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Tilgungsrecher.",[1978,1983],{"start":1979,"end":1980,"type":1367,"data":1981},89,103,{"id":654,"type":107,"tags":1982,"lang":13,"slug":656,"first_publication_date":657,"last_publication_date":658,"uid":659,"url":660,"link_type":43,"isBroken":45},[],{"start":1979,"end":1980,"type":1372},{"type":1031,"text":1518,"spans":1985,"direction":1034},[],{"type":1521,"text":1987,"spans":1988,"direction":1034},"Unterschied zwischen Sollzins und Effektivzins",[],{"type":1031,"text":1990,"spans":1991,"direction":1034},"Die obige Tabelle zeigt, dass der Unterschied zwischen Soll- und Effektivzins in Abhängigkeit von der Höhe des Sollzinses wächst. 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Wer sich für ein sogenanntes Sofortdarlehen - man bekommt von der Bausparkasse sofort das Darlehen ausgezahlt, das später mit einem zu besparenden Bausparvertrag abgelöst wird - entscheidet, sollte darauf achten, dass nicht nur zwei Effektivzinsen (für das Bankdarlehen und das Bauspardarlehen) genannt bekommt, sondern einen Effektivzins für die gesamte Finanzierungsdauer. Dies ist eine gesetzliche Vorgabe. ",[],{"type":1031,"text":1518,"spans":2003,"direction":1034},[],{"type":1031,"text":2005,"spans":2006,"direction":1034},"Wichtig: Unsere Vergleichsrechner zeigen Ihnen immer transparent den Soll- und den Effektivzins an. ",[2007],{"start":24,"end":2008,"type":1372},99,{"type":1031,"text":1518,"spans":2010,"direction":1034},[],{"type":1521,"text":2012,"spans":2013,"direction":1034},"Folgende Faktoren bestimmen Ihre individuellen Zinsen ",[],{"type":1031,"text":2015,"spans":2016,"direction":1034},"Welche Konditionen eine Bank Ihnen gewährt, hängt von zahlreichen Faktoren ab. Die wichtigsten sind Ihr Eigenkapitaleinsatz, die Werthaltigkeit des Kaufpreises bzw. der Immobilie, der Beleihungsauslauf und Ihre Bonität. Der Zinssatz, den Sie von der Bank erhalten, ist also immer ein individuelles Angebot auf Basis dieser Parameter. ",[2017],{"start":2018,"end":2019,"type":1372},284,305,{"type":1417,"text":2021,"spans":2022,"direction":1034},"Eigenkapital: Je höher Ihre Ersparnisse sind, desto weniger Risiko besteht für den Geldgeber, da er nur einen kleineren Teil der Immobilie finanzieren muss. Man spricht in diesem Fall auch von einem geringen Beleihungsauslauf (etwa bis 60 Prozent des Kaufpreises). Wenig Eigenmittel bedeuten hingegen einen hohen Beleihungsauslauf (mehr als 80 Prozent des Kaufpreises). Dieses höhere Risiko lassen sich die Banken meist über höhere Zinsen bezahlen. ",[2023],{"start":24,"end":1412,"type":1372},{"type":1417,"text":2025,"spans":2026,"direction":1034},"Bonität (SCHUFA-Score): Ein gutes Einkommen, ein sicherer Arbeitsplatz und eine tadellose SCHUFA-Auskunft sind Voraussetzung für eine Baufinanzierung. ",[2027],{"start":24,"end":2028,"type":1372},23,{"type":1417,"text":2030,"spans":2031,"direction":1034},"Objektwert und Lage: Die Werthaltigkeit Ihrer Immobilie ist nicht nur vom Zustand ihres Wunschobjekts abhängig, sondern auch von dessen geografischer Lage. Ein in die Jahre gekommenes Haus in der Münchener Innenstadt kann daher deutlich wertvoller sein als ein brandneuer Architektenbau im Brandenburger Land. Die drei wichtigsten Kriterien bei der Wertermittlung von Immobilien sind daher nach wie vor Lage, Lage und Lage.  ",[2032],{"start":24,"end":2033,"type":1372},20,{"type":1417,"text":2035,"spans":2036,"direction":1034},"Banken beziehen ihre Zinsangaben nicht immer auf den Kaufpreis, sondern oft auf den Beleihungswert, der sehr oft pauschal zehn Prozent niedriger angesetzt wird als der eigentliche Kaufpreis. Wenn eine Bank bis 100 Prozent des Beleihungswertes finanziert, sind das also sehr oft nur 90 Prozent des Kaufpreises oder sogar weniger. Es ist daher elementar, die Bezugsgröße des Geldgebers zu kennen.",[2037],{"start":2038,"end":2039,"type":1372},84,190,{"type":1031,"text":1518,"spans":2041,"direction":1034},[],{"type":1385,"text":2043,"spans":2044,"direction":1034},"Was machen die Bauzinsen in den nächsten Monaten?",[],{"type":1031,"text":2046,"spans":2047,"direction":1034},"Die langfristigen Hypothekenzinsen sind relativ unabhängig von den Leitzinsveränderungen der EZB. 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",[],{"type":1031,"text":2052,"spans":2053,"direction":1034},"Ein ausführliche Prognose der FMH finden Sie in unserer Baugeld Zinsentwicklung.",[2054],{"start":1366,"end":2055,"type":1367,"data":2056},80,{"id":831,"type":813,"tags":2057,"lang":13,"slug":833,"first_publication_date":816,"last_publication_date":834,"uid":94,"url":835,"link_type":43,"isBroken":45},[],{"type":1031,"text":2059,"spans":2060,"direction":1034},"Diese nachfolgende kleine Grafik zeigt den geringen Einfluss der EZB auf die Bauzinsen und den fast direkten Zusammenhang zu den Renditen der Bundesanleihen.",[],{"type":1031,"text":1518,"spans":2062,"direction":1034},[],{"type":2064,"oembed":2065},"embed",{"embed_url":2066,"type":2067,"version":2068,"provider_name":2069,"thumbnail_url":2066,"html":2070,"url":2066},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F6efab80e-3a7f-486d-a501-f03c454c6dae\u002F","rich","1.0","static_image","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002F6efab80e-3a7f-486d-a501-f03c454c6dae\u002F\">\u003C\u002Fdiv>",{"type":1031,"text":1518,"spans":2072,"direction":1034},[],"Entwicklung Hypothekenzinsen","text_block$ee55fa30-dd0f-496f-86e9-0471dd7537e8",{"variation":1379,"version":1380,"items":2076,"primary":2077,"id":2110,"slice_type":2111,"slice_label":5},[],{"heading":2078,"title":2079,"text":2080,"image":2098,"rounded_image":1346,"button_link":2106},"Von FMH-Finanzberatung und WirtschaftsWoche ausgezeichnet","Die besten flexiblen Baufinanzierungen 2025",[2081,2084,2087,2089,2092,2095],{"type":1031,"text":2082,"spans":2083,"direction":1034},"Welche flexiblen Baufinanzierungen wurden ausgezeichnet?",[],{"type":1031,"text":2085,"spans":2086,"direction":1034},"Das Leben verläuft selten nach Plan und das gilt auch für die Finanzen. 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Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche insgesamt 12 bundesweite und 7 regionale Anbieter untersucht, welche die besten Angebote mit Sondertilgungen und Tilgungsanpassungen bieten.",[],{"type":1031,"text":1518,"spans":2088,"direction":1034},[],{"type":1031,"text":2090,"spans":2091,"direction":1034},"Top 3 - Anbieter bundesweit waren (10 Jahre Sollzinsbindung): DKB Deutsche Kreditbank, Gladbacher Bank und 1822direkt",[],{"type":1031,"text":2093,"spans":2094,"direction":1034},"Top 3 - Anbieter bundesweit waren (20 Jahre Sollzinsbindung): DKB Deutsche Kreditbank, Gladbacher Bank und ING",[],{"type":1031,"text":2096,"spans":2097,"direction":1034},"Top 3 - Anbieter regionalwaren (10 Jahre Sollzinsbindung): PSD Bank RheinNeckarSaar, Sparda-Bank Nürnberg und Sparda-Bank Hessen",[],{"dimensions":2099,"alt":2102,"copyright":5,"url":2103,"id":2104,"edit":2105},{"width":2100,"height":2101},688,921,"Auszeichnungssiegel","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQORVLpReVYa32Mb_Flexible-Baufi-Siegel-2025.png?auto=format,compress","aQORVLpReVYa32Mb",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":49,"key":2107,"url":2108,"target":52,"text":2109},"25547163-c1fc-4918-a7ab-f02e72aeaab6","https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-flexiblen-baufinanzierungen-wirtschaftswoche","Details