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Was ist besser für mich und meine Familie? Der Traum vom Eigenheim ist weit verbreitet – aber lohnt er sich wirklich? Unser Rechner liefert Ihnen eine sachliche Antwort, frei von Emotionen – und zeigt, ob sich der Kauf für Sie rechnet.",[],{"id":1353,"type":1354,"tags":1355,"lang":13,"slug":1356,"first_publication_date":1357,"last_publication_date":1358,"uid":1356,"link_type":43,"key":1359,"isBroken":45},"aNvqoxIAACQAg-TQ","author",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","70bf90a8-3856-4e53-baec-6cf39560b868",{},"Center",[],"Dekstop Only","-","h1, h2 + Slices",[1367,1382,1388],{"variation":1368,"version":1369,"items":1370,"primary":1371,"id":1380,"slice_type":1381,"slice_label":5},"default","initial",[],{"text":1372,"chart_alt":5},[1373,1377],{"type":1374,"text":1375,"spans":1376,"direction":1034},"heading2","Mieten oder kaufen? Unser Rechner zeigt, was sich für Sie lohnt.",[],{"type":1031,"text":1378,"spans":1379,"direction":1034},"Unterhalb des Rechners finden Sie Informationen, was der Rechner alles für Feinheiten beinhaltet, die Sie so sehr selten finden werden. Uns geht es dabei um eine unabhängige Auswertung - unbeeinflusst ob der Immobilien- oder der Aktienkauf favorisiert werden soll.",[],"text_block$71433ea8-88c3-4571-82ae-71fac4821abe","text_block",{"variation":1368,"version":1369,"items":1383,"primary":1384,"id":1386,"slice_type":1387,"slice_label":5},[],{"type":1385},"Mieten-oder-Kaufen-Rechner","calculator_embed$a221dd4e-6067-4469-91bd-89440c825b3a","calculator_embed",{"variation":1368,"version":1369,"items":1389,"primary":1390,"id":1588,"slice_type":1381,"slice_label":5},[],{"text":1391,"chart_alt":5},[1392,1395,1398,1405,1410,1415,1420,1423,1426,1431,1434,1439,1450,1455,1458,1461,1464,1467,1470,1473,1478,1482,1485,1488,1491,1494,1497,1500,1503,1508,1511,1514,1517,1520,1523,1526,1529,1534,1537,1540,1543,1546,1549,1552,1555,1558,1561,1565,1568,1571,1574,1577,1579,1582,1585],{"type":1374,"text":1393,"spans":1394,"direction":1034},"So funktioniert der FMH-Rechner „Mieten oder Kaufen“",[],{"type":1031,"text":1396,"spans":1397,"direction":1034},"Was bedeutet es langfristig für Ihr Vermögen, wenn Sie eine Immobilie kaufen oder weiter zur Miete wohnen? Der FMH-Rechner „Mieten oder Kaufen“ stellt beide Möglichkeiten anhand Ihrer Angaben und Annahmen gegenüber. Für diese sehr diffizilen Überlegungen fließen sehr viele flexible und individuelle Angaben mit ein – auch bezüglich der möglichen Entwicklungen in der Zukunft. Daher ist ein umfangreicher Fragenkatalog notwendig.",[],{"type":1031,"text":1399,"spans":1400,"direction":1034},"·         Angaben wenn Sie weiter zur Miete wohnen: Tragen Sie Ihre monatliche Kaltmiete, die erwartete Mietsteigerung und den Anlagezins für Ihre Ersparnisse ein (die später abgefragt werden). Geplante Mietwechsel und unterschiedliche Mietsteigerungen lassen sich ebenfalls berücksichtigen. Selbst unterschiedliche Mietsteigerungen können unterstellt werden.",[1401],{"start":1402,"end":1403,"type":1404},10,51,"strong",{"type":1031,"text":1406,"spans":1407,"direction":1034},"·         Angaben zum Immobilienerwerb: Was würde die ideale Immobilie kosten? Kaufpreis, Kaufnebenkosten und das eingesetztes Eigenkapital sind wichtig – Eigenkapital wird auch beim Mieter als Vermögensgrundlage verwendet. Legen Sie außerdem die erwartete Wertsteigerung der Immobilie und die Rücklagen für Renovierungen fest. Auch hier können unterschiedliche Wertsteigerungen unterstellt werden.",[1408],{"start":1402,"end":1409,"type":1404},39,{"type":1031,"text":1411,"spans":1412,"direction":1034},"·         Finanzierung wichtig für Gegenüberstellung: Wer noch in der Phase des Überlegens ist, hat selten aktuelle Zinsen parat. Kein Problem, unser Rechner ist mit unserer Bauzins-Datenbank verknüpt. Zu empfehlen ist eine lange Zinsbindung, um lange planbare Zeitreihen gegenüber stellen zu können.",[1413],{"start":1402,"end":1414,"type":1404},53,{"type":1031,"text":1416,"spans":1417,"direction":1034},"Bei diesem Rechner können Sie zwei Berechnungsvarianten mit einem Klick gleichzeitig sich anzeigen lassen.  