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Diese Produkte sind eine clevere Lösung für vorausschauende Immobilienbesitzer, deren Zinsbindung in den kommenden Monaten oder Jahren endet und die bei der Anschlussfinanzierung keine bösen Überraschungen erleben wollen. ",[],{"type":1031,"text":1355,"spans":1356,"direction":1034},"Mit dem Zinsvergleich von FMH.de finden Sie schnell und einfach das beste Forward-Darlehen für Ihre Bedürfnisse.",[],{"id":1358,"type":1359,"tags":1360,"lang":13,"slug":1361,"first_publication_date":1362,"last_publication_date":1363,"uid":1361,"link_type":43,"key":1364,"isBroken":45},"aNvqoxIAACQAg-TQ","author",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","f4f69fc4-0a66-4cc6-a24d-aea0ce0cd63d",{},"Center",[1368],{"type":1031,"text":1369,"spans":1370,"direction":1034},"Forward braucht Vertrauen: Bei DTW* sind Sie\nmit unserem geprüften Vermittler bestens beraten.",[1371,1377],{"start":1372,"end":1373,"type":1374,"data":1375},31,35,"hyperlink",{"link_type":49,"url":1376,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C74932702T&subid=62",{"start":1372,"end":1373,"type":1378},"strong","forward-tipp-dtw","Dekstop Only","-","h1, h2 + Slices",[1384,1477,1482,1494,1655,1663,1825,1895,1925,1957,2053,2081],{"variation":1385,"version":1386,"items":1387,"primary":1388,"id":1475,"slice_type":1476,"slice_label":5},"default","initial",[],{"text":1389,"chart_alt":5},[1390,1394,1399,1404,1408,1413,1416,1419,1437,1457],{"type":1391,"text":1392,"spans":1393,"direction":1034},"heading2","Das Wichtigste in Kürze ",[],{"type":1031,"text":1395,"spans":1396,"direction":1034},"Planungssicherheit: Sie haben Angst vor steigenden Zinsen? Mit einem Forward-Darlehen sichern Sie sich die aktuellen Konditionen bis zu 60 Monate im Voraus. Eine perfekte Möglichkeit für Eigentümer, die auf absehbare Zeit eine Anschlussfinanzierung benötigen. ",[1397],{"start":24,"end":1398,"type":1378},19,{"type":1031,"text":1400,"spans":1401,"direction":1034},"Kosten: Die Zinssicherheit lassen sich die Banken mit unterschiedlich hohen Forward-Aufschlägen auf den Zinssatz bezahlen. Je länger die Vorlaufzeit, desto höher sind die Kosten. ",[1402],{"start":24,"end":1403,"type":1378},7,{"type":1031,"text":1405,"spans":1406,"direction":1034},"Risiko: Die Zinsen sind seit Abschluss des Forward-Darlehens nicht gestiegen, sondern gesunken? In diesem Fall müssen Sie trotzdem den vereinbarten Forward-Zins bezahlen.  ",[1407],{"start":24,"end":1403,"type":1378},{"type":1031,"text":1409,"spans":1410,"direction":1034},"Tipp: Wie überall gibt es bessere und schlechtere Angebote. Ein Vergleich der Offerten von Banken und Vermittlern lohnt sich – denn die Konditionen unterscheiden sich erheblich.",[1411],{"start":24,"end":1412,"type":1378},5,{"type":1031,"text":1414,"spans":1415,"direction":1034},"",[],{"type":1391,"text":1417,"spans":1418,"direction":1034},"Für jeden das richtige Forward-Darlehen",[],{"type":1420,"text":1421,"spans":1422,"direction":1034},"list-item","Für alle, die heute schon an morgen denken: Bei Haus & Wohnen sichern Sie sich schon jetzt den passenden Zinssatz für Ihre Anschlussfinanzierung. Finanzierungsberaterin Armanda Rodriguez* begleitet Sie persönlich – ausgezeichnet mit dem FMH-Zertifikat für Baufinanzierungsvermittler mit gutem Kundenservice.",[1423,1425,1428,1433,1434],{"start":24,"end":1424,"type":1378},43,{"start":1426,"end":1427,"type":1378},48,61,{"start":1429,"end":1430,"type":1374,"data":1431},146,187,{"link_type":49,"url":1432,"target":52},"https:\u002F\u002Fwww.haus-wohnen.de\u002Fkontakt\u002Ffinanzierungsberater-detail\u002Farmanda-rodriguez\u002F",{"start":1429,"end":1430,"type":1378},{"start":1435,"end":1436,"type":1378},237,306,{"type":1420,"text":1438,"spans":1439,"direction":1034},"Für alle, die clever vorsorgen wollen: Bei der Allianz* sind die ersten 12 Forward-Monate kostenlos, danach fällt ein Aufschlag von nur 0,01 % pro Monat an – mit bis zu 36 Monaten Vorlaufzeit. So sichern Sie sich attraktive Zinsen, bevor sie wieder steigen.",[1440,1442,1447,1448,1451,1454],{"start":24,"end":1441,"type":1378},38,{"start":1443,"end":1444,"type":1374,"data":1445},47,55,{"link_type":49,"url":1446,"target":52},"https:\u002F\u002Fwww.allianz.de\u002Fangebot\u002Fkooperation\u002Fbaufinanzierung\u002Fanfrage\u002F?plattform=FMH-62-BG#\u002Fkurz\u002Ffull",{"start":1443,"end":1444,"type":1378},{"start":1449,"end":1450,"type":1378},65,99,{"start":1452,"end":1453,"type":1378},118,152,{"start":1455,"end":1456,"type":1378},169,191,{"type":1420,"text":1458,"spans":1459,"direction":1034},"Für alle, die sich frühzeitig günstige Finanzierungskonditionen sichern möchten: Das Forward-Darlehen der Sparda-Bank Hessen* bietet bis zu 6 Monate Vorlaufzeit ohne Forward-Aufschläge. Zusätzlich sind für Mitglieder jährliche Sondertilgungen von bis zu 5 % ohne Zusatzkosten möglich – ideal für alle, die flexibel und vorausschauend finanzieren möchten.",[1460,1462,1465,1469,1472],{"start":24,"end":1461,"type":1378},81,{"start":1463,"end":1464,"type":1378},105,125,{"start":1466,"end":1464,"type":1374,"data":1467},106,{"link_type":49,"url":1468,"target":52},"https:\u002F\u002Fwww.sparda-hessen.de\u002Fprodukte\u002Fbaufinanzierung\u002Fkaufen-und-bauen.html\u002F",{"start":1470,"end":1471,"type":1378},140,185,{"start":1473,"end":1474,"type":1378},206,257,"text_block$9c733bd5-e477-4dc6-a3b2-d953cdf8d8ab","text_block",{"variation":1385,"version":1386,"items":1478,"primary":1479,"id":1480,"slice_type":1481,"slice_label":5},[],{"type":1349},"calculator_embed$5c71efb4-6028-4fa5-9a05-30ff7394c6a5","calculator_embed",{"variation":1385,"version":1386,"items":1483,"primary":1484,"id":1493,"slice_type":1476,"slice_label":5},[],{"text":1485,"chart_alt":5},[1486],{"type":1031,"text":1487,"spans":1488,"direction":1034},"* Einige Links auf dieser Seite sind sogenannte Affiliate-Links.\nWenn Sie darüber ein Angebot nutzen, erhalten wir eine kleine Vergütung. Für Sie entstehen keine Mehrkosten und Sie unterstützen damit unsere unabhängigen Vergleiche.",[1489,1490],{"start":24,"end":25,"type":1378},{"start":1491,"end":1492,"type":1378},138,172,"text_block$cfdf87d5-35c6-42b1-a773-9c81a8a88654",{"variation":1385,"version":1386,"items":1495,"primary":1496,"id":1654,"slice_type":1476,"slice_label":5},[],{"text":1497,"chart_alt":5},[1498,1501,1516,1518,1521,1524,1527,1531,1534,1537,1540,1544,1549,1552,1555,1558,1561,1567,1569,1572,1580,1582,1585,1588,1591,1594,1597,1599,1602,1605,1608,1611,1613,1616,1619,1622,1626,1631,1633,1636,1639,1642,1651],{"type":1391,"text":1499,"spans":1500,"direction":1034},"Was ist ein Forward-Darlehen? – Definition und Besonderheiten ",[],{"type":1031,"text":1502,"spans":1503,"direction":1034},"Ein Forward-Darlehen ist eine spezielle Form der Anschlussfinanzierung. Immobilieneigentümer können damit einen Kreditvertrag für die Zukunft abzuschließen –und sich die aktuellen Zinsen bis zu 60 Monate im Voraus festschreiben lassen. \nDie Bank garantiert ihnen den vereinbarten Zinssatz bis zum Starttermin der Anschlussfinanzierung. Bereitstellungszinsen fallen nicht an. Stattdessen verlangt die Bank einen Forward-Aufschlag. Er lässt sich mit einer Versicherungsprämie gegen steigende Zinsen vergleichen. Spürbar wird dieser Aufpreis aber vor allem bei langen Vorlaufzeiten. Bei kurzen Intervallen von bis zu zwölf Monate kann es hingegen sein, dass der eine oder andere Geldgeber auf den möglichen Forward-Aufschlag verzichtet. ",[1504,1507,1510,1513],{"start":1505,"end":1506,"type":1378},4,20,{"start":1508,"end":1509,"type":1378},49,70,{"start":1511,"end":1512,"type":1378},194,234,{"start":1514,"end":1515,"type":1378},411,428,{"type":1031,"text":1414,"spans":1517,"direction":1034},[],{"type":1391,"text":1519,"spans":1520,"direction":1034},"Wie funktioniert ein Forward-Darlehen? – Sicherheit und Kalkulation ",[],{"type":1031,"text":1522,"spans":1523,"direction":1034},"Das Prinzip ist einfach: \nEigentümer, deren Zinsbindung auf absehbare Zeit endet, unterzeichnen deutlich vor diesem Termin bereits einen Darlehensvertrag über eine Summe, die erst deutlich später als Anschlussdarlehen eingesetzt wird. Die Vorlaufzeiten reichen von wenigen Monaten bis zu fünf Jahren.   ",[],{"type":1031,"text":1525,"spans":1526,"direction":1034},"Bis zu diesem Stichtag, also dem Ablösetermin des bestehenden Darlehens, zahlen Kunden keine Raten und auch keine Bereitstellungszinsen. Der Vertrag ruht, aber der Zinssatz steht bereits fest. ",[],{"type":1528,"text":1529,"spans":1530,"direction":1034},"heading3","Ein Beispiel:",[],{"type":1031,"text":1532,"spans":1533,"direction":1034},"Ein Baudarlehen endet in 22 Monaten (Beispiel 06.2028). Dieser Zeitraum markiert die Forward-Periode (Vorlaufzeit). Zu diesem Zeitpunkt hat der Kunde noch Schulden in Höhe von 200.000 Euro. Der Objektwert der Immobilie liegt bei etwa 400.000 Euro. ",[],{"type":1031,"text":1535,"spans":1536,"direction":1034},"Nach der intensiven Lektüre einschlägiger Veröffentlichungen erwartet der Kunde, dass der Sollzins für ein Anschlussdarlehen in 22 Monaten 4,50 Prozent betragen könnte. Das ist deutlich mehr als der aktuelle Zinssatz – inkl. einem Forward-Aufschlag von 1,77 Prozent, der nur 4,07 Prozent kosten würde. ",[],{"type":1031,"text":1538,"spans":1539,"direction":1034},"Der Kunde möchte bei dem neuen Darlehen von seiner Restschuld vier Prozent pro Jahr tilgen. Welche Auswirkungen der Abschluss eines Forward-Darlehens hätte, belegt der folgende Vergleich: ",[],{"type":1031,"text":1541,"spans":1542,"direction":1034},"Szenario 1 – Ohne Forward-Darlehen: \nAngenommener Zins bei Anschlussfinanzierung in 22 Monaten, zehn Jahre fest 4,50 Prozent \n→ Monatliche Rate: 1.417 Euro \n→ Gesamtkosten: 170.000 Euro bei 69.201 Euro an Zinsanteil; Restschuld 99.200 Euro ",[1543],{"start":24,"end":1373,"type":1378},{"type":1031,"text":1545,"spans":1546,"direction":1034},"Szenario 2 – Mit Forward-Darlehen (Sollzins Sept. 2026 gleich 4,07 Prozent): \n→ Monatliche Rate unterstellt: 1.367 Euro (geringere Zinsen fließen in zusätzliche Tilgung) \n→ Gesamtkosten: 170.000 Euro bei 60878 Euro Zinsanteil; Restschuld 90.878 Euro ",[1547],{"start":24,"end":1548,"type":1378},76,{"type":1031,"text":1550,"spans":1551,"direction":1034},"Die Entscheidung für das Forward-Angebot spart unserem Kunden also 8.322 Euro – vorausgesetzt, die Zinsen steigen, wie erwartet. ",[],{"type":1031,"text":1553,"spans":1554,"direction":1034},"Doch was passiert, wenn sich der Zinssatz anders entwickelt? ",[],{"type":1031,"text":1556,"spans":1557,"direction":1034},"Unterstellt, die Konditionen für Darlehen wären in 22 Monaten wider Erwarten günstiger als die heute üblichen Zinsen und lägen bei 3,50 Prozent. In diesem Fall wäre ein Forward-Darlehen ein Verlustgeschäft. ",[],{"type":1031,"text":1559,"spans":1560,"direction":1034},"Unser Beispielkunde müsste nun dennoch 4,07 Prozent Zinsen bezahlen und hätte einen Schaden von 10.406 Euro. ",[],{"type":1031,"text":1562,"spans":1563,"direction":1034},"👉 Ein Forward-Darlehen ist immer eine Wette auf steigende Zinsen – und damit stets mit einem gewissen Risiko verbunden. Entsprechend gilt es, die Vor- und Nachteile dieser Form der Anschlussfinanzierung gegeneinander abzuwägen. ",[1564],{"start":1565,"end":1566,"type":1378},3,228,{"type":1031,"text":1414,"spans":1568,"direction":1034},[],{"type":1528,"text":1570,"spans":1571,"direction":1034},"Entwicklung der unterschiedlichen Forward-Aufschläge (Mittelwerte)",[],{"type":1573,"oembed":1574},"embed",{"embed_url":1575,"type":1576,"version":1577,"provider_name":1578,"thumbnail_url":1575,"html":1579,"url":1575},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F961c9b5d-f375-4bff-ba2f-61936cebf197\u002F","rich","1.0","static_image","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F961c9b5d-f375-4bff-ba2f-61936cebf197\u002F\">\u003C\u002Fdiv>",{"type":1031,"text":1414,"spans":1581,"direction":1034},[],{"type":1391,"text":1583,"spans":1584,"direction":1034},"Vorteile und Nachteile eines Forward-Darlehens ",[],{"type":1528,"text":1586,"spans":1587,"direction":1034},"Vorteile: Sicherheit und Planung ",[],{"type":1420,"text":1589,"spans":1590,"direction":1034},"Schutz vor steigenden Zinsen – Sie sichern sich Ihre Konditionen (und ihren Nachtschlaf) langfristig. ",[],{"type":1420,"text":1592,"spans":1593,"direction":1034},"Klare Kalkulationsbasis – Ihre zukünftige Rate steht schon heute fest. ",[],{"type":1420,"text":1595,"spans":1596,"direction":1034},"Frühzeitige Planung – besonders wertvoll bei hohen Restschulden und\u002Foder einem überschaubaren Familienbudget. ",[],{"type":1031,"text":1414,"spans":1598,"direction":1034},[],{"type":1528,"text":1600,"spans":1601,"direction":1034},"Nachteile: Eingeschränkte Flexibilität ",[],{"type":1420,"text":1603,"spans":1604,"direction":1034},"Mehr oder minder hoher Zinsaufschlag je nach Vorlaufzeit. ",[],{"type":1420,"text":1606,"spans":1607,"direction":1034},"Verpflichtung zur Abnahme des Darlehens, selbst wenn die Zinsen wider Erwarten fallen. ",[],{"type":1420,"text":1609,"spans":1610,"direction":1034},"Banken müssen selbst bei Bereitschaft, eine Nichtabnahmeentschädigung zu bezahlen, die Kündigung wegen eines ungünstigen Zinssatzes nicht akzeptieren. ",[],{"type":1031,"text":1414,"spans":1612,"direction":1034},[],{"type":1391,"text":1614,"spans":1615,"direction":1034},"Für wen eignet sich ein Forward-Darlehen?",[],{"type":1031,"text":1617,"spans":1618,"direction":1034},"Eigentlich sollte sich jeder Immobilienbesitzer, bei dem noch ein Folgedarlehen ansteht, überlegen, ob eine vorzeitige Anschlussfinanzierung \u002F Forward-Darlehen sinnvoll sein könnte. Es gibt aber selten eine klare Empfehlung, ob ein solches Darlehen lohnt, weil es keine Garantie gibt, dass sich die Zinsen in den nächsten Jahren nach oben bewegen.  ",[],{"type":1031,"text":1620,"spans":1621,"direction":1034},"Eine gute Option könnte ein Forward-Darlehen für diese Zielgruppe sein: ",[],{"type":1031,"text":1623,"spans":1624,"direction":1034},"1. Sicherheitsbewusste Kreditnehmer \nPlanungssicherheit steht im Vordergrund – wer keine bösen Überraschungen durch steigende Zinsen erleben möchte, ist hier richtig. ",[1625],{"start":24,"end":1373,"type":1378},{"type":1031,"text":1627,"spans":1628,"direction":1034},"2. Familien und Ruheständler \nForward-Darlehen verhindern unerwartete Mehrbelastungen und sind deshalb zu empfehlen, wenn die monatlichen Mittel begrenzt sind. ",[1629],{"start":24,"end":1630,"type":1378},28,{"type":1031,"text":1414,"spans":1632,"direction":1034},[],{"type":1391,"text":1634,"spans":1635,"direction":1034},"We werden sich die Bauzinsen in den nächsten Monaten entwickeln?",[],{"type":1031,"text":1637,"spans":1638,"direction":1034},"Wer sich mit Forward-Darlehen beschäftigt, macht sich Gedanken, wie sich die Bauzinsen in den nächsten 6 bis 60 Monate entwickeln könnten. Wer hier eine Prognose schriftlich abgibt, kann mehr Schaden anrichten als einem Baufinanzierer wirklich helfen. ",[],{"type":1031,"text":1640,"spans":1641,"direction":1034},"Wir von der FMH-Finanzberatung beschäftigen uns auch mit möglichen Zinsentwicklung in den nächsten Wochen und auch Monaten, aber keinesfalls mit Prognosen für mehrere Jahre. Wir sind uns aber relativ sicher, dass wir in absehbarer Zeit keinen Bauzinsen von unter zwei Prozent sehen werden. Aber auch Zinsen von weit über sechs Prozent sehen wir nicht in den nächsten fünf Jahren. ",[],{"type":1031,"text":1643,"spans":1644,"direction":1034},"Hier finden Sie unsere regelmäßigen Bauzins-Prognosen für einen überschaubaren Zeitraum.",[1645],{"start":1646,"end":1647,"type":1374,"data":1648},23,53,{"link_type":49,"url":1649,"target":1650},"https:\u002F\u002Fwww.fmh.de\u002Fzinsentwicklung\u002Fbaufinanzierung","_self",{"type":1031,"text":1652,"spans":1653,"direction":1034}," ",[],"text_block$631d66a8-f71b-4757-9af0-b700b62288ce",{"variation":1385,"version":1386,"items":1656,"primary":1657,"id":1662,"slice_type":1476,"slice_label":5},[],{"text":1658,"chart_alt":5},[1659],{"type":1391,"text":1660,"spans":1661,"direction":1034},"Optionen