zur Auswertung","award_box$79a7016f-02ef-4b46-9d97-866e3bf620b5","award_box",{"variation":1379,"version":1380,"items":2113,"primary":2114,"id":2122,"slice_type":1485,"slice_label":5},[],{"text":2115,"chart_alt":5},[2116,2119],{"type":1385,"text":2117,"spans":2118,"direction":1034},"Bank oder Vermittler: An wen sollte ich mich wenden? ",[],{"type":1031,"text":2120,"spans":2121,"direction":1034},"Ein entscheidender Schritt auf dem Weg zur Baufinanzierung ist die Wahl des richtigen Ansprechpartners. Hier gibt es fundamentale Unterschiede, je nachdem, an wen sich ein Interessent mit seinem Anliegen wendet.",[],"text_block$e2a60808-4462-4a10-884f-58c51324ddcb",{"variation":1379,"version":1380,"items":2124,"primary":2125,"id":2172,"slice_type":1970,"slice_label":5},[],{"title":2126,"table":2127},"Die Hausbank (Filial - und Direktbanken)",{"head":2128,"body":2142},{"rows":2129},[2130],{"key":1549,"cells":2131},[2132,2137],{"key":1552,"type":1553,"content":2133},[2134],{"type":1031,"text":2135,"spans":2136,"direction":1034},"Vorteile",[],{"key":1559,"type":1553,"content":2138},[2139],{"type":1031,"text":2140,"spans":2141,"direction":1034},"Nachteile",[],{"rows":2143},[2144,2157],{"key":1597,"cells":2145},[2146,2152],{"key":1600,"type":1601,"content":2147},[2148],{"type":1031,"text":2149,"spans":2150,"direction":1034},"Bestandskunden erhalten oft eine schnelle Entscheidung.",[2151],{"start":24,"end":1397,"type":1372},{"key":1607,"type":1601,"content":2153},[2154],{"type":1031,"text":2155,"spans":2156,"direction":1034},"Erstes Zinsangebot selten attraktiv.",[],{"key":2158,"cells":2159},"acb8b568-da06-455c-b0b1-544fdbe95765",[2160,2166],{"key":2161,"type":1601,"content":2162},"a3e6f7b2-46a1-4f61-a313-063a8bf95c2e",[2163],{"type":1031,"text":2164,"spans":2165,"direction":1034},"Zinssatz wird oft nachgebessert.",[],{"key":2167,"type":1601,"content":2168},"fa608380-16ef-427c-8ec4-768f13cd07bd",[2169],{"type":1031,"text":2170,"spans":2171,"direction":1034},"Die Berater achten sehr oft auf hohe Margen (Koppelgeschäfte). Das verteuert den Kredit unnötig.",[],"basic_table$51a7e026-0be6-4574-bca7-2d3ea6121277",{"variation":1379,"version":1380,"items":2174,"primary":2175,"id":2223,"slice_type":1970,"slice_label":5},[],{"title":2176,"table":2177},"Unabhängige Finanzierungsvermittler",{"head":2178,"body":2190},{"rows":2179},[2180],{"key":1549,"cells":2181},[2182,2186],{"key":1552,"type":1553,"content":2183},[2184],{"type":1031,"text":2135,"spans":2185,"direction":1034},[],{"key":1559,"type":1553,"content":2187},[2188],{"type":1031,"text":2140,"spans":2189,"direction":1034},[],{"rows":2191},[2192,2208],{"key":1597,"cells":2193},[2194,2202],{"key":2195,"type":1601,"content":2196},"13967887-5223-4ff0-82c5-4fc9a44490ab",[2197],{"type":1031,"text":2198,"spans":2199,"direction":1034},"Vergleich von bis zu 500 Banken (regional und überregional).",[2200],{"start":1407,"end":2201,"type":1372},32,{"key":2203,"type":1601,"content":2204},"33654349-2841-418b-820f-4245b801368a",[2205],{"type":1031,"text":2206,"spans":2207,"direction":1034},"Oft ist die Höhe der Provision wichtiger als die Interessen des Kunden.",[],{"key":2209,"cells":2210},"7e6b6ded-27c2-47f4-a789-c051cf2ceb3a",[2211,2217],{"key":2212,"type":1601,"content":2213},"a058e198-3b48-4a9c-864c-83f2501a703e",[2214],{"type":1031,"text":2215,"spans":2216,"direction":1034},"Digitale Unterstützung und Optimierung des Angebots möglich.",[],{"key":2218,"type":1601,"content":2219},"7ba2b751-52f2-476c-b6cb-ef5b6ce346da",[2220],{"type":1031,"text":2221,"spans":2222,"direction":1034},"Reichen die Angebote oft bei mehreren Banken ein. Das kann die Bearbeitungszeit verlängern.",[],"basic_table$d5726fda-9042-43ab-bbc2-b677349a4475",{"variation":1379,"version":1380,"items":2225,"primary":2226,"id":2284,"slice_type":1485,"slice_label":5},[],{"text":2227,"chart_alt":5},[2228,2231,2242,2244,2247,2254,2256,2259,2262,2267,2273,2275,2278],{"type":1521,"text":2229,"spans":2230,"direction":1034},"Unsere klare Empfehlung:",[],{"type":1031,"text":2232,"spans":2233,"direction":1034},"Verlassen Sie sich nicht nur auf Ihre Hausbank oder die Bank vor Ort. Ein unabhängiger Vermittler findet oft bessere Konditionen, da er den gesamten Markt im Blick hat. Ist dieser Vermittler von FMH.de und dem Handelsblatt mit einem Zertifikat ausgezeichnet, kann man zudem sicher sein, dass der oder die Betreffende auch kundenorientiert arbeitet.",[2234,2237,2241],{"start":2235,"end":2236,"type":1372},74,97,{"start":1471,"end":2238,"type":1367,"data":2239},257,{"id":578,"type":579,"tags":2240,"lang":13,"slug":581,"first_publication_date":582,"last_publication_date":583,"url":584,"link_type":43,"isBroken":45},[],{"start":1471,"end":2238,"type":1372},{"type":1031,"text":1518,"spans":2243,"direction":1034},[],{"type":1385,"text":2245,"spans":2246,"direction":1034},"Die richtige Wahl der Zinsbindung und Tilgung ",[],{"type":1031,"text":2248,"spans":2249,"direction":1034},"Die Höhe der Tilgungsquote und die Dauer der Zinsbindung haben maßgeblichen Einfluss auf die Konditionen, die Kunden später für ihr Anschlussdarlehen nach dem Ende der ersten Zinsfestschreibung erhalten. ",[2250,2252],{"start":1412,"end":2251,"type":1372},44,{"start":2253,"end":1371,"type":1372},45,{"type":1031,"text":1518,"spans":2255,"direction":1034},[],{"type":1521,"text":2257,"spans":2258,"direction":1034},"Die Zinsbindung (Planungssicherheit vs. Flexibilität) ",[],{"type":1031,"text":2260,"spans":2261,"direction":1034},"Die meisten Käufer entscheiden sich für eine Zinsbindung zehn oder 15 Jahre. Aber auch Festschreibungen über 20, 25 oder sogar 30 Jahre sind möglich. Wer davon ausgeht, dass die Zinsen in der näheren Zukunft sinken werden, kann sich auch für fünf Jahre fest entscheiden. Damit kann er bereits nach einem halben Jahrzehnt umschulden und vermeidet die sonst fälligen Entschädigungszahlungen an die Bank. Sie fallen oft bei einer vorzeitigen Vertragskündigung länger laufender Verträge an (Vorfälligkeitsentschädigung).  ",[],{"type":1417,"text":2263,"spans":2264,"direction":1034},"10 Jahre fest: Die häufigste Zinsbindung und eine überschaubare Zinsfestschreibung. Sie ist der Standard für Zinsmeldungen. ",[2265],{"start":24,"end":2266,"type":1372},14,{"type":1417,"text":2268,"spans":2269,"direction":1034},"15 Jahre fest und länger: Je länger die Zinsbindung, desto leicht höhere Zinsen sind fällig. Dafür besteht mehr Planungs- und Zinssicherheit. Zudem besteht die Möglichkeit, das Darlehen nach zehn Jahren kostenfrei ab Vollauszahlung der vollständigen Kreditsumme mit einer Frist von sechs Monaten ganz oder teilweise zu kündigen. Dies ist im §489 BGB geregelt. ",[2270,2271],{"start":24,"end":1402,"type":1372},{"start":2272,"end":1471,"type":1372},191,{"type":1031,"text":1518,"spans":2274,"direction":1034},[],{"type":1521,"text":2276,"spans":2277,"direction":1034},"Die optimale Tilgungsrate – ein Rechenbeispiel, das überzeugt ",[],{"type":1031,"text":2279,"spans":2280,"direction":1034},"Die anfängliche Tilgungsquote in Prozent bestimmt, wie schnell ein Kunde seinen Kreditbetrag zurückzahlt. Schon ein kleiner Unterschied hat massive Auswirkungen auf die Restschuld und die