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mit neuem Bausparvertrag oder mit Annuitätendarlehen?",[1349,1352],{"type":1031,"text":1350,"spans":1351,"direction":1034},"Vergleichen Sie eine Baufinanzierung mit und ohne Bausparvertrag – transparent und realistisch",[],{"type":1031,"text":1353,"spans":1354,"direction":1034},"Vielleicht haben Sie bereits ein Angebot erhalten, bei dem das Bankdarlehen über einen neuen Bausparvertrag zurückgezahlt werden soll. Klingt gut – aber ist es wirklich die bessere Wahl?",[],{"id":1356,"type":1357,"tags":1358,"lang":13,"slug":1359,"first_publication_date":1360,"last_publication_date":1361,"uid":1359,"link_type":43,"key":1362,"isBroken":45},"aNvqoxIAACQAg-TQ","author",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","2db2d6eb-8864-4fed-b4dd-f3eaa7197052",{},"Center",[],"Dekstop Only","-","h1, h2, h3 + Slices",[1370,1414,1419],{"variation":1371,"version":1372,"items":1373,"primary":1374,"id":1412,"slice_type":1413,"slice_label":5},"default","initial",[],{"text":1375,"chart_alt":5},[1376,1380,1384,1387,1390,1397,1400,1403],{"type":1377,"text":1378,"spans":1379,"direction":1034},"heading2","Das Wichtigste in Kürze:",[],{"type":1381,"text":1382,"spans":1383,"direction":1034},"list-item","Sie sehen auf einen Blick, welche Finanzierungsform sich wann lohnt.",[],{"type":1381,"text":1385,"spans":1386,"direction":1034},"Nur die Betrachtung über die gesamte Finanzierungsdauer zählt.",[],{"type":1381,"text":1388,"spans":1389,"direction":1034},"Es gibt keine pauschale Aussage, welches Modell besser ist.",[],{"type":1381,"text":1391,"spans":1392,"direction":1034},"Unser Rechner „Bausparen vs. Annuitäten“ vergleicht beide Varianten objektiv.",[1393],{"start":1394,"end":1395,"type":1396},14,40,"strong",{"type":1381,"text":1398,"spans":1399,"direction":1034},"Er zeigt Ihnen, welche Lösung langfristig günstiger ist.",[],{"type":1031,"text":1401,"spans":1402,"direction":1034}," ",[],{"type":1031,"text":1404,"spans":1405,"direction":1034},"Die Berechnung kostet 6,99 Euro, kann Ihnen aber mehrere Tausend Euro sparen. Klicken Sie nach der Dateneingabe auf ‚Bausparmodell berechnen‘, um die Zahlung sicher via PayPal abzuschließen. Direkt im Anschluss erhalten Sie Ihr Ergebnis.",[1406,1409],{"start":1407,"end":1408,"type":1396},22,31,{"start":1410,"end":1411,"type":1396},49,76,"text_block$bcd2e71d-61a3-4b6f-bdf6-75d2b5ca3f91","text_block",{"variation":1371,"version":1372,"items":1415,"primary":1416,"id":1417,"slice_type":1418,"slice_label":5},[],{"type":1346},"calculator_embed$89809360-0660-4307-81cf-68316b647a5e","calculator_embed",{"variation":1371,"version":1372,"items":1420,"primary":1421,"id":1568,"slice_type":1413,"slice_label":5},[],{"text":1422,"chart_alt":5},[1423,1426,1429,1435,1440,1445,1450,1453,1456,1459,1470,1484,1487,1490,1493,1499,1506,1512,1515,1521,1529,1532,1535,1539,1547,1553,1556,1559,1562,1565],{"type":1377,"text":1424,"spans":1425,"direction":1034},"Viele Angaben für unseren Vergleich „Baufinanzierung mit oder ohne Bausparvertrag“",[],{"type":1031,"text":1427,"spans":1428,"direction":1034},"Mit diesem seltenen FMH-Rechner „Baufinanzierung mit oder ohne Bausparvertrag“ werden zwei mögliche Baufinanzierungsvarianten gegenübergestellt. Man kann einen Bausparvertrag ganz normal tilgen oder statt zu tilgen, einen Bausparvertrag abschließen, der später das Bankdarlehen ablöst. Das Bausparguthaben und das spätere Bauspardarlehen dienen anschließend dazu, das Bankdarlehen abzulösen. Für eine korrekte Aussage, welches Modell besser ist, ist es notwendig, alle Angaben ganz genau auszufüllen.",[],{"type":1031,"text":1430,"spans":1431,"direction":1034},"·         Bankdarlehen erfassen: Ausgangsbasis ist das normale Bankdarlehen mit Tilgung. Der Sollzinszins ist wichtig, weil dieser für die Ratenzahlung ausschlaggebend ist. Es wird nicht nach der Tilgung gefragt, weil diese in der monatlichen Rate schon enthalten