Written by students who passed Immediately available after payment Read online or as PDF Wrong document? Swap it for free 4.6 TrustPilot
logo-home
Previously searched by you
Previously searched by you
logo
  • Bankkauffrau
  • Bankkauffrau
  • Bankkauffrau
To add items to your wishlist, you must be logged in
Summary

Zusammenfassung zum Thema Bausparen

Rating
-
Sold
-
Pages
3
Uploaded on
29-01-2025
Written in
2024/2025

hier findest du kurz gefasst wichtige Infos zum Thema Bausparen, Zwischen- & Vorfinanzierung

Institution
Bankkauffrau
Course
Bankkauffrau

Content preview

Bausparen
Zweck: Sollzins bleibt immer gleich, wie schon beim Vertragsabschluss
festgelegt —> KD sichert sich Zinssatz

Sparphase:
- Vertragsabschluss mit Abschlussgebühr
- Abschlussgebühr (einmalig) wird entgegen gerechnet, BSV startet
also im Minus
- Sparbedingungen
- Regelsparbeitrag einhalten, wenn man zur angegebenen Laufzeit
fertig sein will
- Guthabenszins nicht der Redewert
Zuteilung:
- Mindestsparguthaben meist 40% angespart
- Mindestsparzeit
- Mindestbewertungszahl (wird von der Bausparkasse im Hintergrund
erstellt)
- Antrag auf Zuteilung- Möglichkeiten
- Geld auszahlen lassen
- Darlehen in Anspruch nehmen
- Darlehensanspruch um 1 Jahr herauszuzögern
- auf Zuteilung verzichten & weiter sparen

Darlehensphase:

- Darlehenszins wurde mit Vertragsabschluss gesichert
- mtl. Rate ebenfalls schon mit Vertragsabschluss sichergestellt
(Prozentsatz der BSS) z.b. 5% von 50.000 = 250€/ pro Monat
- Darlehenssicherung durch Eintragung Grundschuld
(Beleihungsgrenze bei 80% des Beleihungswertes)

Vorteile
- niedriger Darlehenszins
- gezieltes Ansparen
- sichere Kalkulationsgrundlage (Darlehenszins & Höhe wird schon mit
Vertragsabschluss festgelegt
- stattl. Förderung (WoP & AN-Sparzulage)
Nachteile
- niedrige Guthabensverzinsung
Report Copyright Violation

Written for

Course
Bankkauffrau

Document information

Uploaded on
January 29, 2025
Number of pages
3
Written in
2024/2025
Type
SUMMARY

Subjects

  • zusammenfassung
  • bankkauffrau
  • bausparen
  • darlehen
  • zuteilungsfrei
$7.45
Get access to the full document:
Wrong document? Swap it for free Within 14 days of purchase and before downloading, you can choose a different document. You can simply spend the amount again.
Written by students who passed
Immediately available after payment
Read online or as PDF
Get to know the seller
Seller avatar
Reputation scores are based on the amount of documents a seller has sold for a fee and the reviews they have received for those documents. There are three levels: Bronze, Silver and Gold. The better the reputation, the more your can rely on the quality of the sellers work.
lisakilian2005
5.0
(2)

Get to know the seller

Seller avatar
Reputation scores are based on the amount of documents a seller has sold for a fee and the reviews they have received for those documents. There are three levels: Bronze, Silver and Gold. The better the reputation, the more your can rely on the quality of the sellers work.
lisakilian2005 Sparkasse Jena
View profile
Follow You need to be logged in order to follow users or courses
Sold
29
Member since
1 year
Number of followers
1
Documents
21
Last sold
2 months ago

5.0

2 reviews

5
2
4
0
3
0
2
0
1
0

Why students choose Stuvia

Created by fellow students, verified by reviews

Quality you can trust: written by students who passed their tests and reviewed by others who've used these notes.

Didn't get what you expected? Choose another document

No worries! You can instantly pick a different document that better fits what you're looking for.

Pay as you like, start learning right away

No subscription, no commitments. Pay the way you're used to via credit card and download your PDF document instantly.

Student with book image

“Bought, downloaded, and aced it. It really can be that simple.”

Alisha Student

Working on your references?

Create accurate citations in APA, MLA and Harvard with our free citation generator.

Learn more Create citation
Working on your references?

Frequently asked questions