Beratung wie vom Fachmann! Eine Baufinanzierung ist ein langfristiges Projekt, welches eine Vielzahl von Entscheidungen beinhaltet. Als erstes sollte man sich überlegen, ob man eine traditionelle Variante als rückzahlbares Darlehen, über eine Bausparkasse oder Lebensversicherung, finanzieren möchte.
Die Finanzierung über Bausparversicherung nützt vor allem in Zeiten hoher Zinsen, wenn langfristig die niedrigen Bausparzinsen genutzt werden können. Hier ist aber zu beachten, dass man in der Ansparphase nicht so hohe Nachteile gegenüber anderen Sparformen hat.
Bei der Baufinanzierung über Lebensversicherung zahlt man erst am Ende der Laufzeit und finanziert während der Laufzeit über die Einzahlung in eine kapitalbildende Lebensversicherung. Es ist zu beachten, dass es keine Garantie für die Rückzahlung zu den prognostizierten Bedingungen gibt.
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