Sofort sehen Sie den Effekt im Ergebnis, wenn Sie einen Parameter z.B. den Anlagezins des Eigenkapitals beim Mieter verändern. Die finanzielle Entwicklung beim Mieten und Kaufen über den gewählten Zeitraum wird aufgelistet. Eine weitere Besonderheit ist, dass der Vermieter auch sagen kann: Ich verwende die monatlich geringeren Kosten für ein angenehmeres Leben. Verändert die beiden Überlegungen und unterscheidet diesen Rechner vermutlich von allen anderen Rechnern dieser Art.",[1418],{"start":24,"end":1419,"type":1404},235,{"type":1031,"text":1421,"spans":1422,"direction":1034},"",[],{"type":1374,"text":1424,"spans":1425,"direction":1034},"Hilfe durch den FMH.de-Vergleichsrechner",[],{"type":1031,"text":1427,"spans":1428,"direction":1034},"Zahlen und Emotionen: Für die meisten Menschen ist der Kauf einer Immobilie die größte Investition ihres Lebens. Doch so wichtig es ist, sich mit den Zahlen und den eigenen finanziellen Möglichkeiten auseinanderzusetzen. Elementar ist es auch, Gefühl dafür zu entwickeln, wie sich das Leben durch den Erwerb einer Immobilie verändern kann – und welche Faktoren dabei eine Rolle spielen.",[1429],{"start":24,"end":1430,"type":1404},20,{"type":1031,"text":1432,"spans":1433,"direction":1034},"Damit Sie die richtige Antwort auf die Frage „Mieten oder Kaufen“ finden, haben wir dafür den FMH-Vergleichsrechner entwickelt. Er ist so konzipiert, dass er nicht nur den aktuellen Status quo ihres Mietvertrages mit einem etwaige Immobilienkauf vergleicht. Vielmehr lassen sich auch die möglichen Entwicklungen der Zukunft simulieren:",[],{"type":1031,"text":1435,"spans":1436,"direction":1034},"Simulation für „Mieten oder Kaufen“ Neben der aktuellen Miethöhe können Sie das Tool auch mit zu erwartenden unterschiedlichen Mieterhöhungen rechnen lassen. Zudem erfahren Sie, wie sich ihr Eigenkapital entwickeln würde, wenn sie es nicht ins Haus stecken, sondern anderweitig investieren würden. Parallel dazu ermittelt unser Rechner, mit welcher Wertsteigerung Sie bei Ihrer Immobilie rechnen können und welche Rücklagen Sie (etwa für die Instandhaltung Ihrer Immobilie) bilden müssen, um solide zu planen. Dabei lassen sich die Instandhaltungsrücklagen im Rechner unterschiedlich hoch ansetzen, um verschiedene Szenarien zu simulieren. Zudem sind auch alle Kaufnebenkosten als Ausgaben eingepreist, um Ihnen ein Gefühl für die Gesamtbelastungen zu vermitteln. Diese Punkte sind besonders wichtig, weil solche Kosten nur für Eigentümer, nicht aber für Mieter anfallen.",[1437],{"start":24,"end":1438,"type":1404},35,{"type":1031,"text":1440,"spans":1441,"direction":1034},"Der Rechner verwendet aktuelle Zinsen aus der FMH-Datenbank: Der Rechner liefert auch wichtige Erkenntnisse zu den Darlehenskosten. Neben aktuellen Zinsen inklusive aller Bedingungen aus der FMH-Bauzins Datenbank können Sie frei festlegen, mit welchem Zinssatz Sie nach der Zinsfestschreibung weiterrechnen wollen. Das ist wichtig, weil Käufer selten bereits nach der ersten Zinsfestschreibung schuldenfrei