Ein Bausparvertrag ist ein Sparvertrag, der hauptsächlich für die Finanzierung von Wohneigentum eingesetzt wird. Beim Abschluss des Vertrages wird eine Bausparsumme vereinbart, die zum Ende der Laufzeit zu einem gewährt wird. Einen Teil dieser Summe wird in der Ansparphase gesammelt, der fehlende Teil wird als Kredit zu einem festgelegten Zinssatz gewährt. Dieses so genannte Bauspardarlehen wird zu einem zu Beginn des Vertrages festgelegten Zinssatz zugeteilt. Die Mindestsparzeit für einen Bausparvertrag liegt zwischen 12 und 80 Monaten. Die Ansparsumme beträgt etwa 25%-50% der gesamten Bausparsumme.
Pro:
- Es gibt eine Arbeitnehmerzulage in Form von vermögenswirksamen Leistungen sofern das Einkommen 17.900 EUR bei allein stehenden, bzw. 35.800 EUR bei verheirateten nicht übersteigt. Die Zulage beläuft sich aktuell auf 9% und maximal 470 EUR im Jahr und pro Person
- Des weiteren gibt es eine Wohnungsbauprämie sofern ein Einkommen von 25.600 EUR (bzw. 51.200 EUR für Eheleute) nicht überschritten wird
- Man bekommt zum Ende der Laufzeit ein Darlehen mit meist günstigen Konditionen
- Sondertilgungen in der Rückzahlungsphase sind meist möglich
Kontra:
- Die gewährte Auszahlung darf nur zum Erwerb oder zur Renovierung von Wohneigentum verwendet werden
- Renditeerwartung im Vergleich zu anderen Geldanlagen relativ gering
- Meist lange Laufzeiten
- Vermögenswirksame Leistungen, sowie Wohnungsbauprämie müssen gesondert über die Einkommensteuererklärung beantragt werden. Die Frist gilt hierbei jeweils der 31.05 des Folgejahres
- Wer innerhalb von 7 Jahren seinen Bausparvertrag kündigt verliert den Anspruch auf die Wohnungsbauprämie
- Der Basiszins während der Ansparphase beträgt oft nur 1%-2%
- Der Zeitpunkt für die Zuteilung meiner Bausparsumme wird bei Abschluss des Vertrages nicht festgelegt. Die Zuteilung der Bausparsumme dauert in der Regel mehrere Monate
- Das Bausspardarlehen darf nur wohnwirtschaftlich verwendet werden. Dies muss beispielsweise durch Handwerker- Materialrechnungen oder einen Kaufvertrag nachgewiesen werden
Fazit:
Durch die gehaltsabhängigen Zulagen sind Bausparverträge unterschiedlich gut geeignet. Es gibt auch viele unterschiedliche Tarifvarianten. Ob und welche davon im Einzelfall in Frage kommt maßgeblich auf die aktuelle Lebenssituation an.
Anmerkung von meiner Seite:
Bei einer Finanzierung über einen Bausparvertrag sind insbesondere die kompletten Finanzierungskosten zu beachten!
Was mich halt bei den Bausparvertrags- Modellen immer wundert: Deutschland hat die meisten Bausparkassen, aber die geringste Eigenheimquote in Europa.
Ist hier ein Zusammenhang?
Mit staatlicher Förderung und einem attraktiven Guthabenzins ist ein Bausparvertrag eine sehr gute Alternative zu herkömmlichen Sparplänen.
Der Artikel ist schlicht und ergreifend falsch.
Die maximale Arbeitnehmersparzulage beträgt 43 € (das sind 9% von 470 €) pro Jahr.
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