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Fachleuten.",[1369],{"start":24,"end":1370,"type":1361},48,[1372,1384,1395,1406],{"focus":1373},{"id":1374,"type":1375,"tags":1376,"lang":13,"slug":1377,"first_publication_date":1378,"last_publication_date":1379,"uid":1377,"data":1380,"link_type":43,"key":1383,"isBroken":45},"aPnV7hAAACIARZMp","focus",[],"beratung-unverheiratetes-paar","2025-10-23T07:15:01+0000","2026-07-17T11:17:12+0000",{"label":1381,"active":1382},"Beratung unverheiratetes Paar",true,"ac77e2c6-bc44-48e3-8c40-a132cd170bbf",{"focus":1385},{"id":1386,"type":1375,"tags":1387,"lang":13,"slug":1388,"first_publication_date":1389,"last_publication_date":1390,"uid":1391,"data":1392,"link_type":43,"key":1394,"isBroken":45},"aPnU2hAAACEARZEO",[],"kfw-und-offentliche-fordermittel","2025-10-23T07:10:30+0000","2026-07-17T11:36:02+0000","kfw-und-oeffentliche-foerdermittel",{"label":1393,"active":1382},"KfW und öffentliche Fördermittel","e01f0284-e6e5-418d-af66-b9d2c1a0ab4e",{"focus":1396},{"id":1397,"type":1375,"tags":1398,"lang":13,"slug":1399,"first_publication_date":1400,"last_publication_date":1401,"uid":1402,"data":1403,"link_type":43,"key":1405,"isBroken":45},"aPnVvBAAACAARZK_",[],"baufi-gesprach-auch-auf-englisch","2025-10-23T07:14:11+0000","2026-07-17T11:14:31+0000","baufi-gespraech-auch-auf-englisch",{"label":1404,"active":1382},"Baufi-Gespräch auch auf Englisch","b3f70ecc-46eb-418e-bafe-371129592ed2",{"focus":1407},{"id":1408,"type":1375,"tags":1409,"lang":13,"slug":1410,"first_publication_date":1411,"last_publication_date":1412,"uid":1410,"data":1413,"link_type":43,"key":1415,"isBroken":45},"aPnU_xAAAB8ARZFK",[],"vermietete-etw","2025-10-23T07:11:03+0000","2026-07-17T11:31:00+0000",{"label":1414,"active":1382},"Vermietete ETW","02f1a897-1bc1-455e-8aa3-0ede90dd4bf8","FMH & Handelsblatt","Thomas Ruf hat sich seit 2006 konsequent auf die Immobilienfinanzierung spezialisiert. Mit den Freien Finanzierern München begleitet er Privatkunden, Investoren und Unternehmen bei der Entwicklung maßgeschneiderter Finanzierungslösungen – unabhängig, bankenübergreifend und lösungsorientiert.\nEin Netzwerk aus über 300 Bank- und Finanzierungspartnern sowie persönliche Kontakte zu regionalen Entscheidern ermöglicht auch bei komplexen Vorhaben individuelle Finanzierungskonzepte. Das Leistungsfeld reicht von klassischen Immobilienfinanzierungen über Kapitalanlagen bis hin zu gewerblichen Projekten und WEG-Finanzierungen.\nFachliche Qualifikation, langjährige Erfahrung und ein gewachsenes Expertennetzwerk bilden die Grundlage für nachhaltige Finanzierungslösungen auf hohem Niveau.",{"link_type":49,"key":1419,"url":1420,"target":52,"text":1421},"71e36177-e607-450a-9697-f6a97d695bf4","https:\u002F\u002Fwww.fmh.de\u002Fvermittler\u002Fthomas-ruf","Zum Anbieter",[1423,1455,1479,1494,1535,1573,1592,1624,1650,1674,1712,1728],{"variation":1424,"version":1425,"items":1426,"primary":1427,"id":1453,"slice_type":1454,"slice_label":5},"default","initial",[],{"badge":5,"headline":1428,"description":1433,"button_label":1437,"button_aside_text":1438,"response_time_info":1439,"image":1443,"image_caption":1336,"video_url":1451,"video_poster":1452},[1429],{"type":1430,"text":1431,"spans":1432,"direction":1034},"heading1","Ihre Baufinanzierung\nmit Thomas Ruf",[],[1434],{"type":1031,"text":1435,"spans":1436,"direction":1034},"Wir von FMH sind von Thomas Ruf, Geschäftsführer von Freie Finanzierer München, überzeugt. Machen Sie sich selbst ein Bild und nehmen Sie Kontakt auf — er meldet sich werktags innerhalb von 24 Stunden bei Ihnen.",[],"Kontakt aufnehmen","Kostenlos & unverbindlich",[1440],{"type":1031,"text":1441,"spans":1442,"direction":1034},"Antwort innerhalb von 24 Stunden · kostenlos & unverbindlich",[],{"dimensions":1444,"alt":1336,"copyright":5,"url":1447,"id":1448,"edit":1449},{"width":1445,"height":1446},978,1222,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-handelsblatt\u002FlFXDAABp0eaonvtQ_Thomas-Ruf-Portrait.