ist. Ergänzen Sie Zahlungsbeginn und Anzahl der Raten sowie gegebenenfalls den angenommenen Zins nach Ende der Zinsbindung. Es wird dabei unterstellt, dass beide Modelle den gleichen Sollzinssatz von der Bank erhalten.",[1432],{"start":1433,"end":1434,"type":1396},10,32,{"type":1031,"text":1436,"spans":1437,"direction":1034},"·         Sparphase ergänzen: Hier geht es um die Besparung des Bausparvertrages. Sehr wichtig ist die Anzahl der Ansparraten und vorallem das genaue Guthaben, das nach Aussage der Bausparkasse vorhanden ist, wenn der Bausparvertrag das Bankdarlehen ablösen soll.",[1438],{"start":24,"end":1439,"type":1396},29,{"type":1031,"text":1441,"spans":1442,"direction":1034},"·         Bauspardarlehen eintragen: Hier geht es um die Zeit, nachdem der Bausparvertrag das Bankdarlehen abgelöst hat und jetzt das Bauspardarlehen getilgt werden muss. Ergänzen Sie Darlehenshöhe, Darlehenszins und gegebenenfalls ein Agio – einen vertraglich vereinbarten Aufschlag. Die Angaben zur Rückzahlung des Bauspardarlehens finden Sie in jedem seriösen Bausparangebot, weil die Rückzahlungsphase extrem wichtig ist. Dies wären der Beginn der Rückzahlung, Höhe und Anzahl der Rückzahlungsraten sowie die gesamte Anspar- und Tilgungsdauer.",[1443],{"start":1433,"end":1444,"type":1396},36,{"type":1031,"text":1446,"spans":1447,"direction":1034},"Der Rechner stellt die Finanzierung über beide Phasen gegenüber. Weil das Bausparmodell nicht so einfach abgeändert werden kann, wird in der Auswertung die Ratenhöhe des Bankdarlehens mit Tilgung so verändert, dass die gleichen Ratenhöhe vorhanden ist. Das schafft eine Grundlage für den Vergleich mit einer Baufinanzierung ohne Bausparvertrag: Ein niedriger Darlehenszins allein reicht dafür nicht aus; auch Sparzahlungen, Raten und Laufzeiten zählen.",[1448],{"start":24,"end":1449,"type":1396},65,{"type":1031,"text":1451,"spans":1452,"direction":1034},"Verwenden Sie am besten die Angaben aus einem konkreten Finanzierungsangebot, damit Sie verwertbare Angaben für beide Modelle haben.",[],{"type":1031,"text":1454,"spans":1455,"direction":1034},"",[],{"type":1377,"text":1457,"spans":1458,"direction":1034},"So funktioniert die Baufinanzierung mit und ohne Bausparvertrag",[],{"type":1031,"text":1460,"spans":1461,"direction":1034},"Zins- und Planungssicherheit sind bei der Baufinanzierung ein wichtiges Thema.\nBerater und auch viele Banker empfehlen daher gern ein Bankvorausdarlehen oder auch Sofortdarlehen genannt, das später mit einem Bausparvertrag getilgt wird. Wie der Name ausdrückt, bekommt man sofort ein Darlehen von der Bank, das später mit einem anzusparenden Bausparvertrag abgelöst wird. Das Modell bietet Vorteile – meist feste Zinsen in der Ansparzeit und auch die Darlehenszinsen des Bausparvertrages werden schon beim Abschluss des Bausparvertrages fest vereinbart. Also eine Zins- und Planungssicherheit vom ersten bis zum letzten Tag.",[1462,1464,1467],{"start":24,"end":1463,"type":1396},28,{"start":1465,"end":1466,"type":1396},134,185,{"start":1468,"end":1469,"type":1396},208,222,{"type":1031,"text":1471,"spans":1472,"direction":1034},"Allerdings der Vergleich einzelner Angebote fällt vielen Finanzierungskunden schwer:\nDie Modelle unterscheiden sich stark in Ratenhöhe, Zinsstruktur und in den unterschiedlichen Bauspartarifen.\nEin sinnvoller Vergleich ist nur möglich, wenn beide Varianten auf gleicher Ratenbasis betrachtet werden.",[1473,1475,1478,1481],{"start":1474,"end":1465,"type":1396},125,{"start":1476,"end":1477,"type":1396},136,148,{"start":1479,"end":1480,"type":1396},178,192,{"start":1482,"end":1483,"type":1396},241,280,{"type":1377,"text":1485,"spans":1486,"direction":1034},"Die Lösung ist eine intelligente rechnergestützte Analyse",[],{"type":1031,"text":1488,"spans":1489,"direction":1034},"Unser FMH-Rechner stellt beide Modelle rechnerisch gegenüber.",[],{"type":1031,"text":1491,"spans":1492,"direction":1034},"Dabei