zum Forward-Darlehen",[],"text_block$77e2e37c-61d6-4b7f-a935-db3ee9a6eb20",{"variation":1385,"version":1386,"items":1664,"primary":1665,"id":1823,"slice_type":1824,"slice_label":5},[],{"title":1666,"table":1667},"Forward-Darlehen und die 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mit Zinsbindung bis 60 Monate im Voraus ",[],{"key":1726,"type":1713,"content":1727},"448a8370-67e0-49af-9b5f-bfdbb6017f87",[1728],{"type":1031,"text":1729,"spans":1730,"direction":1034},"Zinssicherheit, Planung, keine Doppelbelastung ",[],{"key":1732,"type":1713,"content":1733},"42e5c067-d020-4438-b911-6f7b9a5502d7",[1734],{"type":1031,"text":1735,"spans":1736,"direction":1034},"Vertrag gilt auch bei fallenden Zinsen ",[],{"key":1738,"cells":1739},"0a1b5761-7113-4858-95f1-ba4a3c2243c2",[1740,1747,1753,1759],{"key":1741,"type":1713,"content":1742},"b8ebc1b5-9c4a-4c46-a93f-a3447890da57",[1743],{"type":1031,"text":1744,"spans":1745,"direction":1034},"Prolongation ",[1746],{"start":24,"end":1689,"type":1378},{"key":1748,"type":1713,"content":1749},"61e4d37e-9775-48e0-8130-14eff03e15b7",[1750],{"type":1031,"text":1751,"spans":1752,"direction":1034},"Verlängerung bei bisheriger Bank ",[],{"key":1754,"type":1713,"content":1755},"7dbafe50-567e-4b65-b7c6-90e3ac9b8fd0",[1756],{"type":1031,"text":1757,"spans":1758,"direction":1034},"Kein Aufwand ",[],{"key":1760,"type":1713,"content":1761},"13f811cf-acd0-4987-8e55-7e74a9ccddb3",[1762],{"type":1031,"text":1763,"spans":1764,"direction":1034},"Wenig Vertragsanpassung möglich. ",[],{"key":1766,"cells":1767},"19cb440e-bcf0-4c4d-8da3-e38918530237",[1768,1776,1782,1788],{"key":1769,"type":1713,"content":1770},"d190ba54-3c53-4741-8ba7-7a48695bc4a0",[1771],{"type":1031,"text":1772,"spans":1773,"direction":1034},"Umschuldung ",[1774],{"start":24,"end":1775,"type":1378},11,{"key":1777,"type":1713,"content":1778},"d195b284-981e-4630-ac49-0316e18c5d3e",[1779],{"type":1031,"text":1780,"spans":1781,"direction":1034},"Wechsel zu neuem Anbieter ",[],{"key":1783,"type":1713,"content":1784},"078cbbdd-1498-4e54-9ac5-8a38d52bb8df",[1785],{"type":1031,"text":1786,"spans":1787,"direction":1034},"Vermutlich bessere Konditionen  ",[],{"key":1789,"type":1713,"content":1790},"7a26c382-c4d9-448a-b117-ce9a78c57990",[1791],{"type":1031,"text":1792,"spans":1793,"direction":1034},"Neue Bonitätsprüfung könnte bei 55plus Kunden Probleme bereiten. ",[],{"key":1795,"cells":1796},"062fa4e2-105c-482f-92a9-b0ecf701317c",[1797,1805,1811,1817],{"key":1798,"type":1713,"content":1799},"31ad848f-2212-407c-ac4e-6339359eddd9",[1800],{"type":1031,"text":1801,"spans":1802,"direction":1034},"Variabler Zins  ",[1803],{"start":24,"end":1804,"type":1378},15,{"key":1806,"type":1713,"content":1807},"57a5a6aa-84d0-40d7-b099-a85989398be0",[1808],{"type":1031,"text":1809,"spans":1810,"direction":1034},"Zins ohne Festschreibung, kann sich jederzeit ändern  ",[],{"key":1812,"type":1713,"content":1813},"054f9df3-4795-47c2-9c65-04cd4b5fb1f6",[1814],{"type":1031,"text":1815,"spans":1816,"direction":1034},"Chance auf sinkende Zinsen ",[],{"key":1818,"type":1713,"content":1819},"f411f563-64b5-4889-b847-dbb2c457d0fc",[1820],{"type":1031,"text":1821,"spans":1822,"direction":1034},"Risiko bei steigenden Zinsen: höherer Zins als bei Zinsfestschreibung ",[],"basic_table$f244b344-d7ea-4cf7-98d8-e5865ebc69e0","basic_table",{"variation":1385,"version":1386,"items":1826,"primary":1827,"id":1894,"slice_type":1476,"slice_label":5},[],{"text":1828,"chart_alt":5},[1829,1834,1836,1839,1842,1845,1848,1850,1853,1856,1858,1861,1864,1867,1872,1875,1878,1881,1885,1888,1891],{"type":1031,"text":1830,"spans":1831,"direction":1034},"Empfehlung von FMH.de: \nEs ist schwierig, die Zinsentwicklung für mehrere Jahre im Voraus einzuschätzen. Daher liegt der ideale Zeitraum aktuell für ein Forward-Darlehen nach unserer Einschätzung bei maximal 30 Monate Vorlaufzeit. Man muss sich eben immer bewusst machen, dass es weltpolitische Veränderungen geben kann, die unerwartete Zinsausschläge, in die eine oder andere Richtung auslösen. ",[1832],{"start":24,"end":1833,"type":1378},22,{"type":1031,"text":1414,"spans":1835,"direction":1034},[],{"type":1391,"text":1837,"spans":1838,"direction":1034},"Bank oder Vermittler – wer bietet das beste Forward-Darlehen? ",[],{"type":1031,"text":1840,"spans":1841,"direction":1034},"Jeder Baufinanzierungskunde sollte rechtzeitig (bis zu fünf Jahre vor Ende der Zinsfestschreibung) bei seinem Kreditgeber vorsprechen und sich nach dessen Bedingungen für ein Forward-Darlehen erkundigen. Der Vorteil eines solchen Vorgehens: Die Hausbank kann in den hausinternen Vorgang schauen und in Echtzeit die gewünschten Informationen produzieren. Der Nachteil: Die eigene Bank liefert im Normalfall nicht unbedingt die Spitzenkonditionen für eine vorgezogene Anschlussfinanzierung. ",[],{"type":1031,"text":1843,"spans":1844,"direction":1034},"Dennoch lohnt dieses Vorgehen. Denn nun hat der Kunde (oder die Kundin) zumindest schon einen Orientierungswert und kann die Offerten anderen Anbieter damit vergleichen. ",[],{"type":1031,"text":1846,"spans":1847,"direction":1034},"Dabei sind Immobilienbesitzer keineswegs auf Banken beschränkt. Auch Baufinanzierungsvermittler sind eine hervorragende Anlaufstelle, da sie mit einer großen Anzahl von Banken zusammenarbeiten und damit einen hervorragenden Marktüberblick haben, wer für welche Vorlaufzeiten die besten Konditionen bietet. ",[],{"type":1031,"text":1414,"spans":1849,"direction":1034},[],{"type":1528,"text":1851,"spans":1852,"direction":1034},"So unterstützt Sie die KI (Künstliche Intelligenz) bei der Wahl des passenden Vermittlers ",[],{"type":1031,"text":1854,"spans":1855,"direction":1034},"Wer den passenden Baufinanzierungsvermittler für die eigene Anschlussfinanzierung sucht, kann über KI nach den besten Angeboten suchen: Dafür geben Interessenten einfach nur ein „bester Vermittler, Forward-Darlehen und den Ort“. Wichtig ist es zudem, nach Möglichkeit Vermittler zu fragen, die von der Redaktion des Handelsblatts in Zusammenarbeit mit  FMH.de als besonders kundenorientiert ausgezeichnet wurden.  ",[],{"type":1031,"text":1414,"spans":1857,"direction":1034},[],{"type":1528,"text":1859,"spans":1860,"direction":1034},"Unterschiede von Bank und Vermittler ",[],{"type":1031,"text":1862,"spans":1863,"direction":1034},"Pauschal lässt sich diese Frage, wer das beste Forward-Darlehen anbetet, kaum beantworten, zumal Baufinanzierungsvermittler ihre Kunden an Banken vermitteln. Es geht bei dieser Überlegung mehr um die Zahl der möglichen Angebote, die Dienstleistung des Vermittlers und die Betreuung.  ",[],{"type":1031,"text":1865,"spans":1866,"direction":1034},"Grundsätzlich aber haben beide Varianten ihren Charme. ",[],{"type":1031,"text":1868,"spans":1869,"direction":1034},"Banken ",[1870],{"start":24,"end":1871,"type":1378},6,{"type":1420,"text":1873,"spans":1874,"direction":1034},"Bieten Forward-Darlehen selten aktiv und mit langer Vorlaufzeit an.  ",[],{"type":1420,"text":1876,"spans":1877,"direction":1034},"Bestandskunden erhalten Forward-Darlehen mit extrem wenig Aufwand, ",[],{"type":1420,"text":1879,"spans":1880,"direction":1034},"Bieten leider bei der ersten Anfrage selten die besten Zinsen.  ",[],{"type":1031,"text":1882,"spans":1883,"direction":1034},"Unabhängige Vermittler ",[1884],{"start":24,"end":1833,"type":1378},{"type":1420,"text":1886,"spans":1887,"direction":1034},"Professionelle Vermittler wissen, welche Bank oder Versicherungen welche Vorlaufzeit (Forward-Periode) anbietet – und wo es die besten Konditionen gibt.  ",[],{"type":1420,"text":1889,"spans":1890,"direction":1034},"Vermittler pflegen oft auch gute Kontakte zur Hausbank des Kunden und können die Abwicklung des alten Vertrages dort unterstützen. ",[],{"type":1420,"text":1892,"spans":1893,"direction":1034},"Forward-Darlehen sind ein relativ beliebtes Geschäft, da sich die Vorgänge digital abwickeln lassen und die Kunden bei den Geldgebern gern gesehen sind. ",[],"text_block$2a5ef3ad-61b3-4a3d-b656-263f586f015c",{"variation":1385,"version":1386,"items":1896,"primary":1897,"id":1923,"slice_type":1924,"slice_label":5},[],{"title":1898,"is_ad":45,"image":1899,"text":1906,"person_description":1910,"button_link":1921,"button_umami_event":5},"Wie Sie steigende Bauzinsen ausschließen",{"dimensions":1900,"alt":1902,"copyright":5,"url":1903,"id":1904,"edit":1905},{"width":1901,"height":1901},1000,"Max Herbst: Experte für Baufinanzierung und Zinsentwicklung","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQNRo7pReVYa31Yy_max-02.png?auto=format,compress","aQNRo7pReVYa31Yy",{"x":24,"y":24,"zoom":25,"background":26},[1907],{"type":1031,"text":1908,"spans":1909,"direction":1034},"\"Forward-Darlehen sind – provokant formuliert – ein Vertrag gegen Zinsangst. Viele Kreditnehmer mit Zinsen von ein bis zwei Prozent stehen in einigen Jahren vor dem Problem, einen neuen Vertrag zu unterschreiben. Aktuell wären dies Zinsen meist von über vier Prozent, in einigen Jahren könnten es auch mehr sein. Mit einem Forward-Darlehen unterschreiben Sie heute schon den Vertrag, der in einigen Jahr in Kraft tritt und Sie wissen, was Ihr Baudarlehen kosten wird. Viele können damit besser schlafen. Aber es gibt keine Garantie auf steigende Bauzinsen.\"",[],[1911],{"type":1031,"text":1912,"spans":1913,"direction":1034},"Max Herbst, Experte für Baufinanzierung und Zinsentwicklung",[1914,1916,1919],{"start":24,"end":1915,"type":1378},10,{"start":1917,"end":1918,"type":1378},24,40,{"start":1424,"end":1920,"type":1378},59,{"link_type":1922},"Any","expert_box$c515f33e-be17-4a95-9526-4eab081a53b6","expert_box",{"variation":1385,"version":1386,"items":1926,"primary":1927,"id":1955,"slice_type":1956,"slice_label":5},[],{"heading":1928,"title":1929,"text":1930,"image":1943,"rounded_image":1346,"button_link":1951},"Von FMH-Finanzberatung und ntv ausgezeichnet","Die besten Forward-Darlehen 2026",[1931,1934,1937,1940],{"type":1031,"text":1932,"spans":1933,"direction":1034},"Welche Forward-Darlehen wurden zuletzt ausgezeichnet?",[],{"type":1031,"text":1935,"spans":1936,"direction":1034},"Die Zinsentwicklung bleibt unberechenbar, und damit steigt die Unsicherheit vieler Immobilienbesitzer. Lohnt sich ein Forward-Darlehen, um sich heutige Konditionen zu sichern? Die FMH-Finanzberatung hat im Auftrag von ntv analysiert, welche Banken 2026 die besten Angebote für Forward-Darlehen machen.",[],{"type":1031,"text":1938,"spans":1939,"direction":1034},"Top 3 - Anbieter bei 10 Jahre Sollzinsbindung waren: Sparda-Bank West, DEVK und BBBank (bundesweit); PSD Bank RheinNeckarSaar, Hamburger Sparkasse und PSD Bank Nord (regional)",[],{"type":1031,"text":1941,"spans":1942,"direction":1034},"Top 3 - Anbieter bei 15 Jahre Sollzinsbindung waren: Sparda-Bank West, DEVK und Allianz (bundesweit); Hamburger Sparkasse, PSD Bank Nord und PSD Bank Rhein-Ruhr (regional)",[],{"dimensions":1944,"alt":1947,"copyright":5,"url":1948,"id":1949,"edit":1950},{"width":1945,"height":1946},438,589,"Siegel Platzhalter","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQDeQrpReVYa3wls_AuszeichnungSiegelPokal.png?auto=format,compress","aQDeQrpReVYa3wls",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":49,"key":1952,"url":1953,"target":52,"text":1954},"4fcc6d58-d792-47f4-b814-91ce3fdc85e5","https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-forward-darlehen-ntv","Auswertung ansehen","award_box$e8fc51da-9917-4a5a-b945-becf36a88502","award_box",{"variation":1385,"version":1386,"items":1958,"primary":1959,"id":2052,"slice_type":67,"slice_label":5},[],{"title":1960,"center_title":45,"border":1346,"open_close_icon":1961,"max_width":1962,"list":1963},"Häufig gestellte Fragen zum Forward-Darlehen","Caret","none",[1964,2022,2028,2034,2040,2046],{"question":1965,"answer":1966},"Was ist ein Forward-Darlehen?",[1967,1978,1982,1986,1989,1994,1997,2001,2004,2007,2010,2013,2016],{"type":1031,"text":1968,"spans":1969,"direction":1034},"Ein Forward-Darlehen ist eine spezielle Form der Anschlussfinanzierung. Sie erlaubt es, bereits heute einen Kreditvertrag für die Zukunft abzuschließen. Die maximale Vorlaufzeit beträgt 60 Monate. \nWährend dieser Zeit garantiert die Bank Ihnen den vereinbarten Zinssatz – und zwar bis zum tatsächlichen Starttermin Ihrer Anschlussfinanzierung. Dafür zahlen Sie einen Forward-Aufschlag, quasi als Versicherung gegen steigende Zinsen. ",[1970,1971,1972,1975],{"start":1505,"end":1506,"type":1378},{"start":1508,"end":1509,"type":1378},{"start":1973,"end":1974,"type":1378},186,195,{"start":1976,"end":1977,"type":1378},367,384,{"type":1031,"text":1979,"spans":1980,"direction":1034},"Begriffe und Funktionsweise kurz erklärt",[1981],{"start":24,"end":1918,"type":1378},{"type":1031,"text":1983,"spans":1984,"direction":1034},"Forward-Periode ",[1985],{"start":24,"end":1804,"type":1378},{"type":1031,"text":1987,"spans":1988,"direction":1034},"Zeitraum zwischen Vertragsabschluss und Abwicklung des Altvertrages; auch Vorlaufzeit genannt.  ",[],{"type":1031,"text":1990,"spans":1991,"direction":1034},"Forward-Aufschlag ",[1992],{"start":24,"end":1993,"type":1378},17,{"type":1031,"text":1995,"spans":1996,"direction":1034},"Zinsaufschlag pro Vorlaufmonat (ca. 0,01 – 0,03 Prozent) ",[],{"type":1031,"text":1998,"spans":1999,"direction":1034},"Zinsbindung ",[2000],{"start":24,"end":1775,"type":1378},{"type":1031,"text":2002,"spans":2003,"direction":1034},"Gemeint ist der Zeitraum der Zinsfestschreibung ohne Einbeziehung der Vorlaufzeit.  ",[],{"type":1031,"text":1744,"spans":2005,"direction":1034},[2006],{"start":24,"end":1689,"type":1378},{"type":1031,"text":2008,"spans":2009,"direction":1034},"Anschlussfinanzierung bei der bisherigen Bank.",[],{"type":1031,"text":1772,"spans":2011,"direction":1034},[2012],{"start":24,"end":1775,"type":1378},{"type":1031,"text":2014,"spans":2015,"direction":1034},"Wechsel der Bank, den Kunden meist vollziehen, um bessere Konditionen zu erhalten.",[],{"type":1031,"text":2017,"spans":2018,"direction":1034},"Forward-Darlehen sind ein Instrument, um Zinssicherung und Planbarkeit zu erreichen. Ein Abschluss ist besonders sinnvoll, wenn das allgemeine Zinsniveau niedrig ist oder steigende Renditen bei der Bundesanleihe zu erwarten sind. ",[2019],{"start":2020,"end":2021,"type":1378},26,83,{"question":2023,"answer":2024},"Wann lohnt sich ein Forward-Darlehen?",[2025],{"type":1031,"text":2026,"spans":2027,"direction":1034},"Wenn Ihre aktuelle Zinsbindung in sechs bis 60 Monaten endet und Sie davon ausgehen, dass die Bauzinsen in dieser Zeit steigen werden.",[],{"question":2029,"answer":2030},"Was kostet ein Forward-Darlehen?",[2031],{"type":1031,"text":2032,"spans":2033,"direction":1034},"Je nach Vorlaufzeit fallen 0,01 – 0,03 Prozentpunkte Zinsaufschlag pro Monat an. Bei 24 Monaten kommen Kunden damit auf 0,24 – 0,72 Prozentpunkte. Bei einem Darlehensbetrag von 200 000 Euro erhöht dies die monatliche Rate um 40 bis 120 Euro.",[],{"question":2035,"answer":2036},"Wann ist der beste Zeitpunkt für den Abschluss eines Forward-Darlehens?",[2037],{"type":1031,"text":2038,"spans":2039,"direction":1034},"Das lässt sich so allgemein nicht beantworten, weil der passende Termin vom jeweiligen Zinsniveau abhängt. Und von der Erwartung an die Zinsentwicklung. Darüber hinaus können auch persönliche Einkommensentwicklungen den Zeitpunkt beeinflussen. Wann ein Kunde ein Forward-Darlehen abschließen sollte, ist daher eine sehr persönliche Entscheidung.",[],{"question":2041,"answer":2042},"Kann ich den Anbieter wechseln?",[2043],{"type":1031,"text":2044,"spans":2045,"direction":1034},"Wenn