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C1249&w=978&h=1222","lFXDAABp0eaonvtQ",{"x":24,"y":24,"zoom":1450,"background":26},1.0003913150970674,{"link_type":49},{},"hero_vermittler$0f982dad-2603-4d69-bd05-34f3c0710085","hero_vermittler",{"variation":1424,"version":1425,"items":1456,"primary":1457,"id":1477,"slice_type":1478,"slice_label":5},[],{"benefit":1458},[1459,1465,1471],{"icon":1460,"text":1461},"mingcute:award-line",[1462],{"type":1031,"text":1463,"spans":1464,"direction":1034},"Zertifikat von FMH und Handelsblatt",[],{"icon":1466,"text":1467},"mingcute:shield-shape-line",[1468],{"type":1031,"text":1469,"spans":1470,"direction":1034},"FMH-Geprüfte Beratung und Betreuung",[],{"icon":1472,"text":1473},"mingcute:bank-line",[1474],{"type":1031,"text":1475,"spans":1476,"direction":1034},"Kontakt zu über 300 Banken",[],"benefits_bar$00522e3e-8a75-4938-9747-fc162e118a77","benefits_bar",{"variation":1424,"version":1425,"items":1480,"primary":1481,"id":1492,"slice_type":1493,"slice_label":5},[],{"pre_title":1482,"headline":1483,"description":1488},"Warum Thomas uns überzeugt",[1484],{"type":1485,"text":1486,"spans":1487,"direction":1034},"heading2","Von einem\u2028Baufi-Experten geprüft",[],[1489],{"type":1031,"text":1490,"spans":1491,"direction":1034},"Bevor FMH jemanden auszeichnet, schauen wir genau hin: Ein Baufi-Experte hat Thomas vor Ort geprüft — und er hat den Test klar bestanden. Für Sie bedeutet das:  Thomas ist ein Berater, der Sie rundum zu Ihrer Finanzierungssituation berät, für Sie die Angebotseinholung übernimmt und Sie begleitet, bis das Darlehen ausgezahlt ist und auf Wunsch noch länger.",[],"fmh_recommendation$15974be8-7851-41e7-960f-0079b4d66dac","fmh_recommendation",{"variation":1424,"version":1425,"items":1495,"primary":1496,"id":1533,"slice_type":1534,"slice_label":5},[],{"pre_title":1497,"headline":1498,"specializations":1502},"Stärken",[1499],{"type":1485,"text":1500,"spans":1501,"direction":1034},"Das hebt Thomas von anderen ab",[],[1503,1513,1523],{"icon":1504,"title":1505,"description":1509},"mingcute:home_3_line",[1506],{"type":1031,"text":1507,"spans":1508,"direction":1034},"Finanzierung von vermieteten Objekten",[],[1510],{"type":1031,"text":1511,"spans":1512,"direction":1034},"Die Finanzierung von vermieteten Objekten muss die Rentabilität des Objektes und der Finanzierung im Blick haben. Auch ohne steuerliche Beratung ist die Rendite nach Steuern sehr wichtig. Jeder Anlageentscheidung verändert den Finanzierungsaufbau. ",[],{"icon":1514,"title":1515,"description":1519},"mingcute:group-line",[1516],{"type":1031,"text":1517,"spans":1518,"direction":1034},"Beratung für unverheiratete Paare",[],[1520],{"type":1031,"text":1521,"spans":1522,"direction":1034},"Bei unverheirateten Paaren sollten Eigentumsanteile, Eigenkapital und gemeinsame Verpflichtungen früh verbindlich geklärt sein. Genau diese Besonderheiten sind in der Beratung Bestandteil des