Gesamtlaufzeit des Baudarlehens. In dem Beispiel wird unterstellt, dass nach der Zinsbindung weiterhin 3,5 Prozent Sollzins gilt. So dürfen auch die Banken rechnen, wenn sie eine Hochrechnung vornehmen. ",[2281],{"start":2282,"end":2283,"type":1372},4,40,"text_block$2c80490b-9d21-45c8-8059-d45bc8a74a8f",{"variation":1379,"version":1380,"items":2286,"primary":2287,"id":2407,"slice_type":1970,"slice_label":5},[],{"title":2288,"table":2289},"Rechenbeispiel: 300.000 € Darlehen, 3,5 Prozent Sollzins, 10 Jahre Zinsbindung",{"body":2290},{"rows":2291},[2292,2318,2346,2379],{"key":1549,"cells":2293},[2294,2300,2306,2312],{"key":2295,"type":1601,"content":2296},"ee4e96ff-d547-4557-b288-f05e014159f1",[2297],{"type":1031,"text":2298,"spans":2299,"direction":1034},"Anfängliche Tilgung",[],{"key":2301,"type":1601,"content":2302},"76feca41-8914-431b-83fc-2365870ec13d",[2303],{"type":1031,"text":2304,"spans":2305,"direction":1034},"Monatliche Rate (Zins & Tilgung)",[],{"key":2307,"type":1601,"content":2308},"1b3d6dfe-e485-498d-b791-9dc7b934f611",[2309],{"type":1031,"text":2310,"spans":2311,"direction":1034},"Restschuld nach 10 Jahren",[],{"key":2313,"type":1601,"content":2314},"ae4236a1-9a03-4f0b-9b34-e03ee3e30f1a",[2315],{"type":1031,"text":2316,"spans":2317,"direction":1034},"Laufzeit gesamt (ca.)",[],{"key":1597,"cells":2319},[2320,2328,2334,2340],{"key":2321,"type":1601,"content":2322},"9e227b3a-9ba4-4577-aa52-c6908871a321",[2323],{"type":1031,"text":2324,"spans":2325,"direction":1034},"1,0 %",[2326],{"start":24,"end":2327,"type":1372},5,{"key":2329,"type":1601,"content":2330},"17ac657d-8aa0-4102-8ca9-bd5487d77d70",[2331],{"type":1031,"text":2332,"spans":2333,"direction":1034},"1.125 €",[],{"key":2335,"type":1601,"content":2336},"2dc8b68f-317c-416b-8a53-9601bbdf84cb",[2337],{"type":1031,"text":2338,"spans":2339,"direction":1034},"ca. 264.142 €",[],{"key":2341,"type":1601,"content":2342},"60402b32-f43c-4ccf-9759-cb23f633729a",[2343],{"type":1031,"text":2344,"spans":2345,"direction":1034},"43 Jahre",[],{"key":2347,"cells":2348},"ad54dcf4-268f-40c7-adf0-86f7ed9caa79",[2349,2356,2364,2371],{"key":2350,"type":1601,"content":2351},"9151f3f4-e26f-432a-9764-4ea980cab5a0",[2352],{"type":1031,"text":2353,"spans":2354,"direction":1034},"2,0 %",[2355],{"start":24,"end":2327,"type":1372},{"key":2357,"type":1601,"content":2358},"d32b1fc5-8697-4a2d-8c33-aacb3046cbbd",[2359],{"type":1031,"text":2360,"spans":2361,"direction":1034},"1.375 €",[2362],{"start":24,"end":2363,"type":1372},7,{"key":2365,"type":1601,"content":2366},"47663ba5-2d92-4fc5-9e73-d69d3dcde097",[2367],{"type":1031,"text":2368,"spans":2369,"direction":1034},"ca. 228.284 €",[2370],{"start":24,"end":1412,"type":1372},{"key":2372,"type":1601,"content":2373},"1344c8de-dde3-444b-a81e-a92dffac802d",[2374],{"type":1031,"text":2375,"spans":2376,"direction":1034},"29 Jahre",[2377],{"start":24,"end":2378,"type":1372},8,{"key":2380,"cells":2381},"17804d39-f55b-4c4f-84e1-c1c226b67100",[2382,2389,2395,2401],{"key":2383,"type":1601,"content":2384},"ccaae2f4-b0af-4cb1-aaaa-3157a70e85ee",[2385],{"type":1031,"text":2386,"spans":2387,"direction":1034},"3,0 %",[2388],{"start":24,"end":2327,"type":1372},{"key":2390,"type":1601,"content":2391},"909ed4e6-33cf-40a1-be7d-a21d37392ca7",[2392],{"type":1031,"text":2393,"spans":2394,"direction":1034},"1.625 €",[],{"key":2396,"type":1601,"content":2397},"b4e6acf7-5476-49cd-b680-54a5d3b0932a",[2398],{"type":1031,"text":2399,"spans":2400,"direction":1034},"ca. 192.426 €",[],{"key":2402,"type":1601,"content":2403},"6e205351-96ae-4c29-aff0-b56c3ceb4a58",[2404],{"type":1031,"text":2405,"spans":2406,"direction":1034},"22 Jahre",[],"basic_table$6a966204-8c4e-483f-8585-44ba74b4c52a",{"variation":1379,"version":1380,"items":2409,"primary":2410,"id":2534,"slice_type":1485,"slice_label":5},[],{"text":2411,"chart_alt":5},[2412,2415,2421,2423,2426,2429,2432,2434,2437,2440,2447,2452,2456,2458,2461,2464,2467,2472,2476,2481,2483,2486,2494,2497,2502,2506,2511,2521,2523,2526,2529],{"type":1521,"text":2413,"spans":2414,"direction":1034},"Unsere Empfehlung",[],{"type":1031,"text":2416,"spans":2417,"direction":1034},"Wählen Sie möglichst zwei Prozent Tilgung pro Jahr und lassen Sie sich zugleich die Optionen einräumen, die Tilgungshöhe im Laufe der Zeit zu verändern und \u002F oder Sondertilgungen vorzunehmen. So schaffen Sie optimale Bedingungen für einen Schuldendienst, der sich Ihrem Leben anpasst.",[2418],{"start":2419,"end":2420,"type":1372},34,50,{"type":1031,"text":1518,"spans":2422,"direction":1034},[],{"type":1385,"text":2424,"spans":2425,"direction":1034},"Weitere Faktoren: Nebenkosten des Immobilienerwerbs und Flexibilität ",[],{"type":1031,"text":2427,"spans":2428,"direction":1034},"Auch wenn der Kaufpreis den Löwenanteil der Kosten beim Immobilienerwerb ausmacht, die Erwerbsnebenkosten sind ebenfalls ein wichtiger Posten. Je nachdem, in welchem Bundesland das Haus oder die Wohnung liegt, können diese Nebenkosten schnell zehn Prozent des Kaufpreises ausmachen. ",[],{"type":1031,"text":2430,"spans":2431,"direction":1034},"Als Faustregel gilt: Käufer bzw. Bauherren sollten die Nebenkosten möglichst mit Eigenkapital bezahlen, weil diese Kosten das Immobilienobjekt nicht werthaltiger machen. ",[],{"type":1031,"text":1518,"spans":2433,"direction":1034},[],{"type":1521,"text":2435,"spans":2436,"direction":1034},"Was verursacht die Nebenkosten beim Immobilienkauf – und in welcher Höhe?",[],{"type":1031,"text":2438,"spans":2439,"direction":1034},"So setzen sich die Nebenkosten zusammen: ",[],{"type":1417,"text":2441,"spans":2442,"direction":1034},"Grunderwerbsteuer: Sie beträgt, je nach Bundesland, zwischen 3,5 bis 6,5 Prozent des Kaufpreises. In Bayern ist die Grunderwerbsteuer mit 3,5 Prozent mit Abstand am niedrigsten. Das Saarland, Nordrhein-Westfalen und Brandenburg verlangen mit 6,5 Prozent am meisten. ",[2443,2444],{"start":24,"end":1533,"type":1372},{"start":2445,"end":2446,"type":1372},60,61,{"type":1417,"text":2448,"spans":2449,"direction":1034},"Notar- und Grundbuchkosten: Sie betragen zwischen 1,5 bis zwei Prozent des Kaufpreises - abhängig von der Höhe der Grundschuldeintragungen. ",[2450],{"start":24,"end":2451,"type":1372},27,{"type":1417,"text":2453,"spans":2454,"direction":1034},"Maklercourtage: Sie kann bis zu 3,57 Prozent inkl. MwSt. ausmachen. Unwichtig, wie hoch die Maklerkosten angesetzt werden, sie müssen immer von Verkäufer und Käufer in gleichen Teilen bezahlt werden. ",[2455],{"start":24,"end":1397,"type":1372},{"type":1031,"text":1518,"spans":2457,"direction":1034},[],{"type":1521,"text":2459,"spans":2460,"direction":1034},"Flexible Vertragsgestaltung",[],{"type":1031,"text":2462,"spans":2463,"direction":1034},"Ein Darlehen zur Baufinanzierung läuft in vielen Fällen 30 Jahre oder länger. Um auf Veränderungen in den eigenen Lebensumständen besser reagieren zu können, sollten Kunden sich möglichst viele Optionen offenhalten, um die monatlichen Belastungen entsprechend den Lebenssituationen anzupassen. Wer etwa einen deutlich besser dotierten Job antritt, dem kann es helfen, die Tilgungsquote deutlich nach oben zu setzen. Wer hingegen krank wird oder seinen Job verliert, für den sind Korrekturen nach unten hilfreich. ",[],{"type":1031,"text":2465,"spans":2466,"direction":1034},"Wer langfristig Kosten sparen und flexibel bleiben will, sollte darauf achten, dass die Baufinanzierung folgende Gestaltungsmöglichkeiten enthält. ",[],{"type":1417,"text":2468,"spans":2469,"direction":1034},"Sondertilgungen: Viele Banken erlauben Sondertilgungen bis fünf Prozent des ursprünglichen Darlehensbetrags pro Jahr, ohne dafür einen Zinsaufschlag (meist 0,5 Prozent) zu verlangen. Wer sich die Möglichkeit offenhalten will, bis zu zehn Prozent pro Jahr außerplanmäßig zu tilgen, sollte dafür einen Zinsaufschlag von etwa 0,1 Prozent einkalkulieren. ",[2470],{"start":24,"end":2471,"type":1372},16,{"type":1417,"text":2473,"spans":2474,"direction":1034},"Tilgungssatzwechsel: Diese Option ist fast noch wichtiger als die Möglichkeit zur Sondertilgung, weil sie Ihnen eine Anpassung der monatliche Ratenhöhe, ohne spezielle Rücksprache mit der Bank, ermöglicht. Wie häufig ein solcher Schritt erlaubt ist, hängt vom Vertrag ab. Allerdings darf eine unterschiedlich hohe Mindesttilgung nicht unterschritten werden.  ",[2475],{"start":24,"end":2033,"type":1372},{"type":1417,"text":2477,"spans":2478,"direction":1034},"Bereitstellungszinsfreie Zeit: Bereitstellungszinsen sind Kosten, die Banken verlangen, wenn ein Kunde einen schon bereitgestellten Kreditbetrag nicht zeitnah abruft. Gerade bei Neubauten oder Kaufobjekten mit ausgedehnten Sanierungsarbeiten kommt das sehr oft vor, dass Käufer hier in der Regel nur nach Bauabschnitt das Darlehen abrufen dürfen. Da diese Gebühren schnell bis zu 0,25 Prozent der Kreditsumme ausmachen – und zwar pro Monat – sollten Kunden auf eine möglichst lange freie Zeit (idealerweise zwölf Monate oder mehr) ohne diese Gebühren achten.",[2479],{"start":24,"end":2480,"type":1372},30,{"type":1031,"text":1518,"spans":2482,"direction":1034},[],{"type":1385,"text":2484,"spans":2485,"direction":1034},"Speziell für Bestandskunden: Anschlussfinanzierung, Umschuldung oder Forward-Darlehen ",[],{"type":1031,"text":2487,"spans":2488,"direction":1034},"Läuft Ihre Zinsbindung in den nächsten Monaten aus und ihre Ersparnisse reichen nicht aus, um die Restschuld abzutragen? Übrigens, dies ist in den meisten Fällen der Fall. Dann stehen Sie vor der Entscheidung zwischen einer Prolongation ihres Darlehens (Verlängerung beim bisherigen Geldgeber) oder einer Umschuldung (Wechsel zur Konkurrenz).  ",[2489,2492],{"start":2490,"end":2491,"type":1372},224,236,{"start":2019,"end":2493,"type":1372},316,{"type":1031,"text":2495,"spans":2496,"direction":1034},"Dauert es bis zum Ende der Zinsbindung noch bis zu fünf Jahre, können und sollten Sie allerdings auch schon über die Zinsentwicklung nachdenken und erwägen, ein sogenanntes Forward-Darlehen abzuschließen. ",[],{"type":1417,"text":2498,"spans":2499,"direction":1034},"Ab wann sollten Sie sich über eine Anschlussfinanzierung Gedanken machen? Beginnen Sie mit den Verhandlungen mit Ihrer Hausbank spätestens sechs Monate vor Ablauf der Zinsbindung. Dann haben Sie noch genügend Zeit, sich um bessere Angebote zu bemühen, wenn die Offerte ihres Stammberaters Sie nicht zufriedenstellt. Grundsätzlich raten wir allen Kunden dazu, sich auch bei der Konkurrenz umzuhören und die Konditionen zu vergleichen. Vielfach lassen sich dadurch Tausende Euro sparen. ",[2500],{"start":24,"end":2501,"type":1372},73,{"type":1417,"text":2503,"spans":2504,"direction":1034},"Welche Besonderheiten gelten bei einer Umschuldung?  Ein solcher Schritt ist oft einfacher, als gedacht. Denn als Umschuldungskunde sind sie bei anderen Banken ein gern gesehener Kunde. Der Grund: Sie haben bewiesen, dass Sie schon zehn Jahre und länger pünktlich Ihre Raten bezahlt haben. Zudem ist die Restschuld deutlich kleiner als bei der ersten Finanzierung und der Immobilienwert in der Regel deutlich gestiegen. Alles in allem also ideale Bedingungen für eine neue Bank.  ",[2505],{"start":24,"end":1365,"type":1372},{"type":1031,"text":2507,"spans":2508,"direction":1034},"Forward-Darlehen: Wenn Sie in den kommenden Jahren steigende Zinsen befürchten und Ihre Zinsbindung erst in einem bis fünf Jahren ausläuft, sollten Sie über den Abschluss eines Forward-Darlehen nachdenken. Damit sichern Sie sich für einen geringen Zinsaufschlag die aktuellen Zinsen bereits für die Zukunft. ",[2509],{"start":24,"end":2510,"type":1372},17,{"type":1031,"text":2512,"spans":2513,"direction":1034},"Tipp: Ein unabhängiger Vermittler kann Ihnen bei Anschlussfinanzierungen in jedem Fall gute Dienste leisten. Anschlussfinanzierer sind begehrte Kunden der Banken - das geringere Finanzierungsrisiko und die meist hohe Tilgungsquote bei der „zweiten Runde“ der Baufinanzierung sind ideale Voraussetzungen für jede Kreditanfrage.  Zusätzlich – oder zur ersten Orientierung – empfehlen wir Ihnen, den unabhängigen Forward-Darlehen-Vergleich von FMH .de zu nutzen.  ",[2514,2515,2520],{"start":24,"end":2327,"type":1372},{"start":2516,"end":2517,"type":1367,"data":2518},410,436,{"id":568,"type":107,"tags":2519,"lang":13,"slug":110,"first_publication_date":570,"last_publication_date":571,"uid":572,"url":573,"link_type":43,"isBroken":45},[109],{"start":2516,"end":2517,"type":1372},{"type":1031,"text":1518,"spans":2522,"direction":1034},[],{"type":1385,"text":2524,"spans":2525,"direction":1034},"Fazit zur Baufinanzierung und zum Hypothekenzinsen-Vergleich ",[],{"type":1031,"text":2527,"spans":2528,"direction":1034},"Die Entscheidung für eine Baufinanzierung ist oft die weitreichendste finanzielle Weichenstellung im Leben. Ob für einen Kauf, den Bau des Familienheims oder eine Umschuldung – die Zinskonditionen eines Hypothekendarlehens legen Ihre monatliche Belastung für viele Jahre fest. Wer vorschnell entscheidet, verschenkt oft fünfstellige Summen. Ein umfassender, tagesaktueller Vergleich hingegen kann ihnen helfen, das richtige Produkt zu wählen – und unnötige Kosten zu vermeiden.  ",[],{"type":1031,"text":2530,"spans":2531,"direction":1034},"Wir wollen Ihnen mit all diesen Informationen nicht nur einen günstigen Effektivzins für Ihr Immobilien-Vorhaben aufzeigen, sondern auch was alles zu einer idealen Baufinanzierung dazugehört. ",[2532],{"start":2533,"end":2038,"type":1372},72,"text_block$eed533f9-cca7-4b4c-ac9f-f580fd1a446c",{"variation":1379,"version":1380,"items":2536,"primary":2537,"id":2677,"slice_type":67,"slice_label":5},[],{"title":2538,"center_title":45,"border":1346,"open_close_icon":2539,"max_width":2540,"list":2541},"Häufig gestellte Fragen zur Baufinanzierung","Caret","none",[2542,2581,2592,2598,2613,2629,2647,2653,2665,2671],{"question":2543,"answer":2544},"Kann ich meinen Baukredit vorzeitig kündigen?",[2545,2548,2551,2555,2558,2561,2563,2571,2573],{"type":1031,"text":2546,"spans":2547,"direction":1034},"Grundsätzlich nein. ",[],{"type":1031,"text":2549,"spans":2550,"direction":1034},"Der Vertrag über einen bestimmten Zeitraum zu festen Zinsen und Bedingungen gilt für beide Vertragspartner. Allerdings gibt es zwei wichtige BGH-Urteile, die die vorzeitige Vertragsauflösung erlauben. Allerdings muss dem Geldgeber dann der entstandene Schaden (Margenverlust) in Form einer Vorfälligkeitsentschädigung erstattet werden.  ",[],{"type":2552,"text":2553,"spans":2554,"direction":1034},"o-list-item","Der Bundesgerichtshof hat entschieden, dass bei einem Immobilienverkauf eine vorzeitige Vertragskündigung möglich ist. Die Bank darf aber den Schaden aus dem Vertrag dem Darlehensnehmer in Rechnung stellen. Die Berechnung der Vorfälligkeitsentschädigung führt sehr oft zu Missstimmungen zwischen Bank und Kunde.  ",[],{"type":2552,"text":2556,"spans":2557,"direction":1034},"Der zweite Fall erlaubt eine vorzeitige Vertragskündigung, wenn eine Kreditaufstockung die neue Bank nur dann macht, wenn sie auch den Rest des laufenden Darlehensvertrages übernehmen kann.",[],{"type":2552,"text":2559,"spans":2560,"direction":1034},"In allen anderen Fällen kann man den derzeitigen Geldgeber fragen, ob er einer Vertragsauflösung zustimmt. Stimmt er zu, was nicht verpflichtend ist, dann kann dieser Geldgeber die Höhe der Vorfälligkeitsentschädigung selbst festlegen und muss sich nicht an die BGH-Vorgaben für die Berechnung halten. ",[],{"type":1031,"text":1518,"spans":2562,"direction":1034},[],{"type":1031,"text":2564,"spans":2565,"direction":1034},"Eine kostenfreie Vertragskündigung ist auch möglich und zwar am Ende der Zinsbindung. Und dann gibt es noch die Möglichkeit einen grundbuchlich gesicherten Darlehensvertrag kostenlos vorzeitig zu kündigen, wenn die Zinsfestschreibung länger als zehn Jahre vereinbart ist. Nach § 489 BGB kann der Kunde seinen Vertrag frühestens nach zehn Jahren ab der Vollauszahlung der Kreditsumme, dann aber jederzeit, mit sechs Monaten Kündigungsfrist ganz oder teilweise kostenfrei kündigen. Eine Vereinbarung, über eine Vorfälligkeitsentschädigung, die diese Regelung nicht berücksichtigt, ist unwirksam (BGH, Az. XI ZR 75\u002F23). ",[2566],{"start":2567,"end":2568,"type":1367,"data":2569},603,614,{"link_type":49,"url":2570,"target":52},"https:\u002F\u002Fjuris.bundesgerichtshof.de\u002Fcgi-bin\u002Frechtsprechung\u002Fdocument.py?Gericht=bgh&Art=en&Datum=Aktuell&Sort=12288&nr=140185&anz=1114&pos=6",{"type":1031,"text":1518,"spans":2572,"direction":1034},[],{"type":1031,"text":2574,"spans":2575,"direction":1034},"Auf FMH.de können Sie eine korrekte Berechnung zur Höhe einer Vorfälligkeitsentschädigung selbst durchführen.",[2576,2580],{"start":2577,"end":1979,"type":1367,"data":2578},36,{"id":676,"type":107,"tags":2579,"lang":13,"slug":678,"first_publication_date":679,"last_publication_date":680,"uid":681,"url":682,"link_type":43,"isBroken":45},[],{"start":2577,"end":1979,"type":1372},{"question":2582,"answer":2583},"Wie viel Eigenkapital ist für die Baufinanzierung notwendig?",[2584],{"type":1031,"text":2585,"spans":2586,"direction":1034},"Um Top-Konditionen zu erhalten, sollten Sie mindestens die Kaufnebenkosten (etwa zehn Prozent des Kaufpreises) sowie weitere 10 bis 20 Prozent des Kaufpreises aus Eigenmitteln bezahlen können. Dies ist der Idealzustand, aber nicht Voraussetzung für eine durchschnittliche Baufinanzierung. Mit einem Eigenkapitaleinsatz von rund zehn Prozent des Kaufpreises plus den Kaufnebenkosten, kann bereits eine akzeptable Finanzierung erreicht werden.",[2587,2590],{"start":2588,"end":2589,"type":1372},3,18,{"start":2591,"end":2235,"type":1372},59,{"question":2593,"answer":2594},"Kann man KfW-Darlehen direkt bei der KfW beantragen?",[2595],{"type":1031,"text":2596,"spans":2597,"direction":1034},"Darlehen der KfW (Kreditanstalt für Wiederaufbau) sollen den Immobilienerwerb erleichtern und sind teilweise staatlich subventioniert. Diese Darlehen müssen Sie aber stets über die finanzierende Bank beantragen und abwickeln lassen. Ein direkter Kontakt zur KfW ist nicht möglich.",[],{"question":2599,"answer":2600},"Was ist ein Forward-Darlehen und wann brauche ich es?",[2601,2610],{"type":1031,"text":2602,"spans":2603,"direction":1034},"Ein Forward-Darlehen ist eine spezielle Form der Anschlussfinanzierung, bei der Sie sich die aktuellen Zinsen für einen Kredit sichern, den Sie erst in der Zukunft benötigen (Vorlaufzeit bis zu 60 Monate). Dies ist sinnvoll, wenn Ihre aktuelle Zinsbindung in Kürze ausläuft und Sie steigende Zinsen befürchten.",[2604,2607],{"start":2605,"end":2606,"type":1372},93,109,{"start":2608,"end":2609,"type":1372},156,163,{"type":1031,"text":2611,"spans":2612,"direction":1034},"Forward-Darlehen sind nur die Anschlussfinanzierung möglich, nicht für die geplante spätere neue Immobilienfinanzierung.",[],{"question":2614,"answer":2615},"Was ist ein Annuitätendarlehen?",[2616,2623,2626],{"type":1031,"text":2617,"spans":2618,"direction":1034},"Ein Annuitätendarlehen ist die gängige Version eines Baukredits. Kreditnehmer zahlen über die gesamte Laufzeit gleichbleibende Raten (die sogenannte Annuität). Diese Rate setzt sich aus einem Zins- und einem Tilgungsanteil zusammen. ",[2619],{"start":2620,"end":2621,"type":2622},149,157,"em",{"type":1031,"text":2624,"spans":2625,"direction":1034},"Die Annuität besteht also einerseits aus den Zinsen, die der Kreditnehmer jeden Monat auf die noch verbleibende Restschuld zahlen muss und dem Tilgungsanteil, also dem Anteil der Rate, der für den eigentlichen Schuldendienst verwendet wird.  ",[],{"type":1031,"text":2627,"spans":2628,"direction":1034},"Zu Beginn der Laufzeit ist der Zinsanteil hoch und der Tilgungsanteil niedrig. Dieser Anteil verschiebt sich im Laufe der Zeit, denn mit jeder Zahlung verringert sich die Restschuld, wodurch die Zinsen sinken, und diese ersparten Zinsen fließen in eine erhöhte Tilgung – beim Annuitätendarlehen bleiben die Raten über die gesamte Zinsbindungszeit gleich hoch.",[],{"question":2630,"answer":2631},"Was ist ein Volltilgerdarlehen?",[2632,2635,2638,2641,2644],{"type":1031,"text":2633,"spans":2634,"direction":1034},"Diese Kredite bieten Kunden maximale Belastungssicherheit, da die Tilgungshöhe so gewählt wird, dass die Schulden innerhalb der Zinsfestschreibung vollkommen getilgt sind. Anders als bei üblichen Annuitätendarlehen, deren Zinsfestschreibung irgendwann endet, besteht also hier kein Zinsrisiko bei einem Anschlussdarlehen.  ",[],{"type":1031,"text":2636,"spans":2637,"direction":1034},"Allerdings sind die Raten bei dieser Variante meist höher als bei klassischen Baukrediten: ",[],{"type":1417,"text":2639,"spans":2640,"direction":1034},"Volltilger innerhalb von 30 Jahre und vier Prozent Sollzins benötigen eine Tilgungsquote von 1,73 Prozent pro Jahr. ",[],{"type":1417,"text":2642,"spans":2643,"direction":1034},"Volltilger innerhalb von 25 Jahre und vier Prozent Sollzins benötigen eine Tilgungsquote von 2,34 Prozent pro Jahr. ",[],{"type":1417,"text":2645,"spans":2646,"direction":1034},"Volltilger innerhalb von 20 Jahre und vier Prozent Sollzins benötigen eine Tilgungsquote von 3,28 Prozent pro Jahr.",[],{"question":2648,"answer":2649},"Welche Zinsfestschreibung sollte ich wählen?",[2650],{"type":1031,"text":2651,"spans":2652,"direction":1034},"Das hängt primär davon ab, wie man die Zinsentwicklung in den nächsten Jahrzehnten einschätzt. Denn in den meisten Fällen besteht am Ende der Zinsbindung noch eine Restschuld, die dann mit den dann geltenden Zinsen weiterfinanziert werden muss. Aber auch die mögliche monatliche Rate spielt eine Rolle, weil die Zinsen etwas höher sind, je länger der Zinssatz garantiert ist. Erwarten Sie in den nächsten Jahren sinkende Zinsen, kann auch eine kurze Festschreibung von fünf Jahren sinnvoll sein, obwohl sie selten vereinbart wird.",[],{"question":2654,"answer":2655},"Was kommt zuerst? Das passende Haus oder der