Sie über ein Forward-Darlehen nachdenken, sollten Sie in jedem Fall bei verschiedenen Banken und auch Baufinanzierungsvermittlern nachfragen. Die Sorge, dass der Wechsel zu einem neuen Anbieter mühsam ist, erweist sich meist als unbegründet. Die neue Bank nimmt mit dem bisherigen Geldgeber Kontakt auf und regelt die Abwicklung relativ unproblematisch.",[],{"question":2047,"answer":2048},"Was ist eine Nichtabnahmeentschädigung mit Blick auf Forward-Darlehen?",[2049],{"type":1031,"text":2050,"spans":2051,"direction":1034},"Die Nichtabnahmeentschädigung ist eine Art Vorfälligkeitsentschädigung. Nur dass in diesem Fall das Darlehen eben nicht zu früh zurückgezahlt wurde, sondern der Kunde es gar nicht in Anspruch nimmt. Zudem hat der Bundesgerichtshof (BGH) mehrfach entschieden, dass eine Bank die Kündigung ablehnen oder die Nichtannahmeentschädigung sehr hoch ansetzen darf, wenn die Kündigung wegen niedriger Zinsen bei einer anderen Bank erfolgt, und daher ein Kunde sein Forward-Darlehen nicht nutzen will. Man sollte sich die Unterschrift unter einen Forward-Vertrag daher sehr gut überlegen.",[],"faq$4b1c18b4-0c2c-40d5-8d2c-c8779861d50a",{"variation":1385,"version":1386,"items":2054,"primary":2055,"id":2080,"slice_type":1476,"slice_label":5},[],{"text":2056,"chart_alt":5},[2057,2060,2068,2071,2074,2077],{"type":1391,"text":2058,"spans":2059,"direction":1034},"Fazit: Sicherheit durch Planung ",[],{"type":1031,"text":2061,"spans":2062,"direction":1034},"Ein Forward-Darlehen ist kein Spekulationsprodukt, sondern eine strategische Absicherung. Wer steigende Zinsen erwartet, kann mit einem frühzeitig geschlossenen Vertrag mehrere Tausend Euro sparen und die Finanzierung langfristig stabil halten. Es kann aber auch passieren, dass sich die Zinsen nicht wie erwartet entwickeln. Deshalb sollte auch die Forward-Periode nicht allzu lange sein. ",[2063,2065],{"start":2064,"end":1508,"type":1378},25,{"start":2066,"end":2067,"type":1378},64,88,{"type":1031,"text":2069,"spans":2070,"direction":1034},"Trotz aller Risiken ist ein Forward-Darlehen für viele Immobilieneigentümer zu empfehlen, auch und gerade wegen dieser Vorteile: ",[],{"type":1420,"text":2072,"spans":2073,"direction":1034},"Zinsen lassen sich für bis zu fünf Jahre im Voraus sichern ",[],{"type":1420,"text":2075,"spans":2076,"direction":1034},"Kunden müssen sich nach der Unterschrift keine Gedanken mehr um die Zinsentwicklung machen. ",[],{"type":1420,"text":2078,"spans":2079,"direction":1034},"Anschlussfinanzierer sind begehrte Kunden bei den Banken. 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Und damit ist niemandem geholfen – am allerwenigsten jenen, die gerade über einen Hauskauf oder eine Umschuldung nachdenken. Vielleicht ist es ja wirklich so, dass sich schlechte Nachrichten besonders gut verkaufen.",[],{"type":1031,"text":2685,"spans":2686,"direction":1034},"Anders ist diese Art der Berichterstattung jedenfalls nicht zu erklären.",[],{"type":1031,"text":2688,"spans":2689,"direction":1034},"Ich verstehe es ja, dass die großen Vermittlerorganisationen und auch Bankvorstände nicht ohne weiteres sagen können: Liebe Leute, wartet ab, in ein paar Wochen werden wir wieder niedrigere Zinsen haben. Denn das würde das (aktuelle ohnehin schleppende Geschäft) erst recht abwürgen.",[],{"type":1031,"text":2691,"spans":2692,"direction":1034},"Die Fakten rechtfertigen es aber nicht, die Furcht vor steigenden Bauzinsen hochzuhalten.",[],{"type":1528,"text":2694,"spans":2695,"direction":1034},"Deutschland erholt sich",[],{"type":1031,"text":2697,"spans":2698,"direction":1034},"Die Höhe der Bauzinsen in Deutschland hängt stark von der Rendite der Bundesanleihe ab. Hohe Renditen lassen die Bauzinsen steigen, niedrige Renditen lassen sie sinken.",[],{"type":1031,"text":2700,"spans":2701,"direction":1034},"Doch während die Staatspapiere eine Weile lang immer höhere Erträge brachten, sinken die Renditen inzwischen wieder. Erzielte man im Ende September noch eine Rendite von 3,64 Prozent sind es aktuell nur noch 3,38 Prozent. Dennoch schreibt die Presse weiterhin von steigenden Bauzinsen.",[],"text_block$c697c8c4-d01f-4222-a093-a26341baf3dd",{"variation":1385,"version":1386,"items":2704,"primary":2705,"id":2905,"slice_type":1824,"slice_label":5},[],{"title":2706,"table":2707},"So stehen die G7-Staaten ökonomisch dar",{"body":2708},{"rows":2709},[2710,2735,2756,2777,2798,2819,2840,2861,2882],{"key":2711,"cells":2712},"7bc77a84-c231-44b9-a1be-d1a92150174c",[2713,2720,2728],{"key":2714,"type":1713,"content":2715},"f4095a2c-3bd2-4e99-bb92-c139290e403a",[2716],{"type":1031,"text":2717,"spans":2718,"direction":1034},"Staat",[2719],{"start":24,"end":1412,"type":1378},{"key":2721,"type":1713,"content":2722},"f9cf1a0d-cc9e-45a2-9473-0cc0633e9d97",[2723],{"type":1031,"text":2724,"spans":2725,"direction":1034},"Rendite 10-jährige Staatsanleihe",[2726],{"start":24,"end":2727,"type":1378},32,{"key":2729,"type":1713,"content":2730},"0b75f6ac-a318-4f7b-81cc-4780e935dc4a",[2731],{"type":1031,"text":2732,"spans":2733,"direction":1034},"Bruttostaatsschulden",[2734],{"start":24,"end":1506,"type":1378},{"key":2736,"cells":2737},"e54758fe-f2c3-4e46-b854-88f8aff53c72",[2738,2744,2750],{"key":2739,"type":1713,"content":2740},"670eab8f-1063-4029-b5a3-45acd7f59b90",[2741],{"type":1031,"text":2742,"spans":2743,"direction":1034},"Deutschland",[],{"key":2745,"type":1713,"content":2746},"ee6d1b32-e986-44af-af28-f7ec2091879d",[2747],{"type":1031,"text":2748,"spans":2749,"direction":1034},"3,40 Prozent",[],{"key":2751,"type":1713,"content":2752},"41854fc6-0016-4464-8b40-ef7a6ae3876f",[2753],{"type":1031,"text":2754,"spans":2755,"direction":1034},"62,7 Prozent des BIP",[],{"key":2757,"cells":2758},"08078b28-0fcd-4f5d-b745-aa0e68c3a66c",[2759,2765,2771],{"key":2760,"type":1713,"content":2761},"f1991c58-c907-4491-8f01-4fd72c316e20",[2762],{"type":1031,"text":2763,"spans":2764,"direction":1034},"Frankreich",[],{"key":2766,"type":1713,"content":2767},"26c4c9ba-8213-48e8-b4ef-0489fa8a0f9a",[2768],{"type":1031,"text":2769,"spans":2770,"direction":1034},"5,05 Prozent",[],{"key":2772,"type":1713,"content":2773},"02428c84-735e-4652-87cc-e215cb900c65",[2774],{"type":1031,"text":2775,"spans":2776,"direction":1034},"115,5 Prozent des BIP",[],{"key":2778,"cells":2779},"372e2450-f6ab-42e6-8f2c-cd4bb11e4d4c",[2780,2786,2792],{"key":2781,"type":1713,"content":2782},"7a78aeb9-9175-4a00-89e2-897bdc75b4e8",[2783],{"type":1031,"text":2784,"spans":2785,"direction":1034},"Italien",[],{"key":2787,"type":1713,"content":2788},"14d9e97a-fe41-474c-a07c-78559c57de04",[2789],{"type":1031,"text":2790,"spans":2791,"direction":1034},"4,63 Prozent",[],{"key":2793,"type":1713,"content":2794},"c4d04aed-f84a-4f06-96fb-971b8a87937d",[2795],{"type":1031,"text":2796,"spans":2797,"direction":1034},"137,1 Prozent des BIP",[],{"key":2799,"cells":2800},"680b84fc-3cc3-40ee-b2a0-ec11fd652bb3",[2801,2807,2813],{"key":2802,"type":1713,"content":2803},"e0c78773-dc4d-40e4-8ef6-9fcde6b10671",[2804],{"type":1031,"text":2805,"spans":2806,"direction":1034},"Japan",[],{"key":2808,"type":1713,"content":2809},"8a163f4e-bd60-48fe-a4c0-d2fb220d6bea",[2810],{"type":1031,"text":2811,"spans":2812,"direction":1034},"2,86 Prozent",[],{"key":2814,"type":1713,"content":2815},"c6a73899-4405-4344-a6a9-540fde75e992",[2816],{"type":1031,"text":2817,"spans":2818,"direction":1034},"213,6 Prozent des BIP",[],{"key":2820,"cells":2821},"51e549ba-18e3-4177-9fe0-19dccdd6c65c",[2822,2828,2834],{"key":2823,"type":1713,"content":2824},"04911327-7140-42ff-8402-3975688fc93a",[2825],{"type":1031,"text":2826,"spans":2827,"direction":1034},"Kanada",[],{"key":2829,"type":1713,"content":2830},"bfdea7d6-e332-4b51-b3f2-a15a00f10dc5",[2831],{"type":1031,"text":2832,"spans":2833,"direction":1034},"3,79 Prozent",[],{"key":2835,"type":1713,"content":2836},"910a1998-7fad-4198-9ad5-c22dfc01bb0f",[2837],{"type":1031,"text":2838,"spans":2839,"direction":1034},"110,8 