• Using the home savings sum for new construction or purchasing a property
• Preparing for future real estate financing with the help of a building society
• Interest rate security for existing loans and upcoming renovations
• Saving with government incentives

With a home savings contract, you save a contractually agreed home savings amount over a longer period at a predetermined savings interest rate. Upon allocation of the contract, the building society grants you a home savings loan at a favorable, fixed, and guaranteed loan interest rate set at the beginning of the contract. 

• Guaranteed home savings loan at favorable interest rates
• Unlimited special repayment options at any time
• Flexible savings rates when accumulating the home savings amount
• Possible government subsidies for home savings
• Security of home savings deposits

Savings interest can be increased through government subsidies under certain conditions (including employee savings allowance, home construction premium). Some tariffs reward the waiver of a home savings loan with bonus interest. This results in an attractive overall return.

The deposits in home savings contracts are protected up to the statutory limit through membership in the Compensation Scheme of German Banks. 

Home savings are highly flexible. Whether you want to finance a project today or secure a low-interest rate for future financing or an existing loan, home savings can be tailored to your needs.