Kredit?",[2656],{"type":1031,"text":2657,"spans":2658,"direction":1034},"Idealerweise sollten Kunden bereits eine genaue Vorstellung von ihrem finanzierbaren Traumobjekt haben, wenn sie sich auf die Suche nach dem Objekt machen. Denn auch wenn es zutreffend ist, dass der Kredit zum Haus passen muss – wenn das Objekt nicht zur Finanzierung passt, kann das Projekt sich schnell in Luft auflösen. Um zu ermitteln, wie viel Haus die eigenen Mittel hergeben, hat FMH.de die passenden Rechner entwickelt. Mit ihnen können Interessenten spielerisch die maximale Objektgröße ermitteln und auch gleich errechnen, welche Kosten der Kauf mit sich brächte. Und wenn man nun weiß, welche Objektgröße finanzierbar ist, kann man sich auf die Suche machen, ob es eine solche Immobilie gibt. Ist ein solches Objekt verfügbar, fangen die Finanzierungsgespräche an.",[2659,2664],{"start":2660,"end":2661,"type":1367,"data":2662},398,426,{"id":981,"type":901,"tags":2663,"lang":13,"slug":983,"first_publication_date":984,"last_publication_date":985,"uid":986,"url":987,"link_type":43,"isBroken":45},[],{"start":2660,"end":2661,"type":1372},{"question":2666,"answer":2667},"Gibt es bessere Zinsen für einen Neubau oder für eine bestehende Immobilie?",[2668],{"type":1031,"text":2669,"spans":2670,"direction":1034},"Eine pauschale Antwort auf diese Frage ist schwierig. Denn Banken achten bei der Kreditvergabe stark auf die eigene Sicherheit. Entscheidend ist für die Bank also, ob sie langfristig die Raten bezahlt bekommt, der Kredit also nicht notleidend wird, wie es im Bankerdeutsch heißt. Ein weiterer Aspekt, den Banker bei der Vergabe beachten, ist die Frage, ob der Erlös im Falle einer Zwangsversteigerung die vorhandene Restschuld bezahlen würde oder ob Verluste entstehen würden. Ein gutes Bestandsobjekt in einem Ballungsgebiet ist vielen Banken daher lieber als ein tolles Architektenhaus auf dem Land. Welche Konditionen ein Kunde erhält, bemisst sich – neben den persönlichen Parametern des Interessenten – also nicht unbedingt an der Art des Gebäudes, sondern nur an der Werthaltigkeit der Immobilie.",[],{"question":2672,"answer":2673},"Was ist ein Darlehen mit variablen Zinsen?",[2674],{"type":1031,"text":2675,"spans":2676,"direction":1034},"In dieser Konstellation sind die Zinsen nicht festgeschrieben, sondern können sich jederzeit nach oben oder unten verändern. Müssen aber an einen Referenzzins gekoppelt werden. Diese Angebote sind in Deutschland aber vergleichsweise selten und auch höher verzinst als Darlehen mit Zinsfestschreibung. Allerdings kann es eine gute Entscheidung sein, wenn die Eigenmittel im vorhandenem Haus stecken, das erst im Laufe der nächsten Monate verkauft werden soll. Dann ist zur Überbrückung der Zeit ein Darlehen mit variablen Zinsen ideal.",[],"faq$616ed17e-5d0b-491d-8a93-4a631d282537",{"variation":2679,"version":1380,"items":2680,"primary":2681,"id":2686,"slice_type":2687,"slice_label":5},"latest",[],{"title":2682,"amount":2588,"topic_filter":2683,"first_big":45,"padding":45,"background":1375,"show_all_articles_button":45},"Das könnte Sie auch interessieren",{"id":1331,"type":1332,"tags":2684,"lang":13,"slug":94,"first_publication_date":1334,"last_publication_date":1335,"uid":94,"link_type":43,"key":2685,"isBroken":45},[],"870b4300-7644-4dfa-bc93-9c3e65046e2e","article_cards$6a47e1bc-1d6d-4621-aa5c-23a033d4258c","article_cards","Hypothekenzinsen Vergleich {{current_month}}\u002F{{current_year}}: Baufinanzierung","Jetzt Top-Hypothekenzinsen in 3 Min.; aktuelle Zinsentwicklung, optimale Tilgung & Forward-Darlehen, unabhängiger Vergleich!",{},{"id":1351,"uid":1354,"url":5,"type":1352,"href":2692,"tags":2693,"first_publication_date":1355,"last_publication_date":1356,"slugs":2694,"linked_documents":2695,"lang":13,"alternate_languages":2696,"data":2697},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aNvqoxIAACQAg-TQ%22%29+%5D%5D",[],[1354],[],[],{"image":2698,"name":2705,"description":2706},{"dimensions":2699,"alt":2701,"copyright":5,"url":2702,"id":2703,"edit":2704},{"width":2700,"height":2700},1000,"Max Herbst: Experte für Baufinanzierung und Zinsentwicklung","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaP-JFbpReVYa3tiT_max-01.png?auto=format,compress","aP-JFbpReVYa3tiT",{"x":24,"y":24,"zoom":25,"background":26},"Max Herbst","Experte für Baufinanzierung und Zinsentwicklung",{"id":971,"uid":976,"url":977,"type":901,"href":2708,"tags":2709,"first_publication_date":974,"last_publication_date":975,"slugs":2710,"linked_documents":2711,"lang":13,"alternate_languages":2712,"data":2713},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aPjKVBIAACIAisyx%22%29+%5D%5D",[],[973],[],[],{"page_topic":2714,"page_type":2717,"title":2720,"textblock":2721,"section_1_title":5,"section_1_image":2725,"section_1_layout":2734,"section_1_links":2735,"section_2_title":5,"section_2_image":2757,"section_2_layout":2734,"section_2_links":2758,"section_3_title":5,"section_3_image":2762,"section_3_layout":2734,"section_3_links":2763,"slices":2766,"meta_title":2767,"meta_description":2768,"meta_image":2769},{"id":1331,"type":1332,"tags":2715,"lang":13,"slug":94,"first_publication_date":1334,"last_publication_date":1335,"uid":94,"link_type":43,"key":2716,"isBroken":45},[],"95f399ad-0a56-4a2e-8f1c-c5d13e76ac04",{"id":1338,"type":1339,"tags":2718,"lang":13,"slug":1341,"first_publication_date":1342,"last_publication_date":1343,"uid":1341,"link_type":43,"key":2719,"isBroken":45},[],"4059ff6a-f38a-4ad5-aedb-1f4ea9ebfa6f","Baufinanzierungs-Vergleiche – die besten Angebote für Ihre Immobilienfinanzierung",[2722],{"type":1031,"text":2723,"spans":2724,"direction":1034},"Ob Hypothekenzinsen, Bausparvertrag oder Forward-Darlehen: Mit den FMH-Vergleichsrechnern finden Sie das Angebot, das zu Ihrer Baufinanzierung passt. 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Denn das würde das (aktuelle ohnehin schleppende Geschäft) erst recht abwürgen.",[],{"type":1031,"text":3723,"spans":3724,"direction":1034},"Die Fakten rechtfertigen es aber nicht, die Furcht vor steigenden Bauzinsen hochzuhalten.",[],{"type":1521,"text":3726,"spans":3727,"direction":1034},"Deutschland erholt sich",[],{"type":1031,"text":3729,"spans":3730,"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":3732,"spans":3733,"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":1379,"version":1380,"items":3736,"primary":3737,"id":3935,"slice_type":1970,"slice_label":5},[],{"title":3738,"table":3739},"So stehen die G7-Staaten ökonomisch dar",{"body":3740},{"rows":3741},[3742,3766,3787,3808,3829,3850,3871,3892,3913],{"key":3743,"cells":3744},"7bc77a84-c231-44b9-a1be-d1a92150174c",[3745,3752,3759],{"key":3746,"type":1601,"content":3747},"f4095a2c-3bd2-4e99-bb92-c139290e403a",[3748],{"type":1031,"text":3749,"spans":3750,"direction":1034},"Staat",[3751],{"start":24,"end":2327,"type":1372},{"key":3753,"type":1601,"content":3754},"f9cf1a0d-cc9e-45a2-9473-0cc0633e9d97",[3755],{"type":1031,"text":3756,"spans":3757,"direction":1034},"Rendite 10-jährige