sind.",[1442,1444],{"start":24,"end":1443,"type":1404},61,{"start":1445,"end":1446,"type":1447,"data":1448},191,212,"hyperlink",{"id":558,"type":107,"tags":1449,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"type":1031,"text":1451,"spans":1452,"direction":1034},"Flexibilität in der Preis- und Kostensimulation: Ohne das Tool zu überfrachten sind zudem verschiedene flexible Angaben möglich, die die Lebenssituationen realistischer abbilden, denn 30 oder 40 Jahre Betrachtungszeitraum sind lange. So sehen Nutzer selbst bei minimalen Änderungen grafisch sofort, ob und welche langfristigen Auswirkungen bereits die Veränderung eines einzigen Faktors nach sich zieht. Sie können nicht nur einen sauberen mathematischen Vergleich abbilden – Mieter und Käufer haben immer die gleiche Ratenhöhe – sondern Sie können selbst festlegen, was wäre, wenn sie einen geringeren festen Betrag zur Kaltmiete sparen würden.",[1453],{"start":24,"end":1454,"type":1404},48,{"type":1031,"text":1456,"spans":1457,"direction":1034},"So erhalten Sie eine realistische Betrachtung, die den zwangsweisen Vermögensaufbau beim Immobilienbesitz verdeutlicht aber auch Varianten abbildet, die sich im Laufe eines Lebens ergeben können.",[],{"type":1374,"text":1459,"spans":1460,"direction":1034},"Vorteile eines Mietvertrages",[],{"type":1031,"text":1462,"spans":1463,"direction":1034},"Mieten ist vielleicht nicht sexy, hat aber unbestreitbare Vorzüge.",[],{"type":1031,"text":1465,"spans":1466,"direction":1034},"Auf der Habenseite stehen unter anderem eine relative Kostensicherheit und das Wissen, dass größere Investments der Vermieter übernehmen muss.",[],{"type":1031,"text":1468,"spans":1469,"direction":1034},"Mieter sind im Normalfall auch flexibler als Menschen, die ein Eigenheim bewohnen. Wer umziehen will, muss einfach nur kündigen und kann in eine größere oder kleinere Immobilie ziehen – oder den Wohnort wechseln.",[],{"type":1031,"text":1471,"spans":1472,"direction":1034},"Zudem ist die Kaltmiete meist niedriger als die Rate, die Eigentümer für Zins und Tilgung aufbringen müssen. Mieter können daher im Idealfall– neben den Kosten fürs Wohnen –zusätzlichen Vermögensaufbau betreiben. Bei den meisten Eigentümern dürften Investments neben Zins und Tilgung hingegen eher selten möglich sein.",[],{"type":1031,"text":1474,"spans":1475,"direction":1034},"Positive Aspekte für die Miete im Überblick",[1476],{"start":24,"end":1477,"type":1404},43,{"type":1479,"text":1480,"spans":1481,"direction":1034},"list-item","Wohnungswechsel sind kein allzu großes Problem.",[],{"type":1479,"text":1483,"spans":1484,"direction":1034},"Reparaturen werden vom Vermieter getragen.",[],{"type":1479,"text":1486,"spans":1487,"direction":1034},"Umzüge sind vergleichsweise problemlos.",[],{"type":1479,"text":1489,"spans":1490,"direction":1034},"Die Miete ist oft geringer als die Rate für Zins plus Tilgung.",[],{"type":1479,"text":1492,"spans":1493,"direction":1034},"Mögliches Anlagekapital steht zur freien Verfügung und ist nicht im Objekt gebunden.",[],{"type":1374,"text":1495,"spans":1496,"direction":1034},"Nachteile als Mieter",[],{"type":1031,"text":1498,"spans":1499,"direction":1034},"Nicht zu leugnen ist jedoch, dass auch Mieter inzwischen vor Problemen stehen. Zwar hat die Politik in den vergangenen Jahren viel getan, um Wohnen bezahlbar zu halten. Dennoch sind die Mieten nach Angaben des Statistischen Bundesamts in den vergangenen fünf Jahren um fast neun Prozent gestiegen.",[],{"type":1031,"text":1501,"spans":1502,"direction":1034},"Zudem müssen Mieter zumindest bei Verträgen mit Privatpersonen stets mit einer Kündigung ihres Vertrages rechnen und können nur in sehr begrenztem Umfang Einfluss auf die Gestaltung ihres Zuhauses nehmen.",[],{"type":1031,"text":1504,"spans":1505,"direction":1034},"Negative