werden eigentlich nur die Angaben zum Bausparmodell abgefragt. Denn diese können nicht so ohne Weiteres angepasst oder verändert werden, weil dort viele der Angebotsangaben feste Bestandteile des Bausparvertrages sind. Anders ist es beim Annuitätendarlehen (Baudarlehen mit Tilgung), dort kann mit den Banken sehr oft eine relativ flexible Tilgung vereinbart werden. Beim Bankdarlehen wird am Ende nur der Zinssatz abgefragt und die Tilgungshöhen rechnerisch an die Bausparangebote angepasst, so dass bei beiden Modellen die gleiche Ratenhöhe vorhanden ist.",[],{"type":1031,"text":1494,"spans":1495,"direction":1034},"Beim klassischen Bankdarlehen folgt am Ende der Zinsbindung ein neues Anschlussdarlehen – mit unbekanntem Zinssatz. Beim Bausparmodell dagegen löst der zugeteilte Bausparvertrag das erste Darlehen ab – der Zinssatz und die Ratenhöhe sind beim Bausparmodell bekannt, weil Bestandteil des abgeschlossenen Bausparvertrages",[1496],{"start":1497,"end":1498,"type":1396},152,177,{"type":1031,"text":1500,"spans":1501,"direction":1034},"Das Besondere am FMH-Rechner ist die Ermittlung des Grenzzinses – also dem Zinssatz, der beim Annuitätendarlehen nach dem Ende der Zinsbindung gelten müsste, damit bei beiden Varianten eine gleichen Ratenhöhe und Finanzierungsdauer sich ergibt. So sehen Sie, ab welchem Zinsniveau sich das Bausparmodell lohnt.",[1502,1503],{"start":24,"end":1463,"type":1396},{"start":1504,"end":1505,"type":1396},52,63,{"type":1031,"text":1507,"spans":1508,"direction":1034},"Weil niemand die künftige Zinsentwicklung sicher vorhersagen kann, hilft der Rechner, Ihre Entscheidung auf eine faktenbasierte Grundlage zu stellen – statt auf Annahmen.",[1509],{"start":1510,"end":1511,"type":1396},113,137,{"type":1377,"text":1513,"spans":1514,"direction":1034},"Warum sich der Vergleich lohnt",[],{"type":1031,"text":1516,"spans":1517,"direction":1034},"Ohne fundierte Berechnung ist es fast unmöglich, eine Baufinanzierung mit oder ohne Bausparvertrag korrekt zu bewerten. Denn beide Modelle verlaufen finanzmathematisch völlig unterschiedlich.",[1518],{"start":1519,"end":1520,"type":1396},70,98,{"type":1031,"text":1522,"spans":1523,"direction":1034},"Beim Bausparmodell zahlen Sie zwar Abschlussgebühren von eins bis 1,6 Prozent der Bausparsumme, diese sind aber für die Gegenüberstellung unwichtig, weil diese und auch mögliche Servicekosten im Kontoverlauf des Bausparmodells berücksichtigt sind. Das Guthaben am Ende der Ansparzeit ist entsprechend geringer. Auch die geringen Guthabenzinsen beim Bausparmodell werden nicht abgefragt, weil auch diese Bestandteil des Guthabens- bzw. des möglichen Darlehnsbetrages sind.",[1524,1527],{"start":1525,"end":1526,"type":1396},5,18,{"start":1528,"end":1504,"type":1396},35,{"type":1031,"text":1530,"spans":1531,"direction":1034},"Der Verlauf der beiden Modelle zeigt, dass die Höhe des Bankvorausdarlehens mit dem Bausparvertrag sich nicht verändert, weil die Tilgung in den Bausparvertrag fließt. Das Guthaben im Bausparvertrag und das mögliche Bauspardarlehen lösen später das Bankdarlehen ab und es wird anschließend das Bauspardarlehen getilgt.",[],{"type":1031,"text":1533,"spans":1534,"direction":1034},"Beim Annuitätendarlehen führt jeder Tilgungsanteil zu einer Reduzierung der Restschuld, beim Bausparmodell erst wenn der Bausparvertrag zugeteilt ist.",[],{"type":1536,"text":1537,"spans":1538,"direction":1034},"heading3","Vorteile der Baufinanzierung mit einem Bausparvertrag",[],{"type":1031,"text":1540,"spans":1541,"direction":1034},"Das Bausparmodell bietet maximale Planungssicherheit:\nVom ersten bis zum letzten Tag wissen Sie, welche Raten und Zinsen gelten. Nach der Zuteilung löst der Bausparvertrag das Bankdarlehen ab – zu den bereits vereinbarten Bausparbedingungen. Es kann sein, dass das Bauspardarlehen das Bankdarlehen erst einige Monate nach dem Ende der Zinsfestschreibung ablöst, aber der Zeitraum