Finanzierungsgesprächs.",[],{"icon":1524,"title":1525,"description":1529},"mingcute:star_line",[1526],{"type":1031,"text":1527,"spans":1528,"direction":1034},"Förderung & KfW",[],[1530],{"type":1031,"text":1531,"spans":1532,"direction":1034},"Die komplexen und sich ständig verändernde Programme der KfW-Förderung und auch von Landesmitteln erfordern ein ständiges Umdenken und Abklopfen von Fördergeldern. ",[],"specializations$1df0bb05-07c1-44d2-8af2-66a9f4fb6c3f","specializations",{"variation":1424,"version":1425,"items":1536,"primary":1537,"id":1571,"slice_type":1572,"slice_label":5},[],{"pre_title":1538,"headline":1539,"proofs":1543},"Qualifikationen",[1540],{"type":1485,"text":1541,"spans":1542,"direction":1034},"Warum Sie bei Thomas\ngut aufgehoben sind",[],[1544,1553,1562],{"feature":1545,"benefit":1549},[1546],{"type":1031,"text":1547,"spans":1548,"direction":1034},"Seminare zu Wohnraumsanierung und KfW",[],[1550],{"type":1031,"text":1551,"spans":1552,"direction":1034},"Als Fachwirt Finanzberatung ist es für ihn selbstverständlich, regelmäßig Seminare zur Sanierung von Wohngebäuden zu besuchen, aber gleichzeitig auch regelmäßig Webinare mitzumachen zu Angebotsveränderungen und KfW-Anpassungen. ",[],{"feature":1554,"benefit":1558},[1555],{"type":1031,"text":1556,"spans":1557,"direction":1034},"Mitglied Prüfungsausschuss Baufinanzierungsvermittler",[],[1559],{"type":1031,"text":1560,"spans":1561,"direction":1034},"Als Mitglied im Prüfungsausschuss bei der IHK München und Oberbayern ist er gefordert, ständig auf dem Laufenden zu sein, um andere prüfen zu können. Dabei spielt im Hintergrund auch die beratende Tätigkeit eine große Rolle.",[],{"feature":1563,"benefit":1567},[1564],{"type":1031,"text":1565,"spans":1566,"direction":1034},"Von FMH geprüft",[],[1568],{"type":1031,"text":1569,"spans":1570,"direction":1034},"Er wollte selber geprüft werden, ob er den Vorstellungen von unabhängigen Unternehmen wie FMH und Handelsblatt entspricht. Er wollte nicht nur den Maßstab bei anderen anlegen, sondern sich selbst einschätzen lassen. War ein voller Erfolg.",[],"proofs$d3e43e59-20e3-4cb4-a4ee-db43656581b2","proofs",{"variation":1424,"version":1425,"items":1574,"primary":1575,"id":1590,"slice_type":1591,"slice_label":5},[],{"title":1576,"content":1577,"background_color":1589},"Thomas, was bedeutet eine gute Baufinanzierungsberatung für dich?",[1578,1584],{"type":1031,"text":1579,"spans":1580,"direction":1034},"\"Eine gute Baufinanzierungsberatung bedeutet für mich, über den Tellerrand hinauszuschauen. Dabei sollten nicht nur die Finanzierung selbst, sondern auch mögliche Risiken der Immobilie berücksichtigt werden, etwa Sanierungsbedarf, geringe Instandhaltungsrücklagen oder ein zu hoher Kaufpreis. Ebenso wichtig ist die Lebensphase der Kunden, denn daran sollte sich das Finanzierungskonzept orientieren. Junge Kunden möchten vielleicht zunächst in eine kleinere Immobilie investieren und ihre Traumimmobilie erst später kaufen. Dann stellt sich zum Beispiel die Frage, ob es sinnvoll ist, heute das gesamte Eigenkapital einzusetzen.",[1581],{"start":24,"end":1582,"type":1583},629,"em",{"type":1031,"text":1585,"spans":1586,"direction":1034},"Für mich ist entscheidend, meine Kunden umfassend auf den Immobilienkauf vorzubereiten. Sie erhalten von uns immer eine Wertindikation und unsere Einschätzung zur Immobilie. Dabei kommt es auch vor, dass wir vom Kauf abraten. Wichtig ist mir außerdem, unnötige Abschlussgebühren zu vermeiden und Chancen und Risiken eines Finanzierungskonzepts ehrlich abzuwägen. Auch als Wirtschaftsunternehmen vermitteln wir keine Finanzierungen mit unverhältnismäßig hohen Provisionen von mehr als 1,5 Prozent.