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Achtung Zinsfalle! Hoffmann-Baufinanzierung

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Die Zinsen werden täglich neu bestimmt. Sie sind ein wichtiger Baustein bei der Finanzierung, aber nicht das entscheidende Kriterium.

Die Banken richten mit ihrer Werbung die Interessenten ausschließlich auf den möglichst niedrigsten Darlehenszins aus. Aber es werden keine finanzmathematischen Zusammenhänge erklärt.

Published in: Economy & Finance
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Achtung Zinsfalle! Hoffmann-Baufinanzierung

  1. 1. Achtung Zinsfalle!01.07.12 Henry Hoffmann Baufinanzierung 1
  2. 2. Der ZinssatzDIE JAGD NACH DEM GÜNSTIGSTEN ZINS 3,00% 3,50% 4,00% FOKUSIERUNG DURCH BANKEN
  3. 3. Die „Zinsfalle“ Praxisfall 2 Angebote Bausparkasse und Bankdarlehen 200.000 € Finanzierungsbedarf1.BSV: Vorfinanzierung: 3,30% Darlehen: 1,90% 13 Jahre 7 Jahre2. Bank-Darlehen (möglich seit Mitte 90er) 20 Jahre Zinssatz: 3,80 % Welches wählen Sie????
  4. 4. Bank-Annuitäten Darlehen nach 10 Jahren Kündigung möglich Anfängliche Tilgung 3,345% Gesamtaufwand 85.832 €
  5. 5. Bauspar-Finanzierung 200.000 € - Darlehen3,3% Zinsen- Guthaben 97.500 € 6.600 € p.a. Bauspardarlehen 102.500 € Zins 1,9% 0 Abschlussgebühr 2.000 € 13 Jahre 21 Jahre 85.800 €
  6. 6. Bauspar-Finanzierung 200.000€ 13 Jahre 21 Jahre ZUTEILUNG ? nicht garantiert! Zinsen bis Zuteilung: 85.800 € Zinsen bis Ende 7.731 € G-Zins 1,0% Guthaben 97.500 € Darlehensgebühr 2.000 € Abschlussgebühr: 2.000 € Risiko LV 4.000 € GESAMT: 99.531 € 13.711 € TEURER
  7. 7. FazitZinssätze sind sicherlich wichtig - aberentscheidend für den Gesamtaufwand ist dieGestaltung der Finanzierung und die TILGUNGEs geht nur um eines - IHR GELDWerden Sie zum Finanzierungs-„VERSTEHER“01.07.12 Henry Hoffmann Baufinanzierung 7
  8. 8. Kontaktdaten Henry Hoffmann Georg-Raab-Str. 10K 64319 Pfungstadt Tel: 06157-9386584 Fax:06157-9386583 Mobil: 01522-8960507 E-Mail: info@hoffmann-bf.de01.07.12 Henry Hoffmann Baufinanzierung 8

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