For your future dream home
LBS-Bausparen (home savings plan) allows you tackle whatever the future may hold for you – whether that's buying, building or modernising your home. Setting up a home savings plan allows you build capital and to enjoy attractive fixed interest rates over the entire period of the plan. Owning your own home is also a safe investment for retirement that will pay off for years to come.
If you are receiving capital-forming payments from your employer, you can also pay them directly into your home savings plan and start creating a solid foundation for your future home. Depending on your circumstances, you might also qualify for other state subsidies or grants.
Your partner
Good advice
The earlier you start to save, the quicker you will be able to make your home dreams a reality. Speak to one of our advisers.
Security for the rest of your life
Owning your own home or apartment is a very secure investment for your future and for your retirement. Our home savings plans are always tailored to meet your particular needs and circumstances.
LBS-Bausparen (home savings plan) is an attractive way to finance your dream home with guaranteed fixed interest rates. Home savings plan also mean that you automatically qualify for fixed-interest rates for your home loan.
Your partner
This is how home saving plans work:
- When setting up a home savings plan, you will be asked to specify a home savings amount.
- Once this amount is ready to be drawn on, you can draw on the home savings plan.
- The home savings plan comprises your home savings plus interest and the low-interest home loan.
- Our repayment conditions are designed to allow you to plan far into the future, because the loan interest rate will be fixed right from the start.
- This means that you are simply using a combination of a home savings loan and a mortgage.
Good advice
The earlier you start to save, the quicker you will be able to make your home dreams a reality. Speak to one of our advisers.
Long-term investments and multiple benefits
Good to know: LBS-Bausparen (home savings plan) can also be used to make your home more energy efficient or to pay for something like a new bathroom. This will allow you to reduce your energy costs, will make your home more attractive and increase the value of your property.
Wise moves – thinking ahead: Adapting your property as your needs change over time means that you will be able to enjoy it for many years to come.
However, even if you don't have any plans to modernise your home at present, it always makes sense to save for doing so later on: LBS-Bausparen allows you to gradually build your savings in plenty of time to allow them to grow for when you need them.
Your partner
This is how home saving plans work:
- When setting up a home savings plan, you will be asked to specify a home savings amount.
- Once his amount is ready to be drawn on, you can draw on the home savings plan.
- The home savings plan comprises your home savings plus interest and the low-interest home loan.
- Our repayment conditions are designed to allow you to plan far into the future, because the loan interest rate will be fixed right from the start.
Good advice
No matter whether you are already planning to modernise your home or just want to create some savings for doing so in future – LBS-Bausparen is the perfect answer. Speak to one of our advisers.
Attractive loans
As soon as you have built up your savings under your home savings plan and they are ready to be drawn on, you will automatically qualify for a home loan at an attractive interest rate to make your home dreams come true.
Our repayment conditions are designed to allow you to plan far into the future, because the loan interest rate will be fixed right from the start. Our home loans can also be repaid in lump sum payments – at no extra charge – and as and when you wish to.
LBS-Bausparen is also a perfect option if you would like to make your home dreams a reality in a shorter period of time by simply combining your home savings plan with a mortgage – which means you will benefit from low loan interest rates and will make it into your own four walls faster.