Planning ahead
Bausparen – German home savings contracts
A Bauspar contract is the calm part of financial planning for many people: build up savings now and keep future options predictable – for a purchase or for modernisation work.
What we discuss
- 1What do you want to achieve in the coming years?
- 2Which monthly contribution fits your budget?
- 3How does Bausparen fit into a later mortgage?
- 4Which subsidies could apply to you?
For a future purchase
If you plan to buy in a few years, you can build up equity in the meantime and think about the later financing early.
For modernisation
Owners often plan measures such as heating, windows or a new roof. A Bauspar contract can be one way to prepare for them.
Predictability
The terms of the later loan are defined from the outset, which creates planning certainty regardless of market movements.
Combined with a mortgage
A Bauspar contract can be one component of an overall financing structure. Whether that makes sense depends on your plans.
Is the fixed-rate period of an existing loan coming to an end? Then read on about follow-up financing.
FAQ
Frequently asked questions
Your question is not listed? Just call – it is often answered in two minutes.
- Is Bausparen worthwhile for me?
- It depends on your timeline, your project and your budget. We look at your situation rather than give a blanket answer.
- Can I combine it with a mortgage?
- Yes, that is a common approach. How the components work together is best discussed with your actual figures.
Let us talk about your plans.
A first conversation is non-binding – by phone, WhatsApp or the contact form.