Home Savings Plan
Lock in today the interest rate for your future mortgage
With a home savings plan (Bausparen), you first save part of the capital and, in return, secure the right to a loan at an interest rate fixed from day one. It is a way to bring certainty to your future financing, whether for buying, building, or renovating a home.
Benefits of this insurance
You know today the interest rate of your future loan, with fully plannable monthly installments.
With savings sums above €100,000, you access even more favorable interest conditions.
The loan can reach up to 100% of the appraised value of the home.
You choose the repayment rate that fits your plans, with the option of extra repayments at no cost.
What is covered
Savings and loan phase
Combines a savings stage with a subsequent loan stage at a fixed interest rate agreed from the start.
Flexible use of capital
You can use the loan right with the secured interest rate and allocate the saved capital to other needs within your financial planning.
State subsidies
Compatible with public incentives such as the housing premium or the employee savings allowance, in the case of capital-forming benefits.
What is not covered
Immediate full availability
The saved capital is not intended for immediate withdrawal like a checking account; its purpose is to prepare you for future financing.
Non-housing use
The associated loan is intended for housing-related purposes, not for other consumer purposes.
Real claim examples
Home purchase with secured interest
Marta took out her home savings plan years ago. Now, when buying her apartment, she accesses the loan at the interest rate she secured back then, much lower than the current market rate.
Renovation of the family home
The Herrera family uses the saved capital and the associated loan to finance a complete renovation of their home.
Frequently asked questions
When does it make sense to take it out?
The sooner the better, as this secures more favorable interest conditions for a future purchase, construction, or renovation.
Can I use it for a later refinancing?
Yes, many people use it to lock in today the interest rate for a refinancing they will need in several years.
What if I don't need the loan in the end?
You can use the saved capital for other purposes within your financial planning, with no obligation to use the associated loan.
Are there tax benefits?
Yes, there are compatible state subsidies, such as the housing premium, especially if the savings are channeled through employer capital-forming benefits.
Planning to buy or renovate a home in the future?
Tell us your time horizon and we will explain how to lock in your financing interest rate today.
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