\"",[1587],{"start":24,"end":1588,"type":1583},497,"Hellgrün","text_section$3714050f-a4ef-4f0d-ae47-27a576e463a2","text_section",{"variation":1424,"version":1425,"items":1593,"primary":1594,"id":1622,"slice_type":1623,"slice_label":5},[],{"pre_title":1595,"headline":1596,"testimonial_item":1600},"Bewertungen",[1597],{"type":1485,"text":1598,"spans":1599,"direction":1034},"Was Thomas' Kunden sagen",[],[1601,1608,1615],{"quote":1602,"name":1606,"location":5,"occasion":1607},[1603],{"type":1031,"text":1604,"spans":1605,"direction":1034},"\"Richtig gute Beratung. Das ganze geht weit über einfache Kreditvermittlung hinaus. Hier wird man super persönlich betreut und auch ganzheitlich beraten und auf Stolpersteine und Gefahren hingewiesen. Ich kann die freien Finanzierer zu 100% weiterempfehlen!\"",[],"J. Vogel","Immobilienkauf zum Selbstbezug",{"quote":1609,"name":1613,"location":5,"occasion":1614},[1610],{"type":1031,"text":1611,"spans":1612,"direction":1034},"\"Besser geht es nicht – die Freien Finanzierer verstehen ihr Handwerk. Absolute Weiterempfehlung. [...] Thomas Ruf und Thomas Ebert beraten exzellent und umfassend – auch bei komplexen Finanzierungssituationen und weit über die Finanzierung hinaus. [...] Ohne die Freien Finanzierer hätte ich mein Traumhaus-Bauprojekt vermutlich aufgegeben. Danke für die tatkräftige Unterstützung.\"",[],"B. Hollerbush","Finanzierung Neubau",{"quote":1616,"name":1620,"location":5,"occasion":1621},[1617],{"type":1031,"text":1618,"spans":1619,"direction":1034},"\"Wir haben bereits mehrfach mit den Freien Finanzierern unsere Fragestellungen zur Immobilienfinanzierung besprochen. [...] Besonders begeistert sind wir von der ganzheitlichen Betrachtung, der Bandbreite an Empfehlungen und der wirklich neutralen Beratung. Die vermittelten Verträge waren immer sehr gut für uns passend. [...] Vielen Dank!\"",[],"A. Wast","Beratung zu Folgeprojekt","testimonials$354ae5a7-697f-4aa3-9f72-5bc99e4fa59d","testimonials",{"variation":1424,"version":1425,"items":1625,"primary":1626,"id":1648,"slice_type":1649,"slice_label":5},[],{"pre_title":1627,"award":1628},"Geprüft und ausgezeichnet",[1629,1639],{"label":1630,"image":1631},"FMH Zertifikat 1",{"dimensions":1632,"alt":1635,"copyright":5,"url":1636,"id":1637,"edit":1638},{"width":1633,"height":1634},500,734,"FMH Siegel Geprüft & Gecheckt","https:\u002F\u002Fimages.prismic.io\u002Ffmh-handelsblatt\u002Fyh2TRjIR1SrTN-IM_fmh-Zertifikat-Siegel-thomas-ruf-png.png?auto=format,compress","yh2TRjIR1SrTN-IM",{"x":24,"y":24,"zoom":25,"background":26},{"label":1640,"image":1641},"FMH Zertifikat 2",{"dimensions":1642,"alt":1644,"copyright":5,"url":1645,"id":1646,"edit":1647},{"width":1643,"height":1643},2000,"FMH Zertifikat Geprüft & Gecheckt","https:\u002F\u002Fimages.prismic.io\u002Ffmh-handelsblatt\u002F4L1M6nQMogI7kuYj_fmh-zertifikat-thomas-ruf.jpg?auto=format,compress","4L1M6nQMogI7kuYj",{"x":24,"y":24,"zoom":25,"background":26},"awards$19ee17b8-7d60-4d0d-a76d-8f21e1694595","awards",{"variation":1424,"version":1425,"items":1651,"primary":1652,"id":1672,"slice_type":1673,"slice_label":5},[],{"pre_title":1653,"Headline":1654,"ratings":1658,"hint":5},"Das Ergebnis",[1655],{"type":1485,"text":1656,"spans":1657,"direction":1034},"So hat Thomas abgeschnitten",[],[1659,1663,1666,1669],{"criterion":1660,"grade":1661,"weight":1662},"Technische