Prozent des BIP",[],{"key":2841,"cells":2842},"6e91976e-587e-484c-89ca-031a2e12e9a0",[2843,2849,2855],{"key":2844,"type":1713,"content":2845},"02a415bb-1d4d-4288-bcb2-3d017ebcc6f1",[2846],{"type":1031,"text":2847,"spans":2848,"direction":1034},"Vereinigtes Königreich",[],{"key":2850,"type":1713,"content":2851},"692afcfa-b6ba-4ba5-9697-bd5b708f7dc5",[2852],{"type":1031,"text":2853,"spans":2854,"direction":1034},"5,39 Prozent",[],{"key":2856,"type":1713,"content":2857},"dcca8ec5-0fa0-4c11-9325-b3bb80ac0018",[2858],{"type":1031,"text":2859,"spans":2860,"direction":1034},"102,1 Prozent des BIP",[],{"key":2862,"cells":2863},"3227faa2-5dc8-46ff-84cd-5b39157d8f6a",[2864,2870,2876],{"key":2865,"type":1713,"content":2866},"5cb147df-0c77-4da6-bb87-5a31a77091c7",[2867],{"type":1031,"text":2868,"spans":2869,"direction":1034},"USA",[],{"key":2871,"type":1713,"content":2872},"f8b6b80a-7400-4318-9916-6ea25f032349",[2873],{"type":1031,"text":2874,"spans":2875,"direction":1034},"5,08 Prozent",[],{"key":2877,"type":1713,"content":2878},"386da6a0-aeeb-41b2-9ae9-2f137c9d630d",[2879],{"type":1031,"text":2880,"spans":2881,"direction":1034},"124,4 Prozent des BIP",[],{"key":2883,"cells":2884},"d94271c4-0fcc-48b5-a42d-d67bc6eb9b15",[2885,2895,2900],{"key":2886,"type":1713,"content":2887},"da2db929-bccc-4639-9903-e4fdab472ba6",[2888],{"type":1031,"text":2889,"spans":2890,"direction":1034},"Quelle: IWF \u002F imf.org",[2891],{"start":1697,"end":2892,"type":1374,"data":2893},21,{"link_type":49,"url":2894,"target":52},"https:\u002F\u002Fwww.imf.org\u002Fen\u002Fhome",{"key":2896,"type":1713,"content":2897},"d0aef61c-477c-451d-ae2b-23d1e4f20fe6",[2898],{"type":1031,"text":1414,"spans":2899,"direction":1034},[],{"key":2901,"type":1713,"content":2902},"5b927069-d7b8-4efd-8018-21477969133e",[2903],{"type":1031,"text":1414,"spans":2904,"direction":1034},[],"basic_table$7b2df62c-06bd-456f-b258-8b27d0a85781",{"variation":1385,"version":1386,"items":2907,"primary":2908,"id":2974,"slice_type":1476,"slice_label":5},[],{"text":2909,"chart_alt":2973},[2910,2913,2916,2924,2927,2930,2933,2936,2939,2947,2950,2952,2956,2958,2971],{"type":1031,"text":2911,"spans":2912,"direction":1034},"Seriöse Prognosen müssen davon ausgehen, dass auch die Bauzinsen in nächster Zeit wieder sinken werden. Die Trendwende hat sogar bereits begonnen. ",[],{"type":1031,"text":2914,"spans":2915,"direction":1034},"Lag der durchschnittliche FMH-Index Bauzinsen Anfang Oktober noch bei 4,64 Prozent, sind wir heute bereits bei 4,46 Prozent - und ich halte es für durchaus wahrscheinlich, dass wir auf absehbare Zeit wieder 4,35 Prozent oder weniger sehen werden. ",[],{"type":1031,"text":2917,"spans":2918,"direction":1034},"Die Ursache dieser Entwicklung liegt in der Überlegung von Investoren, die Staatsanleihen kaufen wollen. Deutschland hat im Vergleich zu anderen großen Staaten eine relativ geringe Staatsverschuldung. Auch die Wirtschaftsprognosen sehen wieder deutlich erfreulicher aus, als noch im Frühjahr. All das – und die positiven Erfahrungen, die Investoren während anderer Krisen gemacht haben, machen deutsche Staatsanleihen wieder attraktiver. Die Nachfrage steigt – und die Renditen sinken.",[2919],{"start":2920,"end":2921,"type":1374,"data":2922},201,292,{"link_type":49,"url":2923,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fwirtschaft\u002FDIW-hebt-Wachstumsprognose-fuer-deutsche-Wirtschaft-deutlich-an-id31261289.html",{"type":1031,"text":2925,"spans":2926,"direction":1034},"Zur Erinnerung. Als die griechische Staatsschuldenkrise die EU fest im Griff hatte, profitierte Deutschland als Ankerstaat, während viele andere Staaten stark unter dem schwindenden Vertrauen der Investoren gelitten haben. ",[],{"type":1031,"text":2928,"spans":2929,"direction":1034},"Auch in der momentanen Situation könnte Deutschland wieder der Einäugige unter den Blinden sein. ",[],{"type":1528,"text":2931,"spans":2932,"direction":1034},"Veränderte Rahmenbedingungen führen zu angepassten Prognosen",[],{"type":1031,"text":2934,"spans":2935,"direction":1034},"Zugegeben. Auch ich bin habe die Bauzinsen vor einigen Wochen noch auf dem Weg Richtung fünf Prozent gesehen und nicht mehr, wie jetzt, auf 3,5 Prozent gehofft. Seitdem ist das Vertrauen in den deutschen Staat aber wieder gewachsen. Und die anderen G7 Länder haben aktuell deutlich größere Probleme mit ihrer Staatsverschuldung.",[],{"type":1031,"text":2937,"spans":2938,"direction":1034},"Hinzu kommt, dass an den Finanzmärkten die Sorge vor einer KI-Blase wächst. Wenn man bedenkt, dass die fünf größten Tech-Unternehmen in 2027 etwa 1,3 Billionen Dollar investieren wollen, können schön Zweifel aufkommen, ob ein solches Volumen noch gesund ist. Auch das könnte den einen oder anderen Großinvestor dazu bewegen, lieber wieder die sichere deutsche Bundesanleihe zu kaufen als wesentlich riskantere Unternehmensanleihen.",[],{"type":1031,"text":2940,"spans":2941,"direction":1034},"Angesichts dieser neuen Rahmenbedingungen ist es an der Zeit, die veralteten Prognosen zu korrigieren. Ich habe dazu Thomas Ruf, den Geschäftsführer von Freie Finanzierer München gefragt, wie er die Zinsentwicklung einschätzt. Seine Aussage: „Nicht nur, weil ich an einem den teuersten Immobilienmarktplätze der Republik arbeite, seit einigen Wochen ist der Immobilienmarkt München ins Stocken geraten und es bleibt die Hoffnung, dass schon stagnierende Zinsen die Nachfrage wieder etwas ansteigen lassen.“ ",[2942],{"start":2943,"end":2944,"type":1374,"data":2945},117,127,{"link_type":49,"url":2946,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fvermittler\u002Fthomas-ruf",{"type":1031,"text":2948,"spans":2949,"direction":1034},"Diese Einschätzung teilen auch wir bei der FMH und gehen aktuell davon aus, dass wir die Spitze der Bauzinsen erstmal erreicht haben und in den kommen Wochen sogar mit weiter leicht fallenden Werten rechnen können. ",[],{"type":1031,"text":1414,"spans":2951,"direction":1034},[],{"type":1573,"oembed":2953},{"embed_url":2954,"type":1576,"version":1577,"provider_name":1578,"thumbnail_url":2954,"html":2955,"url":2954},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F09fb1a5c-f759-4ac7-a954-f7636655aa8f\u002F","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F09fb1a5c-f759-4ac7-a954-f7636655aa8f\u002F\">\u003C\u002Fdiv>",{"type":1031,"text":1414,"spans":2957,"direction":1034},[],{"type":1031,"text":2959,"spans":2960,"direction":1034},"Bereit für einen neuen Anlauf bei der Immobiliensuche? Planen Sie dafür etwa vier bis sechs Monate ein. Einen Überblick über günstige Bauzinsen bekommen Sie schon jetzt mit unserem Bauzinsvergleich. Sie möchten Ihre Finanzierung lieber persönlich besprechen? Wir helfen Ihnen gerne, einen ausgezeichneten Baufinanzierungsvermittler zu finden.",[2961,2966],{"start":2962,"end":2963,"type":1374,"data":2964},181,197,{"id":558,"type":107,"tags":2965,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"start":2967,"end":2968,"type":1374,"data":2969},289,331,{"id":578,"type":579,"tags":2970,"lang":13,"slug":581,"first_publication_date":582,"last_publication_date":583,"url":584,"link_type":43,"isBroken":45},[],{"type":1031,"text":1414,"spans":2972,"direction":1034},[],"Bauzinsentwicklung für 10 Jahre fest","text_block$d5ca4c97-9500-42f5-ad68-a0cdb8bf1232","Bauzinsen sinken: Warum sich die Lage entspannt | FMH","Trotz alarmierender Schlagzeilen sinken die Bauzinsen. FMH erklärt die Hintergründe und zeigt, was für weiter fallende Zinsen spricht.",{"dimensions":2978,"alt":2664,"copyright":2665,"url":2981,"id":2667,"edit":2982},{"width":2979,"height":2980},2400,1260,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FPWBsBqYMCjnC_Dsc_Mehrere-Kraehne-Skyline.jpg?