Home & House

Building Society Savings (Bausparen)

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Protection for your dream home: our tailored solutions

Buying or building your own home is a big step in life and requires careful planning and protection. Construction financing is often necessary to make the project happen. It's important to find out about the various financing options and interest rates and to find a tailored financing solution. Advice on construction financing can help you choose the best financing option for your dream home and make the process run smoothly. With careful financial planning and protection, you lay a solid foundation for your dream home.

Frequently asked questions: Building Society Savings (Bausparen)

What is Bausparen?
Bausparen is a long-term form of saving and financing that enables you to buy or build your own home. You take out a building savings contract (Bausparvertrag) and regularly save a fixed amount. After a savings phase, you can take out a low-interest building savings loan (Bauspardarlehen).
What are the advantages of Bausparen?
Bausparen offers several advantages. Firstly, it enables long-term saving and is a safe form of investment. Secondly, a building savings contract gives you the opportunity to obtain a low-cost loan for building or buying a property. You can also benefit from state subsidies such as the housing construction premium (Wohnungsbauprämie) or the employee savings allowance (Arbeitnehmer-Sparzulage).
Is there a minimum term for a building savings contract?
Yes, there is usually a minimum term for a building savings contract. This varies depending on the provider, but is often several years. During this time, the balance is built up and your savings performance is assessed before you can apply for the building savings loan.
Can you use the savings early?
Yes, under certain conditions the savings can be used early. This may be possible, for example, if the contract is terminated early or for renovation work on existing properties. However, the exact conditions and options vary depending on the provider and the contract.
Schneider & Musil Insurance Brokers

Schneider & Musil Versicherungsmakler GbR
Blütenstr. 41, 90765 Fürth

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We will find the right Building Society Savings (Bausparen) for you – free of charge, independent and without obligation.

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