Staatsanleihe",[3758],{"start":24,"end":2201,"type":1372},{"key":3760,"type":1601,"content":3761},"0b75f6ac-a318-4f7b-81cc-4780e935dc4a",[3762],{"type":1031,"text":3763,"spans":3764,"direction":1034},"Bruttostaatsschulden",[3765],{"start":24,"end":2033,"type":1372},{"key":3767,"cells":3768},"e54758fe-f2c3-4e46-b854-88f8aff53c72",[3769,3775,3781],{"key":3770,"type":1601,"content":3771},"670eab8f-1063-4029-b5a3-45acd7f59b90",[3772],{"type":1031,"text":3773,"spans":3774,"direction":1034},"Deutschland",[],{"key":3776,"type":1601,"content":3777},"ee6d1b32-e986-44af-af28-f7ec2091879d",[3778],{"type":1031,"text":3779,"spans":3780,"direction":1034},"3,40 Prozent",[],{"key":3782,"type":1601,"content":3783},"41854fc6-0016-4464-8b40-ef7a6ae3876f",[3784],{"type":1031,"text":3785,"spans":3786,"direction":1034},"62,7 Prozent des BIP",[],{"key":3788,"cells":3789},"08078b28-0fcd-4f5d-b745-aa0e68c3a66c",[3790,3796,3802],{"key":3791,"type":1601,"content":3792},"f1991c58-c907-4491-8f01-4fd72c316e20",[3793],{"type":1031,"text":3794,"spans":3795,"direction":1034},"Frankreich",[],{"key":3797,"type":1601,"content":3798},"26c4c9ba-8213-48e8-b4ef-0489fa8a0f9a",[3799],{"type":1031,"text":3800,"spans":3801,"direction":1034},"5,05 Prozent",[],{"key":3803,"type":1601,"content":3804},"02428c84-735e-4652-87cc-e215cb900c65",[3805],{"type":1031,"text":3806,"spans":3807,"direction":1034},"115,5 Prozent des BIP",[],{"key":3809,"cells":3810},"372e2450-f6ab-42e6-8f2c-cd4bb11e4d4c",[3811,3817,3823],{"key":3812,"type":1601,"content":3813},"7a78aeb9-9175-4a00-89e2-897bdc75b4e8",[3814],{"type":1031,"text":3815,"spans":3816,"direction":1034},"Italien",[],{"key":3818,"type":1601,"content":3819},"14d9e97a-fe41-474c-a07c-78559c57de04",[3820],{"type":1031,"text":3821,"spans":3822,"direction":1034},"4,63 Prozent",[],{"key":3824,"type":1601,"content":3825},"c4d04aed-f84a-4f06-96fb-971b8a87937d",[3826],{"type":1031,"text":3827,"spans":3828,"direction":1034},"137,1 Prozent des BIP",[],{"key":3830,"cells":3831},"680b84fc-3cc3-40ee-b2a0-ec11fd652bb3",[3832,3838,3844],{"key":3833,"type":1601,"content":3834},"e0c78773-dc4d-40e4-8ef6-9fcde6b10671",[3835],{"type":1031,"text":3836,"spans":3837,"direction":1034},"Japan",[],{"key":3839,"type":1601,"content":3840},"8a163f4e-bd60-48fe-a4c0-d2fb220d6bea",[3841],{"type":1031,"text":3842,"spans":3843,"direction":1034},"2,86 Prozent",[],{"key":3845,"type":1601,"content":3846},"c6a73899-4405-4344-a6a9-540fde75e992",[3847],{"type":1031,"text":3848,"spans":3849,"direction":1034},"213,6 Prozent des BIP",[],{"key":3851,"cells":3852},"51e549ba-18e3-4177-9fe0-19dccdd6c65c",[3853,3859,3865],{"key":3854,"type":1601,"content":3855},"04911327-7140-42ff-8402-3975688fc93a",[3856],{"type":1031,"text":3857,"spans":3858,"direction":1034},"Kanada",[],{"key":3860,"type":1601,"content":3861},"bfdea7d6-e332-4b51-b3f2-a15a00f10dc5",[3862],{"type":1031,"text":3863,"spans":3864,"direction":1034},"3,79 Prozent",[],{"key":3866,"type":1601,"content":3867},"910a1998-7fad-4198-9ad5-c22dfc01bb0f",[3868],{"type":1031,"text":3869,"spans":3870,"direction":1034},"110,8 Prozent des BIP",[],{"key":3872,"cells":3873},"6e91976e-587e-484c-89ca-031a2e12e9a0",[3874,3880,3886],{"key":3875,"type":1601,"content":3876},"02a415bb-1d4d-4288-bcb2-3d017ebcc6f1",[3877],{"type":1031,"text":3878,"spans":3879,"direction":1034},"Vereinigtes Königreich",[],{"key":3881,"type":1601,"content":3882},"692afcfa-b6ba-4ba5-9697-bd5b708f7dc5",[3883],{"type":1031,"text":3884,"spans":3885,"direction":1034},"5,39 Prozent",[],{"key":3887,"type":1601,"content":3888},"dcca8ec5-0fa0-4c11-9325-b3bb80ac0018",[3889],{"type":1031,"text":3890,"spans":3891,"direction":1034},"102,1 Prozent des BIP",[],{"key":3893,"cells":3894},"3227faa2-5dc8-46ff-84cd-5b39157d8f6a",[3895,3901,3907],{"key":3896,"type":1601,"content":3897},"5cb147df-0c77-4da6-bb87-5a31a77091c7",[3898],{"type":1031,"text":3899,"spans":3900,"direction":1034},"USA",[],{"key":3902,"type":1601,"content":3903},"f8b6b80a-7400-4318-9916-6ea25f032349",[3904],{"type":1031,"text":3905,"spans":3906,"direction":1034},"5,08 Prozent",[],{"key":3908,"type":1601,"content":3909},"386da6a0-aeeb-41b2-9ae9-2f137c9d630d",[3910],{"type":1031,"text":3911,"spans":3912,"direction":1034},"124,4 Prozent des BIP",[],{"key":3914,"cells":3915},"d94271c4-0fcc-48b5-a42d-d67bc6eb9b15",[3916,3925,3930],{"key":3917,"type":1601,"content":3918},"da2db929-bccc-4639-9903-e4fdab472ba6",[3919],{"type":1031,"text":3920,"spans":3921,"direction":1034},"Quelle: IWF \u002F imf.org",[3922],{"start":2378,"end":1407,"type":1367,"data":3923},{"link_type":49,"url":3924,"target":52},"https:\u002F\u002Fwww.imf.org\u002Fen\u002Fhome",{"key":3926,"type":1601,"content":3927},"d0aef61c-477c-451d-ae2b-23d1e4f20fe6",[3928],{"type":1031,"text":1518,"spans":3929,"direction":1034},[],{"key":3931,"type":1601,"content":3932},"5b927069-d7b8-4efd-8018-21477969133e",[3933],{"type":1031,"text":1518,"spans":3934,"direction":1034},[],"basic_table$7b2df62c-06bd-456f-b258-8b27d0a85781",{"variation":1379,"version":1380,"items":3937,"primary":3938,"id":4004,"slice_type":1485,"slice_label":5},[],{"text":3939,"chart_alt":4003},[3940,3943,3946,3954,3957,3960,3963,3966,3969,3977,3980,3982,3986,3988,4001],{"type":1031,"text":3941,"spans":3942,"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":3944,"spans":3945,"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":3947,"spans":3948,"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.",[3949],{"start":3950,"end":3951,"type":1367,"data":3952},201,292,{"link_type":49,"url":3953,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fwirtschaft\u002FDIW-hebt-Wachstumsprognose-fuer-deutsche-Wirtschaft-deutlich-an-id31261289.html",{"type":1031,"text":3955,"spans":3956,"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":3958,"spans":3959,"direction":1034},"Auch in der momentanen Situation könnte Deutschland wieder der Einäugige unter den Blinden sein. ",[],{"type":1521,"text":3961,"spans":3962,"direction":1034},"Veränderte Rahmenbedingungen führen zu angepassten Prognosen",[],{"type":1031,"text":3964,"spans":3965,"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":3967,"spans":3968,"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":3970,"spans":3971,"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.“ ",[3972],{"start":3973,"end":3974,"type":1367,"data":3975},117,127,{"link_type":49,"url":3976,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fvermittler\u002Fthomas-ruf",{"type":1031,"text":3978,"spans":3979,"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":1518,"spans":3981,"direction":1034},[],{"type":2064,"oembed":3983},{"embed_url":3984,"type":2067,"version":2068,"provider_name":2069,"thumbnail_url":3984,"html":3985,"url":3984},"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":1518,"spans":3987,"direction":1034},[],{"type":1031,"text":3989,"spans":3990,"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.",[3991,3996],{"start":3992,"end":3993,"type":1367,"data":3994},181,197,{"id":558,"type":107,"tags":3995,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"start":3997,"end":3998,"type":1367,"data":3999},289,331,{"id":578,"type":579,"tags":4000,"lang":13,"slug":581,"first_publication_date":582,"last_publication_date":583,"url":584,"link_type":43,"isBroken":45},[],{"type":1031,"text":1518,"spans":4002,"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":4008,"alt":3696,"copyright":3697,"url":4011,"id":3699,"edit":4012},{"width":4009,"height":4010},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":4013,"zoom":25,"background":26},85,{"id":4015,"uid":3668