sec. 6a PAngV
ImmoStart, tariff variant „Niedriger Zins" (low-interest option): net loan amount 30.000 €, fixed borrowing rate 0,95 % p. a. (fixed for the entire term), annual percentage rate 1,40 % p. a., term approx. 7 years 4 months, 88 monthly payments of 360 € (final payment differs), total amount approx. 31.600 €. Requires an allocated Bausparvertrag; excluding costs of collateral. Provider: Deutsche Bausparkasse Badenia AG.
Simplified model calculation, not advice and not a binding offer. The rate-security gain shows, as an example, the extra cost if you take out the same loan only later at a rate higher by the value you set (assumption: building-society loan around 50 % of the Bausparsumme, rate difference calculated over ten years). Your real terms depend on the tariff variant, the Bausparsumme, the valuation figure, and your credit standing, and are determined only in the personal conversation.
Mortgage rates · data from Deutsche Bundesbank
That is exactly why locking in pays off.
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Two paths, one goal
Which Bausparvertrag fits you?
The cornerstone for your own home
For you if you want to buy or build later – and want to lock in the rate now.
- Lock in a low loan rate for the future
- Two flexible loan options, switch anytime
- Less dependent on the ups and downs of the capital market
The reserves for your home plans
For you if you build reserves with a plan – for modernizing, renovating, or the next step.
- Build equity and reserves safely and flexibly
- Two sub-contracts mesh together automatically
- Savings available anytime when you need them
Bausparen through our Bauspar partner, Deutsche Bausparkasse Badenia AG (tariff „Via Badenia 20"). As a financial advisor for the DVAG, I guide you from the first idea to the payout.
In three phases
How Bausparen works.
Saving
You save your balance regularly and take state subsidies along the way. The later loan rate is fixed from the very start.
Allocation
Once you have saved enough and the valuation figure is reached, your contract is "allocated". Now you can draw on both your savings and the loan.
Loan
You draw your building-society loan at the rate from back then – no matter how high market rates stand by now. Extra repayments are free at any time.
Even before allocation you can start with advance financing or a bridging loan – in case your plans arrive faster than expected.
Money from the state
Subsidies you should take along.
Wohnungsbauprämie (home-building bonus)
On your savings contribution – from age 16.
up to 70 € (singles) or 140 € per year · income limit 35.000 / 70.000 €Arbeitnehmer-Sparzulage (employee savings bonus)
If you pay in employer-funded capital-forming benefits (VL).
up to 43 € (singles) or 86 € per year · income limit 40.000 / 80.000 €Jugendbonus (youth bonus)
Extra bonus for young Bauspar savers aged 15 to 25.
one-off up to 200 € · first contract, term at least 7 yearsFigures as of the current status; the respective legal requirements and income limits apply. Whether and how much the subsidy applies to you is something we check together.
More than just saving
A solution for the here and now, too.
Modernize without a land-register entry
For smaller projects there is the unsecured loan – with no land-register entry: up to 15.000 € as a tenant, up to 50.000 € as an owner.
Lock in your follow-up rate today
Is your fixed-interest period ending in the next few years? With a forward loan you lock in today's rate for your follow-up financing.
A building block of your financing
Bausparen can be combined with your home financing – as an equity substitute and for plannable rate security.
Ready to lock in your rate?
Answer a few short questions, then I will get back to you with your personal Bauspar strategy – matched to your goal and your subsidies. Free of charge and without obligation.
Request a Bauspar strategy →