Aspekte im Überblick",[1506],{"start":24,"end":1507,"type":1404},29,{"type":1479,"text":1509,"spans":1510,"direction":1034},"Steigende Mieten sind normal",[],{"type":1479,"text":1512,"spans":1513,"direction":1034},"Eigenbedarfskündigung ist bei privaten Vermietern nicht ausgeschlossen",[],{"type":1479,"text":1515,"spans":1516,"direction":1034},"Wohnungsbaugesellschaften schöpfen alle gesetzlichen Möglichkeiten bezüglich Mietanpassung nach oben aus.",[],{"type":1374,"text":1518,"spans":1519,"direction":1034},"Vorteile des Immobilienkaufs",[],{"type":1031,"text":1521,"spans":1522,"direction":1034},"Der Kauf einer Immobilie hilft im Idealfall, langfristig Vermögenswerte zu schaffen. Das liegt nicht zuletzt an den Verpflichtungen gegenüber den Geldgebern, da Eigentümer ihr Darlehen mit festen Raten tilgen müssen.",[],{"type":1031,"text":1524,"spans":1525,"direction":1034},"Damit einher geht im Normalfall ein erheblicher Vermögensaufbau, zumal die Immobilienpreise in guten Lagen mit hoher Wahrscheinlichkeit auch in Zukunft steigen werden.",[],{"type":1031,"text":1527,"spans":1528,"direction":1034},"Eigentümer haben zudem mehr Freiheiten bei der Gestaltung ihres Wohnraums. Sie müssen keinen Vermieter fragen, welche Umbauten oder Ausbauten sie vornehmen dürfen und können z.B. auch beim Thema Energiesparen nach ihren eigenen Vorstellungen verfahren.",[],{"type":1031,"text":1530,"spans":1531,"direction":1034},"Positive Aspekte eines Eigenheims",[1532],{"start":24,"end":1533,"type":1404},33,{"type":1479,"text":1535,"spans":1536,"direction":1034},"Investition in Sachwert verliert zu Inflationszeiten nicht an Wert",[],{"type":1479,"text":1538,"spans":1539,"direction":1034},"Vermögensaufbau ist durch Darlehenstilgung fast sicher",[],{"type":1479,"text":1541,"spans":1542,"direction":1034},"Planungssicherheit bei langer Zinsbindung",[],{"type":1479,"text":1544,"spans":1545,"direction":1034},"Steuerfreier Verkauf der selbst genutzten Immobilie",[],{"type":1374,"text":1547,"spans":1548,"direction":1034},"Nachteile des Immobilienkaufs",[],{"type":1031,"text":1550,"spans":1551,"direction":1034},"Das Häuschen mit Garten und Platz für die Kinder oder eine bezahlbare Eigentumswohnung außerhalb der Großstadt ist eine schöne Sache. Allerdings sollten Kaufinteressenten auch die Schattenseiten eines solchen Modells bedenken Wer beispielsweise in der Stadt arbeitet, aber eine Immobilie im Umland erwirbt, weil die Preise dort attraktiver sind, muss in die Kalkulation auch die Kosten und den Zeitaufwand für die Fahrten zur Arbeit und zu Freizeitangeboten einstellen.",[],{"type":1031,"text":1553,"spans":1554,"direction":1034},"Zudem gilt es zu bedenken, dass Zins und Tilgung nicht die einzigen Belastungen sind, die Eigentümer stemmen müssen. Jedes Haus und jede Wohnung muss auch irgendwann renoviert oder repariert werden. Hierfür gilt es vorzusorgen.",[],{"type":1031,"text":1556,"spans":1557,"direction":1034},"Ein weiterer Negativ-Faktor der eigenen Immobilie ist die langfristige Bindung an das Objekt. Andes als bei einem Mietvertrag können Eigentümer nicht ohne Weiteres die Zelte abbrechen und sich eine neue Bleibe suchen, sondern müssen entweder einen Mieter oder einen Käufer finden für das Objekt. Und selbst wenn das gelingt, ist eine Aufgabe des Eigenheims innerhalb der ersten Jahre meist ein Verlustgeschäft: Immerhin liegen die Nebenkosten des Immobilienkaufs (Notarkosten, Grunderwerbsteuer etc.) je nach Region bei bis zu zehn Prozent. Diese müssen erst durch Wertsteigerung reingeholt werden.",[],{"type":1031,"text":1559,"spans":1560,"direction":1034}," ",[],{"type":1031,"text":1562,"spans":1563,"direction":1034},"Negative