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":2983,"zoom":25,"background":26},85,{"id":2985,"uid":2636,"url":2986,"type":319,"href":2987,"tags":2988,"first_publication_date":2989,"last_publication_date":2990,"slugs":2991,"linked_documents":2993,"lang":13,"alternate_languages":2994,"data":2995},"aoxgjhEAAC4Am2M9","\u002Fartikel\u002Fstrategien-fuer-den-hauskauf-in-der-neuen-normalitaet","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aoxgjhEAAC4Am2M9%22%29+%5D%5D",[],"2026-08-24T15:49:37+0000","2026-08-25T07:53:34+0000",[2992],"2026-08-24",[],[],{"publication_date":2992,"last_edit_date":2992,"set_last_edit_date_today":45,"title":2996,"subtitle":2997,"breadcrumb_title":5,"topic":2998,"teaser":3001,"author":3005,"cover":3008,"cover_position":1366,"table_of_content":3015,"toc_calculator":1381,"toc_selection":1382,"carousel_topic_filter":3016,"slices":3019,"meta_title":3077,"meta_description":3078,"meta_image":3079,"meta_indexed":1346},"Die Bauzinsen steigen weiter: Strategien für den Hauskauf in der neuen Normalität","Auf deutlich niedrigere Bauzinsen zu warten, könnte sich als Fehler erweisen. Welche Strategie Kaufinteressenten jetzt verfolgen sollten.",{"id":1331,"type":1332,"tags":2999,"lang":13,"slug":94,"first_publication_date":1334,"last_publication_date":1335,"uid":94,"link_type":43,"key":3000,"isBroken":45},[],"2d679e0c-dc75-41f0-a6dd-9153ed1a3537",[3002],{"type":1031,"text":3003,"spans":3004,"direction":1034},"Mehr Inflation. Höhere Kosten für die deutsche Staatsverschuldung. Und jetzt auch noch steigende Zinsen für Baudarlehen. Für Immobilienkäufer ist das kein ideales Umfeld. Mit der richtigen Planung lassen sich die höheren Kosten aber abfedern.",[],{"id":1358,"type":1359,"tags":3006,"lang":13,"slug":1361,"first_publication_date":1362,"last_publication_date":1363,"uid":1361,"link_type":43,"key":3007,"isBroken":45},[],"12496f76-a6b9-48ca-b767-1b308703bc93",{"dimensions":3009,"alt":3010,"copyright":3011,"url":3012,"id":3013,"edit":3014},{"width":2128,"height":2129},"Kleines Modellhaus in einem Einkaufswagen vor rosa Hintergrund","NataKor, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FDvVbM3JggyNmx_mk_Modellhaus-in-Einkaufswagen.jpg?auto=format,compress","DvVbM3JggyNmx_mk",{"x":24,"y":24,"zoom":25,"background":26},"Never",{"id":1331,"type":1332,"tags":3017,"lang":13,"slug":94,"first_publication_date":1334,"last_publication_date":1335,"uid":94,"link_type":43,"key":3018,"isBroken":45},[],"23fbd898-f3a9-41f7-9e1a-753f1e158808",[3020],{"variation":1385,"version":1386,"items":3021,"primary":3022,"id":3076,"slice_type":1476,"slice_label":5},[],{"text":3023,"chart_alt":3075},[3024,3027,3030,3033,3036,3039,3046,3050,3053,3056,3059,3066,3069,3072],{"type":1031,"text":3025,"spans":3026,"direction":1034},"Es geht aufwärts – nur leider in den falschen Bereichen. Bestes Beispiel: die Preisentwicklung. Von den Rekordwerten aus dem Jahr 2022 sind wir zwar noch weit entfernt.  Damals schnellte die Inflation in Europa auf 7,5 Prozent und sendete Schockwellen durch Politik und Gesellschaft. Doch auch die aktuelle Teuerungsquote von 2,9 Prozent im Juli 2026 dürfte den Währungshütern schon wieder Sorgen bereiten.  ",[],{"type":1031,"text":3028,"spans":3029,"direction":1034},"Nach oben geht es auch bei den Arbeitslosenzahlen – und bei der Rendite der Bundesanleihe. Seit die FDP die Ampelkoalition gesprengt hat, das war im November 2024, ist der Wert der Staatsanleihen von 2,07 auf 3,26 Prozent gestiegen (Stand: 21.08.2026).  ",[],{"type":1031,"text":3031,"spans":3032,"direction":1034},"Diese Entwicklung zeigt deutlich, dass das Vertrauen in die Leistungsfähigkeit des deutschen Staates zunehmend erodiert.  Und wenn man sich die aktuelle politische Situation in Berlin, die schwächelnde Wirtschaft sowie die Prognosen für die anstehenden Landtagswahlen betrachtet, dann sehe ich kaum Gründe, warum dieses verlorengegangene Vertrauen auf absehbare Zeit wieder zurückkommen sollte. ",[],{"type":1031,"text":3034,"spans":3035,"direction":1034},"Hinzu kommt, dass die Europäische Zentralbank (EZB) bei ihrer nächsten Sitzung am 10. September 2026 vermutlich intensiv über eine weitere Leitzinserhöhung sprechen dürfte. Der Inflationsbekämpfung würde ein solcher Schritt helfen, der Wirtschaft eher nicht – und damit auch nicht der Rendite der deutschen Bundesanleihe. ",[],{"type":1031,"text":3037,"spans":3038,"direction":1034},"Für Immobilienkäufer sind das keine guten Nachrichten. Denn die Höhe der Bauzinsen orientiert sich in Deutschland stets an den Renditen der zehnjährigen Bundesanleihe. Entsprechend haben sich Hypothekendarlehen seit dem Ampel-Aus von 3,22 Prozent auf 4,13 Prozent verteuert.  Und eine Umkehr dieses Trends ist nicht in Sicht. ",[],{"type":1031,"text":3040,"spans":3041,"direction":1034},"Bereits im Ende 2025 habe ich vorhergesagt, dass die Zinsen in den kommenden zwölf Monaten auf Werte zwischen  4,0 und 4,5 Prozent steigen dürften. Aktuell sind wir bei etwa 4,15 Prozent.  ",[3042],{"start":3043,"end":1429,"type":1374,"data":3044},60,{"link_type":49,"url":3045,"target":52},"https:\u002F\u002Fwww.tagesschau.de\u002Fwirtschaft\u002Fverbraucher\u002Fbauzinsen-hypotheken-immobilien-kauf-100.html",{"type":1573,"oembed":3047},{"embed_url":3048,"type":1576,"version":1577,"provider_name":1578,"thumbnail_url":3048,"html":3049,"url":3048},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F305c20de-ee66-49bf-b7a9-aaa3b071c5ee\u002F","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F305c20de-ee66-49bf-b7a9-aaa3b071c5ee\u002F\">\u003C\u002Fdiv>",{"type":1031,"text":3051,"spans":3052,"direction":1034},"Zwar macht es derzeit Hoffnung, dass US-Präsident Trump – wieder einmal – eine Einigung im Irankrieg bzw. Stärke in Aussicht stellt. Doch selbst wenn er seinen Ankündigungen diesmal Taten folgen ließe, würde ein Ende des Konflikts die Rendite der Bundesanleihe nicht unmittelbar sinken lassen, sondern (wenn überhaupt) erst mit einiger Verspätung. Der Effekt auf die Bauzinsen dürfte noch länger auf sich warten lassen. ",[],{"type":1031,"text":3054,"spans":3055,"direction":1034},"Kaufinteressenten, die kurzfristig auf sinkende Bauzinsen hoffen und die Kaufentscheidung deshalb verschieben, könnte daher enttäuscht werden.  ",[],{"type":1031,"text":3057,"spans":3058,"direction":1034},"Unsere Ratschläge an alle potenziellen Erwerber lauten daher: ",[],{"type":1420,"text":3060,"spans":3061,"direction":1034},"Wer heute finanzieren kann, sollte heute finanzieren.  ",[3062],{"start":1373,"end":3063,"type":1374,"data":3064},52,{"id":558,"type":107,"tags":3065,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"type":1420,"text":3067,"spans":3068,"direction":1034},"Sinnvoll ist es allerdings, diese Finanzierung mit möglichst vielen flexible Faktoren auszustatten – also zum Beispiel die Option auf eine Veränderung der Tilgungsquote zu vereinbaren und Sondertilgungen einzuplanen.   ",[],{"type":1420,"text":3070,"spans":3071,"direction":1034},"Um die gestiegenen Zinsen etwas abzufedern, sollten alle, die es sich leisten können, zudem mit einer Tilgung von 1,5 Prozent der Darlehenssumme beginnen und diese Quote mit steigendem Einkommen gezielt und konsequent erhöhen. So schmelzen die Schulden schneller und der Zinsanteil sinkt. ",[],{"type":1420,"text":3073,"spans":3074,"direction":1034},"Da die Banken derzeit wieder streng auf eine Eigenkapitalquote von rund 20 Prozent (inklusive der Kaufnebenkosten) achten und gleichzeitig ein gutes Familiennettoeinkommen unterstellen, lohnt es sich, schon sehr früh versierte Baufinanzierungsvermittler zu kontaktieren. Sie haben die richtigen Bankkontakte und helfen, das Finanzierungsvorhaben erfolgreich umzusetzen.  ",[],"Bauzinsen 10 Jahre \u002F Inflation \u002F Bundesanleihe 10 Jahre. Inflation erreicht 2022 knapp 9 % und fällt danach; Bauzinsen und 10-jährige Bundesanleihe steigen bis 2026.","text_block$b7a72fd3-192e-46f3-8f9b-288428cbf793","Bauzinsen steigen: So sollten Immobilienkäufer jetzt planen","Die Bauzinsen steigen weiter. Erfahren Sie, warum eine schnelle Entscheidung sinnvoll sein kann und wie Tilgung, Eigenkapital und Flexibilität helfen.",{},{"id":3081,"uid":2637,"url":3082,"type":319,"href":3083,"tags":3084,"first_publication_date":3085,"last_publication_date":3086,"slugs":3087,"linked_documents":3089,"lang":13,"alternate_languages":3090,"data":3091},"aj5ZUREAACkAyikX","\u002Fartikel\u002Fdie-bauzinsen-sinken-wieder--doch-ist-das-schon-die-trendwende","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aj5ZUREAACkAyikX%22%29+%5D%5D",[],"2026-06-26T11:28:41+0000","2026-11-05T15:47:30+0000",[3088],"sinkende-bauzinsen--nur-ein-vorubergehendes-phanomen",[],[],{"publication_date":3092,"last_edit_date":3092,"set_last_edit_date_today":45,"title":3093,"subtitle":5,"breadcrumb_title":5,"topic":3094,"teaser":3097,"author":3104,"cover":3107,"cover_position":1366,"table_of_content":3116,"toc_calculator":1381,"toc_selection":2669,"carousel_topic_filter":3117,"slices":3118,"meta_title":3178,"meta_description":3179,"meta_image":3180,"meta_indexed":1346},"2026-06-26","Die Bauzinsen sinken wieder – doch ist das schon die Trendwende?",{"id":1331,"type":1332,"tags":3095,"lang":13,"slug":94,"first_publication_date":1334,"last_publication_date":1335,"uid":94,"link_type":43,"key":3096,"isBroken":45},[],"3d4ea8e3-01c3-45d2-8f48-fb5b85a4be4c",[3098],{"type":1031,"text":3099,"spans":3100,"direction":1034},"Die Wirtschaft schwächelt, große Reformen lassen (noch) auf sich warten. Und doch sinken die Renditen der Bundesanleihe – und mit ihnen die Zinsen für Immobiliendarlehen. Warum das so ist. Und was wir in der jüngeren Zukunft erwarten sollten.",[3101],{"start":24,"end":3102,"type":3103},242,"em",{"id":1358,"type":1359,"tags":3105,"lang":13,"slug":1361,"first_publication_date":1362,"last_publication_date":1363,"uid":1361,"link_type":43,"key":3106,"isBroken":45},[],"a66a6597-15d1-48f8-bb12-50c10ae4e53a",{"dimensions":3108,"alt":3111,"copyright":3112,"url":3113,"id":3114,"edit":3115},{"width":3109,"height":3110},1300,866,"Die Bauzinsen schmelzen dahin","KI generiert","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Faj5h3FbRV8_Qf6Zd_bauzinsen-schmelzen-dahin.jpg?auto=format,compress","aj5h3FbRV8_Qf6Zd",{"x":24,"y":24,"zoom":25,"background":26},"Always",{"link_type":43},[3119],{"variation":1385,"version":1386,"items":3120,"primary":3121,"id":3177,"slice_type":1476,"slice_label":5},[],{"text":3122,"chart_alt":5},[3123,3126,3129,3137,3140,3143,3146,3149,3152,3155,3158,3161,3164,3171,3174],{"type":1031,"text":3124,"spans":3125,"direction":1034},"Wer dieser Tage die Weltsituation betrachtet, muss leider erkennen: Alte Gewissheiten sind nur noch wenig wert – oder sie verkehren sich sogar ins Gegenteil. Dieser Befund lässt sich an zwei Beispielen eindrucksvoll illustrieren.",[],{"type":1420,"text":3127,"spans":3128,"direction":1034},"Obwohl der Irankonflikt nach wie vor schwelt, fällt der Preis für Super und Diesel weit unter den Wert, den wir vor der Sperrung der Meerenge von Hormus gesehen haben. Verstehen muss man das nicht.",[],{"type":1420,"text":3130,"spans":3131,"direction":1034},"Obwohl die Regierung bisher weitreichende Sozialreformen verschleppt, die Umstrukturierung der Rente auf eine Kommission auslagert und die deutsche Infrastruktur immer maroder wird, steigt das Vertrauen in den deutschen Staat: Die Rendite der zehn-jährigen Bundesanleihe ist vom 18.05. bis zum 25.06. von 3,17 auf 2,86 Prozent gesunken. Diese Entwicklung beweist, dass Investoren sich wieder mit niedrigeren Risikoaufschlägen zufriedengeben – und das, obwohl die Europäische Zentralbank (EZB) gerade die Leitzinsen erhöht hat, um der Inflation entgegenzuwirken. Auch das ist alles andere als logisch.",[3132],{"start":3133,"end":3134,"type":1374,"data":3135},231,270,{"link_type":49,"url":3136,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fzinsentwicklung",{"type":1391,"text":3138,"spans":3139,"direction":1034},"Sinkende Bauzinsen – nur ein vorübergehendes Phänomen?",[],{"type":1031,"text":3141,"spans":3142,"direction":1034},"Für alle, die sich aktuell um eine Baufinanzierung bemühen, ist diese Entwicklung dennoch erfreulich. Denn wenn die Renditen der Bundesanleihen sinken, sinken im Schlepptau stets auch die Bauzinsen. Und zumindest dieser Mechanismus scheint noch zu funktionieren: Statt 4,09 Prozent (Mitte Mai) zahlen Interessenten Ende Juni nur noch 3,97 Prozent im Mittel.",[],{"type":1031,"text":3144,"spans":3145,"direction":1034},"Die Frage ist nur: Wird dieser Trend anhalten oder sehen wir gerade nur eine Delle bei den Bauzinsen?",[],{"type":1031,"text":3147,"spans":3148,"direction":1034},"Angesichts des Zustands der Welt sind eindeutige Prognosen natürlich schwierig. Aus meiner Sicht ist es aber durchaus denkbar, dass der Abwärtstrend sich fortsetzt – auch wenn es etliche Unsicherheitsfaktoren gibt.",[],{"type":1391,"text":3150,"spans":3151,"direction":1034},"Alles kann, nichts muss",[],{"type":1031,"text":3153,"spans":3154,"direction":1034},"Möglich wäre es zum Beispiel, dass die deutsche Regierung es weiterhin schafft, verlorenes Vertrauen zurückzugewinnen.  Gelingt es etwa, die Energiekosten zu senken, könnte dies die dringend benötigten wirtschaftlichen Impulse auslösen. Dadurch würden (potenzielle) Investoren sehen, dass Deutschland nach Jahren der Stagnation wieder erstarkt und ein Schuldner ist, dem man gern sein Geld anvertraut.",[],{"type":1031,"text":3156,"spans":3157,"direction":1034},"Zur Wahrheit gehört aber auch, dass die Regierung sich bisher oft vor unangenehmen Entscheidungen gedrückt hat. Zudem besteht eine große Unsicherheit wegen der anstehenden Landtagswahlen in Sachsen-Anhalt und in Mecklenburg-Vorpommern. Je nachdem, wie gut oder schlecht die Extremisten dort abschneiden, wird auch das das Vertrauen in den deutschen Staat beeinflussen.",[],{"type":1391,"text":3159,"spans":3160,"direction":1034},"Lieber zugreifen als pokern",[],{"type":1031,"text":3162,"spans":3163,"direction":1034},"Wie also sollten Käufer und Eigentümer agieren, die dieser Tage eine Finanzierung brauchen?",[],{"type":1031,"text":3165,"spans":3166,"direction":1034},"Für mich sind die kommenden Wochen ein guter Zeitraum, um den Sack zuzumachen – egal, ob es um einen ersten Baukredit oder eine Anschlussfinanzierung geht.",[3167],{"start":3168,"end":2943,"type":1374,"data":3169},108,{"link_type":49,"url":3170,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fbaufinanzierung\u002Fangebote-vergleichen\u002Fhypothek",{"type":1031,"text":3172,"spans":3173,"direction":1034},"Allerdings gibt es eine Einschränkung: Bei Forward Darlehen mit Vorlaufzeiten von mehr als sechs Monaten wäre ich vorsichtig. Sollten wir im ersten Halbjahr 2027 weitere Zinssenkungen sehen, wäre eine solche Sicherheitsentscheidung nachteilig. Und weil nicht nur die Arbeit der deutschen Regierung Einfluss auf die Zinsen hat, sondern zum Beispiel auch der Ukraine-Krieg oder die Kongress- und Senatswahlen in den USA, sind neuerliche Abschläge nicht ausgeschlossen.",[],{"type":1031,"text":3175,"spans":3176,"direction":1034},"Keine dieser Entwicklungen ist vorhersehbar. Beide aber könnten das Vertrauen in den deutschen Staat als verlässlichen Schuldner verbessern. Anfang 2027 könnte es daher zu einer leichten (weiteren) Abwärtsbewegungen bei den Bauzinsen kommen. Kurz gesagt: Bei den Bauzinsen werden wir bis auf weiteres wohl keinen eindeutigen Weg nach unten sehen, wohl aber ein kontinuierliches Auf und Ab.",[],"text_block$c9206d59-9be7-45d8-a0c6-315cbaab7799","Sinkende Bauzinsen 2026 | FMH.de","Warum die Bauzinsen sinken - alle Infos & Zusammenhänge erklärt der Experte für Zinsentwicklung Max Herbst",{"dimensions":3181,"alt":3182,"copyright":3112,"url":3183,"id":3114,"edit":3184},{"width":2979,"height":2980},"Bauzinsen schmelzen dahin","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Faj5h3FbRV8_Qf6Zd_bauzinsen-schmelzen-dahin.jpg?auto=format,compress&rect=0,92,1300,683&w=2400&h=1260",{"x":24,"y":3185,"zoom":25,"background":26},92]