HUK-COBURG: Savings And Mortgages

Bausparen for young people under 25 years

option savers

is the entry product in wealth creation - especially for
trainees and young professionals!

Why savers for young people important?

in the lives of young people are fundamentally changed. The school is over, the training begins, the first own-earned money ends up in the account.
A savings account is flexible. It can be any time to adjust to changing situations. With low monthly payments and free SAVE MONEY!
The state supports building society, with two equal premiums. Of these, due to the income limits especially benefit young people and trainees.
who already in training or already employees is who gets the boss can usually be something to wealth accumulation.
- RECOMMENDATION: Even if the employer did not grant to the capital formation (VL) are, can benefit the workers of the state support. He just has to be agreed with the employer that a portion of salary as VL is paid into the savings account.
Bausparen offers security, especially during times of difficult economic conditions
savers is the first step to own property. Should not the dream be realized, are still funds available for another dream. form
With purchase savings assets - flexible, safe and profitable!

What government support to get young people?

9% employee savings bonus on capital formation (VL)

workers can create your VL on a savings account. Your employer often contributes significantly to it.

1 Employee: up to 40 € per month or 480 € a year
two workers: a maximum of 80 € or 960 € a month every year
State grant: 9% per annum to a maximum of € 470 = € 42.30 per employee per year
The taxable income must not exceed € 17,900 / € 35,800 (single / married) be

8.8% premium on additional housing

own savings contributions as early as the 16th Age available. Funding contributions up to a height of:

Single: 43 € per month or 512 € a year
Married: 86 € per month or 1024 € per year
State grant: annual 8.8% to a maximum amount = € 45.06 per person
The taxable income allowed maximum (single married /) € 25,600 / € 51,200 be

The housing bonus:

Every young savers can benefit from starting at 16 years of state housing bonus.
The housing bonus, young savers a very big advantage: If it appears before the age of 25 Birthday complete a building society, they may over the balance - including the housing bonus - their savings agreement at the earliest after 7 years have once free. They are not tied to a residential use. This exemption can be claimed only once.

The employee savings bonus:

have already in training apprentices often claim to a collective saving schemes, paid by the boss. Then you get the deposit to a savings account the employee savings bonus.
Young people in particular benefit due to the lower income yet from this allowance.

Example calculation: Option savers with state funding

For young people under 25 years

Own
VL = employee capital WoP = housing bonus ASZ = employee savings bonus	VL	WoP	1 x 1 x VL WoP
Monthly Payment for WoP	€ 0	43 €	43 €
Monatliche Einzahlung für VL	40 €	0 €	40 €
Mindest-Bausparsumme	6.000 €	6.000 €	13.000 €
1,5% Zins p.a. + 2% p.a. Sonderzins	€ 434	€ 467 € 901
Government funding	€ 296	€ 315 € 611
savings after approx. 7 years	€ 4,090	€ 4,394 € 8,485
annual return	rd. 5%	rd. 5%	rd. 5%

inception 1.1;. 30 payments, acquisition fee of 1% of the savings will be paid separately. In the totals to promote saving for the last year is included. The loan is not used. The credit of the special interest is in a lump sum at termination or loan waiver until a period of 7 years. The special interest is the total return increases retroactive to 3.5% annually. Possible costs Compensation tax / surcharge and possibly church tax are not included. Stand 01.2009, changes in the legislature reserved.

More information about the option savers

home savings calculator

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