Punkte für Immobilienbesitzer im Überblick",[1564],{"start":24,"end":1403,"type":1404},{"type":1479,"text":1566,"spans":1567,"direction":1034},"Geringe Liquidität im Alltag, wenn das Gros der Gelder in den Schuldendienst fließt.",[],{"type":1479,"text":1569,"spans":1570,"direction":1034},"Zusätzliche Belastungen durch Instandhaltungsrücklagen.",[],{"type":1479,"text":1572,"spans":1573,"direction":1034},"Langfristige Bindung an einen Ort.",[],{"type":1479,"text":1575,"spans":1576,"direction":1034},"Weniger Flexibilität bei plötzlicher Veränderung der Lebensumstände.",[],{"type":1031,"text":1421,"spans":1578,"direction":1034},[],{"type":1374,"text":1580,"spans":1581,"direction":1034},"Zahlen sind wichtig – aber nicht alles",[],{"type":1031,"text":1583,"spans":1584,"direction":1034},"Ob es sich lohnt, eine Immobilie zu kaufen oder ob Mieten doch die bessere Option ist, hängt von zahlreichen individuellen Faktoren ab. Eine Hochrechnung zu den Zahlen und den finanziellen Auswirkungen der jeweiligen Varianten liefert unser Rechner. Auch wenn er keinen garantierten Zahlungsverlauf liefern kann – auch wir kennen die Entwicklung der Mieten, Immobilienpreise, Anlagezinsen und Hypothekenzinsen nicht im Voraus - kann er die mathematischen Überlegungen damit maßgeblich erleichtern und auf eine objektive Basis stellen.",[],{"type":1031,"text":1586,"spans":1587,"direction":1034},"Am Ende fließen in diese schwierige Entscheidung aber natürlich auch Ihre persönlichen Wünsche und Ziele ein. Der Rechner kann nur die Zahlen und ihre Auswirkungen liefern, den Rest müssen Sie selbst entscheiden. Die Kombination aus beidem hilft Ihnen hoffentlich, die richtige Entscheidung zu treffen.",[],"text_block$8513ab06-b5c5-4ccf-93fc-5d2d194931a2","Mieten oder Kaufen - Lohnt sich der Hauskauf?","Finden Sie mit unserem Rechner heraus, ob sich Kaufen oder Mieten für Sie lohnt. 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Leider leisten die meisten Online-Tools nicht mehr als jeder handelsübliche Taschenrechner.",[],"Finanzrechner Baufinanzierung",{"dimensions":1628,"alt":1631,"copyright":1632,"url":1633,"id":1634,"edit":1635},{"width":1629,"height":1630},1200,800,"3D-Grafik Haus auf Wolken","StockStyle, Shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQd2S7pReVYa37Ub_3d-grafik-haus-auf-wolken.png?auto=format,compress","aQd2S7pReVYa37Ub",{"x":24,"y":24,"zoom":25,"background":26},"Image Left, Links Right",[1638,1643,1648,1653,1658,1663,1669,1674,1679,1684],{"link":1639,"description":1642},{"id":610,"type":107,"tags":1640,"lang":13,"slug":612,"first_publication_date":613,"last_publication_date":614,"uid":615,"url":616,"link_type":43,"key":1641,"isBroken":45,"text":618},[],"1dc473c6-74fb-4c3e-a3b5-3741801d5c43","Finden Sie heraus, wie viel Haus oder Wohnung Sie sich wirklich leisten können – realistisch, klar und einfach berechnet.",{"link":1644,"description":1647},{"id":621,"type":107,"tags":1645,"lang":13,"slug":623,"first_publication_date":624,"last_publication_date":625,"uid":626,"url":627,"link_type":43,"key":1646,"isBroken":45,"text":1346},[],"db0ede0b-5617-417d-99a6-0c1dfbc90d76","Testen Sie, ob sich der Immobilienkauf für Sie lohnt und wann das Mieten die bessere Wahl ist.",{"link":1649,"description":1652},{"id":632,"type":107,"tags":1650,"lang":13,"slug":634,"first_publication_date":635,"last_publication_date":636,"uid":637,"url":638,"link_type":43,"key":1651,"isBroken":45,"text":640},[],"35384678-47d8-4962-b7b2-7a71eddbb266","Rechnen Sie schnell aus, welche Zusatzkosten beim Immobilienkauf anfallen. 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