Expertise & digitale Präsenz",15,"Ausgezeichnet",{"criterion":1664,"grade":1665,"weight":1662},"Service & Beratungsqualität",50,{"criterion":1667,"grade":1668,"weight":1662},"Betreuung & Prozessqualität",20,{"criterion":1670,"grade":1661,"weight":1671},"Kundenbindung & Unternehmensprofessionalität","Sehr gut","overall_verdict$9a52f05f-c107-451a-b2ef-749d52b3b738","overall_verdict",{"variation":1424,"version":1425,"items":1675,"primary":1676,"id":1710,"slice_type":1711,"slice_label":5},[],{"pre_title":1677,"headline":1678,"steps":1682},"So nehmen Sie Kontakt auf",[1679],{"type":1485,"text":1680,"spans":1681,"direction":1034},"In drei Schritten zur passenden Finanzierung",[],[1683,1692,1701],{"title":1684,"description":1688},[1685],{"type":1686,"text":1437,"spans":1687,"direction":1034},"heading3",[],[1689],{"type":1031,"text":1690,"spans":1691,"direction":1034},"Kurzes Formular ausfüllen — Thomas meldet sich werktags innerhalb von 24 Stunden bei Ihnen.",[],{"title":1693,"description":1697},[1694],{"type":1686,"text":1695,"spans":1696,"direction":1034},"Lage gemeinsam klären",[],[1698],{"type":1031,"text":1699,"spans":1700,"direction":1034},"Gemeinsam gehen Sie Ihre Situation durch, Thomas vergleicht die Banken und zeigt Ihnen die besten Wege.",[],{"title":1702,"description":1706},[1703],{"type":1686,"text":1704,"spans":1705,"direction":1034},"Finanzierung sichern",[],[1707],{"type":1031,"text":1708,"spans":1709,"direction":1034},"Sie entscheiden in Ruhe. Thomas begleitet Sie bis zur Auszahlung des Darlehens und auch noch länger.",[],"process_steps$2c43eb01-e08e-47bd-8a73-0ed9a0054aa6","process_steps",{"variation":1424,"version":1425,"items":1713,"primary":1714,"id":1726,"slice_type":1727,"slice_label":5},[],{"headline":1715,"description":1719,"cta_label":1723},[1716],{"type":1485,"text":1717,"spans":1718,"direction":1034},"Überzeugt? Nehmen Sie Kontakt auf",[],[1720],{"type":1031,"text":1721,"spans":1722,"direction":1034},"Thomas meldet sich werktags innerhalb von 24 Stunden bei Ihnen. Kostenlos und unverbindlich.",[],{"link_type":1724,"key":1725,"text":1437},"Any","10d129b5-fd3c-4230-a773-d21a8d8c7d23","final_call_to_action$2e13c036-da73-4cca-bd22-dc4fc53281e6","final_call_to_action",{"variation":1424,"version":1425,"items":1729,"primary":1730,"id":1747,"slice_type":1748,"slice_label":5},[],{"title":1731,"description":1732,"cta_button":1733,"items":1734},"Häufige Fragen\u2028direkt beantwortet",[],{"link_type":1724},[1735,1738,1741,1744],{"title":1736,"description":1737},"Was kostet mich die Beratung?","Das Erstgespräch und die Angebotserstellung sind für Sie kostenlos und unverbindlich. Die Entlohnung erfolgt über eine Erfolgsprovision vom Geldgeber.",{"title":1739,"description":1740},"Bin ich an etwas gebunden?","Nein, erstmal nicht. Erst wenn Sie den Darlehensvertrag vom Geldgeber unterschreiben.",{"title":1742,"description":1743},"Wie lange dauert es bis zur Darlehenszusage?","Die Dauer ist sehr individuell - kann innerhalb einer Woche sein, kann aber auch einige Wochen dauern.",{"title":1745,"description":1746},"Was brauche ich für das erste Kontakt-Gespräch?","Nur ein wenig Zeit - circa 30 Minuten, das idealerweise per Telefon oder Videocall erfolgt.","faq_section$35a3c4f7-2834-470f-982d-cc6a207338c6","faq_section","Baufinanzierung in München mit FMH Zertifikat | Thomas Ruf","Thomas Ruf berät Sie zur Baufinanzierung in München. Der Baufinanzierungsvermittler ist von FMH und Handelsblatt geprüft.",{}]