ist überschaubar.",[1542,1544],{"start":1543,"end":1504,"type":1396},25,{"start":1545,"end":1546,"type":1396},201,240,{"type":1031,"text":1548,"spans":1549,"direction":1034},"Ein weiterer Vorteil:\nBauspardarlehen können jederzeit ganz oder teilweise vorzeitig ohne Vorfälligkeitsentschädigung zurückgezahlt werden. Das gibt Ihnen finanzielle Flexibilität, wenn sich Ihre Situation ändert.",[1550],{"start":1551,"end":1552,"type":1396},74,117,{"type":1536,"text":1554,"spans":1555,"direction":1034},"Nachteile des Bankvorausdarlehens mit einem Bausparvertrag",[],{"type":1031,"text":1557,"spans":1558,"direction":1034},"Auch wenn der Darlehenszins des Bausparvertrages meist sehr niedrig ist, kann es sein, dass der Rechner errechnet, das Bausparmodell lohnt sich erst, wenn der unbekannte Anschlusszins des Bankdarlehens zum Beispiel über sechs Prozent liegt.",[],{"type":1031,"text":1560,"spans":1561,"direction":1034},"Die Ursache dafür liegt in der Abschlussgebühr und den Guthabenzinsen von meist unter einem Prozent. Es ist sehr oft so, dass das Bausparguthaben bei Vertragszuteilung niedriger ist als die Summe der eingezahlten Beträge. Und dies hat dann manchmal zur Folge: Bausparen lohnt sich vielleicht nicht. ",[],{"type":1377,"text":1563,"spans":1564,"direction":1034},"Fazit:",[],{"type":1031,"text":1566,"spans":1567,"direction":1034},"Der Rechner Bausparen vs. Annuitäten soll eine Entscheidungshilfe für die Zukunft liefern, damit Sie ablesen können, wie hoch die Bankzinsen in zehn oder 15 Jahren sein müssen, damit sich das Bausparmodell lohnt. Wenn Sie dies wissen, gibt es zwar immer noch keine klare Entscheidungsaussage, aber zumindest erhalten Sie einen Zinssatz, den Sie eher in die Zinswahrscheinlichkeit einordnen können.",[],"text_block$08a4c184-043c-41b2-8bc7-743e2f91e864","Baufinanzierung mit Bausparvertrag vs. Annuitätendarlehen","Vergleichen Sie klassische Baufinanzierung & Bausparmodell. Sehen Sie, welche Variante langfristig günstiger ist.",{},{"id":1356,"uid":1359,"url":5,"type":1357,"href":1573,"tags":1574,"first_publication_date":1360,"last_publication_date":1361,"slugs":1575,"linked_documents":1576,"lang":13,"alternate_languages":1577,"data":1578},"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",[],[1359],[],[],{"image":1579,"name":1586,"description":1587},{"dimensions":1580,"alt":1582,"copyright":5,"url":1583,"id":1584,"edit":1585},{"width":1581,"height":1581},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":981,"uid":986,"url":987,"type":901,"href":1589,"tags":1590,"first_publication_date":984,"last_publication_date":985,"slugs":1591,"linked_documents":1592,"lang":13,"alternate_languages":1593,"data":1594},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aO-brxIAACIAZuYE%22%29+%5D%5D",[],[983],[],[],{"page_topic":1595,"page_type":1598,"title":1601,"textblock":1602,"section_1_title":1606,"section_1_image":1607,"section_1_layout":1616,"section_1_links":1617,"section_2_title":1606,"section_2_image":1670,"section_2_layout":1616,"section_2_links":1671,"section_3_title":5,"section_3_image":1672,"section_3_layout":1616,"section_3_links":1673,"slices":1674,"meta_title":1675,"meta_description":1676,"meta_image":1677},{"id":1331,"type":1332,"tags":1596,"lang":13,"slug":94,"first_publication_date":1334,"last_publication_date":1335,"uid":94,"link_type":43,"key":1597,"isBroken":45},[],"47fbb510-4ca4-445a-91d6-a26d9f490d53",{"id":1338,"type":1339,"tags":1599,"lang":13,"slug":1341,"first_publication_date":1342,"last_publication_date":1343,"uid":284,"link_type":43,"key":1600,"isBroken":45},[],"02986f0b-69d9-4324-b7f1-9b7a03b39af8","Schlaue Entscheidungshelfer für Baufinanzierungen & Co.",[1603],{"type":1031,"text":1604,"spans":1605,"direction":1034},"Finanzrechner zum Thema Baufinanzierung, Geldanlage oder Ratenkredit gibt es im Internet vermutlich so häufig wie Sandkörner am Strand. 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