,"url":4016,"type":319,"href":4017,"tags":4018,"first_publication_date":4019,"last_publication_date":4020,"slugs":4021,"linked_documents":4023,"lang":13,"alternate_languages":4024,"data":4025},"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",[4022],"2026-08-24",[],[],{"publication_date":4022,"last_edit_date":4022,"set_last_edit_date_today":45,"title":4026,"subtitle":4027,"breadcrumb_title":5,"topic":4028,"teaser":4031,"author":4035,"cover":4038,"cover_position":1359,"table_of_content":4045,"toc_calculator":1375,"toc_selection":1376,"carousel_topic_filter":4046,"slices":4049,"meta_title":4106,"meta_description":4107,"meta_image":4108,"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":4029,"lang":13,"slug":94,"first_publication_date":1334,"last_publication_date":1335,"uid":94,"link_type":43,"key":4030,"isBroken":45},[],"2d679e0c-dc75-41f0-a6dd-9153ed1a3537",[4032],{"type":1031,"text":4033,"spans":4034,"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":1351,"type":1352,"tags":4036,"lang":13,"slug":1354,"first_publication_date":1355,"last_publication_date":1356,"uid":1354,"link_type":43,"key":4037,"isBroken":45},[],"12496f76-a6b9-48ca-b767-1b308703bc93",{"dimensions":4039,"alt":4040,"copyright":4041,"url":4042,"id":4043,"edit":4044},{"width":2727,"height":2728},"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":4047,"lang":13,"slug":94,"first_publication_date":1334,"last_publication_date":1335,"uid":94,"link_type":43,"key":4048,"isBroken":45},[],"23fbd898-f3a9-41f7-9e1a-753f1e158808",[4050],{"variation":1379,"version":1380,"items":4051,"primary":4052,"id":4105,"slice_type":1485,"slice_label":5},[],{"text":4053,"chart_alt":4104},[4054,4057,4060,4063,4066,4069,4075,4079,4082,4085,4088,4095,4098,4101],{"type":1031,"text":4055,"spans":4056,"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":4058,"spans":4059,"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":4061,"spans":4062,"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":4064,"spans":4065,"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":4067,"spans":4068,"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":4070,"spans":4071,"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.  ",[4072],{"start":2445,"end":1454,"type":1367,"data":4073},{"link_type":49,"url":4074,"target":52},"https:\u002F\u002Fwww.tagesschau.de\u002Fwirtschaft\u002Fverbraucher\u002Fbauzinsen-hypotheken-immobilien-kauf-100.html",{"type":2064,"oembed":4076},{"embed_url":4077,"type":2067,"version":2068,"provider_name":2069,"thumbnail_url":4077,"html":4078,"url":4077},"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":4080,"spans":4081,"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":4083,"spans":4084,"direction":1034},"Kaufinteressenten, die kurzfristig auf sinkende Bauzinsen hoffen und die Kaufentscheidung deshalb verschieben, könnte daher enttäuscht werden.  ",[],{"type":1031,"text":4086,"spans":4087,"direction":1034},"Unsere Ratschläge an alle potenziellen Erwerber lauten daher: ",[],{"type":1417,"text":4089,"spans":4090,"direction":1034},"Wer heute finanzieren kann, sollte heute finanzieren.  ",[4091],{"start":4092,"end":1365,"type":1367,"data":4093},35,{"id":558,"type":107,"tags":4094,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"type":1417,"text":4096,"spans":4097,"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":1417,"text":4099,"spans":4100,"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":1417,"text":4102,"spans":4103,"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":4110,"uid":3669,"url":4111,"type":319,"href":4112,"tags":4113,"first_publication_date":4114,"last_publication_date":4115,"slugs":4116,"linked_documents":4118,"lang":13,"alternate_languages":4119,"data":4120},"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",[4117],"sinkende-bauzinsen--nur-ein-vorubergehendes-phanomen",[],[],{"publication_date":4121,"last_edit_date":4121,"set_last_edit_date_today":45,"title":4122,"subtitle":5,"breadcrumb_title":5,"topic":4123,"teaser":4126,"author":4132,"cover":4135,"cover_position":1359,"table_of_content":4144,"toc_calculator":1375,"toc_selection":3701,"carousel_topic_filter":4145,"slices":4146,"meta_title":4206,"meta_description":4207,"meta_image":4208,"meta_indexed":1346},"2026-06-26","Die Bauzinsen sinken wieder – doch ist das schon die Trendwende?",{"id":1331,"type":1332,"tags":4124,"lang":13,"slug":94,"first_publication_date":1334,"last_publication_date":1335,"uid":94,"link_type":43,"key":4125,"isBroken":45},[],"3d4ea8e3-01c3-45d2-8f48-fb5b85a4be4c",[4127],{"type":1031,"text":4128,"spans":4129,"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.",[4130],{"start":24,"end":4131,"type":2622},242,{"id":1351,"type":1352,"tags":4133,"lang":13,"slug":1354,"first_publication_date":1355,"last_publication_date":1356,"uid":1354,"link_type":43,"key":4134,"isBroken":45},[],"a66a6597-15d1-48f8-bb12-50c10ae4e53a",{"dimensions":4136,"alt":4139,"copyright":4140,"url":4141,"id":4142,"edit":4143},{"width":4137,"height":4138},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},[4147],{"variation":1379,"version":1380,"items":4148,"primary":4149,"id":4205,"slice_type":1485,"slice_label":5},[],{"text":4150,"chart_alt":5},[4151,4154,4157,4165,4168,4171,4174,4177,4180,4183,4186,4189,4192,4199,4202],{"type":1031,"text":4152,"spans":4153,"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":1417,"text":4155,"spans":4156,"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":1417,"text":4158,"spans":4159,"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.",[4160],{"start":4161,"end":4162,"type":1367,"data":4163},231,270,{"link_type":49,"url":4164,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fzinsentwicklung",{"type":1385,"text":4166,"spans":4167,"direction":1034},"Sinkende Bauzinsen – nur ein vorübergehendes Phänomen?",[],{"type":1031,"text":4169,"spans":4170,"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":4172,"spans":4173,"direction":1034},"Die Frage ist nur: Wird dieser Trend anhalten oder sehen wir gerade nur eine Delle bei den Bauzinsen?",[],{"type":1031,"text":4175,"spans":4176,"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":1385,"text":4178,"spans":4179,"direction":1034},"Alles kann, nichts muss",[],{"type":1031,"text":4181,"spans":4182,"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":4184,"spans":4185,"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":1385,"text":4187,"spans":4188,"direction":1034},"Lieber zugreifen als pokern",[],{"type":1031,"text":4190,"spans":4191,"direction":1034},"Wie also sollten Käufer und Eigentümer agieren, die dieser Tage eine Finanzierung brauchen?",[],{"type":1031,"text":4193,"spans":4194,"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.",[4195],{"start":4196,"end":3973,"type":1367,"data":4197},108,{"link_type":49,"url":4198,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fbaufinanzierung\u002Fangebote-vergleichen\u002Fhypothek",{"type":1031,"text":4200,"spans":4201,"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":4203,"spans":4204,"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":4209,"alt":4210,"copyright":4140,"url":4211,"id":4142,"edit":4212},{"width":4009,"height":4010},"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":4213,"zoom":25,"background":26},92]