Der Goldene Vertrag - (Golden Agreement)

  • 1.5% state bonus
  • Interest rate: 1.25% guaranteed fixed rate or variable rate (variable interest rate: 3% guaranteed for the first 12 months)
  • Six-year term
  • One-time deposit (minimum EUR 6.000)
  • Right to a low-cost home loan


This is the best product for anyone with a substantial sum to invest right away (for instance, from their last home loan savings account). With a Golden Agreement you pay in just once and watch your capital grow from year to year.

Golden Agreements are available with terms of six or ten years. The interest rate is adjusted once a year to reflect market trends.