s Bausparkasse offers its Goldener Vorsorgevertrag (Golden Retirement Saving Plan) to investors who already have substantial sum at their disposal, for instance, from their last home loan savings agreement. You make a single payment and from then on all you have to do is sit back and watch your capital grow — an option worth looking at as a road to still more returns.
- One-time payment of at least € 6,000
- Interest rate 1.0% p.a. fixed or 1.25% p.a. variable for the first 12 months
- Term 6 years
- No state bonus as used in combination with a second bonus advantaged home loan savings agreement
Term and interest rate
– 6-year term
– Fixed or variable interest rate
Fixed rate 1%
If you choose a variable rate plan your home loan savings rate is adjusted annually in line with interest rate movements. If interest rates rise, so does your home loan savings rate. Of course, the rate could also fall. Depending on overall interest rate trends, it can range between 0.75% and a healthy 3.47%. The initial interest rate for the first 12 months after concluding your new home loan savings agreement is 1.25%.
This product does not carry a government bonus as it is concluded in combination with a second bonus advantaged home loan savings agreement.
Home loan saver loan
As a home loan saver you also benefit from the offer of a loan at particularly attractive terms — to realise your dream of a place in the country, renovate your home or buy the flat next door that has just come on the market. Variable terms of between 10–30 years and low repayments could soon make your wishes come true.