Wie habt ihr euer Haus finanziert?

#1

Hallo zusammen,

ich habe gelesen, dass man einen Kredit für 50.000 Euro abschließen kann. Ist dieser eigentlich frei nutzbar (in der Regel) oder gibt es für eine Baufinanzierung strengere Vorgaben?

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#2

Morgen.

Gutes Thema weil ich mich gerade auch mit dem Hauskauf befasse.
Und zwar haben wir uns bei der Bank schon mal schlau gemacht und es ist so, dass das Geld von der Bank direkt an den Verkäufer geht. Du zahlst dann den Betrag monatlich bei der Bank ab. So habe ich das verstanden, ich meine frei nutzbar wäre ja auch etwas komisch, das Geld braucht man ja für das Haus und nichts anderes.

Ich habe richtig schöne möblierte Business-Apartments in Stuttgart gefunden, die mir wirklich gut gefallen haben, da passt auch mein Büro endlich rein :slight_smile:
Bei der Bank war ich bereits, es müsste bei mir kein Problem sein das finanziert zu bekommen.

Wie schaut es bei dir aus ?

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#3

Wenn es eine Baufinanzierung ist, ist es wohl sachgebunden. Dafür sind die Zinsen ja günstiger. Aber Bausparverträge kann man nutzen wie man will, wenn man nur das Angesparte in Anspruch nimmt und kein Darlehen.

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#4

Wir hatten das Geld angespart. Dabei kam uns entgegen, dass wir einen Großteil geerbt haben. So war es dann doch noch mal deutlich leichter. Einen Kredit brauchten wir später doch noch, da wir alle Türen und Fenster ausgetauscht haben. Die alten waren uns nicht sicher genug. Dafür hat das Budget dann leider nicht mehr gereicht. Wir haben allerdings für einen normalen Kredit ohne Zweckgebundenheit abgeschlossen.

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#5

Ich denke, es ist gut, nur einen Kredit aufzunehmen

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#6

Hallo!

Wenn du einen Kredit beantragst, musst du den meisten Anbietern auch einen Verwendungszweck angeben. Gerade eine Baufinanzierung bzw. ein Immobilienkredit kommt mit milderen Anforderungen und Konditionen, da sie ja sachgebunden ist: https://www.kredite.de/immobilienkredit

Solang du den Kredit also noch nicht abbezahlt hast, hat die Bank mehr oder weniger das recht, dein Haus zu pfänden. Natürlich nur bei Nichtzahlungen.

LG

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#7

Wie soll man es denn finanziert haben, ganz normal durch eine Baufinanzierung.
Ich habe mich da auch mal mit beschäftigt und muss sagen, dass es wirklich sehr viele gute Angebote gab.
Wir haben damals einen Vergleich gemacht, die Zinsen verglichen und auch das passende Angebot gefunden.

Ein Eigenheim ist doch ein Traum des jeden.

Entweder

Reihenhaus
Einfamilienhaus
Bungalow
Wohnung
Villa ( Synonyme zum Eigenheim: https://www.kreuzwortraetsel.de/frage/EIGENHEIM )

Da muss man gucken wie das Budget ist und was man auch wirklich dafür bezahlen kann.
Aber muss natürlich jeder für sich entscheiden.

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