{"id":567,"date":"2023-09-19T09:14:03","date_gmt":"2023-09-19T07:14:03","guid":{"rendered":"https:\/\/b-k-consulting.com\/uncategorized\/baufinanzierung-und-die-kombination-mit-aktienfonds\/"},"modified":"2026-06-08T07:34:50","modified_gmt":"2026-06-08T05:34:50","slug":"construction-financing-and-its-combination-with-equity-funds","status":"publish","type":"post","link":"https:\/\/b-k-consulting.com\/en\/versicherungstipps\/baufinanzierung-und-die-kombination-mit-aktienfonds\/","title":{"rendered":"Home financing and its combination with equity funds"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":2568,"menu_order":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[11],"tags":[2877,2870,2884,2869],"class_list":["post-567","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-versicherungstipps","tag-altersvorsorge","tag-jannis-klemm","tag-kapitalanlage-immobilie","tag-philipp-badent"],"acf":{"header_address.Content":"","header_opening_hours.Content":"","header_phone_number.Content":"","child_entity.Value":"","001_page_meta.page_image10.Id":null,"001_page_meta.page_image9.Id":null,"001_page_meta.page_image8.Id":null,"001_page_meta.page_image7.Id":null,"001_page_meta.page_image6.Id":null,"001_page_meta.page_image5.Id":null,"001_page_meta.page_image4.Id":null,"001_page_meta.page_image3.Id":null,"001_page_meta.page_image2.Id":null,"001_page_meta.page_image1.Id":null,"0001_website_meta.site_logo.Id":169237,"galleries_enabled.Value":"true","multi_language_maps_enabled.Value":"false","001_page_meta.featured_image_mobile.Id":2568,"001_page_meta.featured_image.Id":534,"001_page_meta.content_image_3.Id":null,"001_page_meta.content_image_2.Id":null,"001_page_meta.content_image_1.Id":null,"parent_entity.Value":"Altersvorsorge","type_entity.Value":"Versicherungstipps","0001_website_meta.site_logo_inverted.Id":null,"02_hero_content.hero_image3.Id":486,"02_hero_content.image_hero_content3.Id":null,"02_hero_content.image_hero_content2.Id":null,"02_hero_content.image_hero_content1.Id":null,"heading_hero_benefit3.Content":"","heading_hero_benefit2.Content":"","heading_hero_benefit1.Content":"","heading_hero_slider.Content":"Unsere Partner","02_hero_content.hero_image8.Id":483,"02_hero_content.hero_image7.Id":484,"02_hero_content.hero_image6.Id":485,"02_hero_content.hero_image5.Id":487,"02_hero_content.hero_image4.Id":2535,"top_heading_hero.Content":"Maßgeschneiderte Lösungen für Investment, Versicherung und Finanzen","02_hero_content.hero_image2.Id":488,"02_hero_content.hero_image1.Id":482,"hero_content_form_benefit2.Content":"","hero_content_form_benefit1.Content":"","hero_content_form_benefit3.Content":"","hero_content_form.Value":"","hero_gallery_enabled.Value":"false","main_heading_hero_cta.Value":"\/produkte\/vertrags-check","main_heading_hero_cta.Attribute":"Vertrags-Check","sub_heading_hero.Content":"Digitale Innovationen - Steueroptimierte Investments - Individuelle Beratung ","main_heading_hero.Content":"Baufinanzierung und die Kombination mit Aktienfonds","subheading_contact_form.Content":"Jetzt Termin vereinbaren","contact_area_contact_form_phone_text.Content":"","contact_area_contact_form_name_text.Content":"","contact_area_contact_form_message_text.Content":"","contact_area_contact_form_mail_text.Content":"","contact_area_contact_form_button_text.Content":"","contact_form.Value":"1","contact_address.Content":"
Bergstrasse 31<\/div>\n
69469 Weinheim<\/div>","opening_hours.Content":"Mo. - Fr.: 08:00 - 19:00
Sa.: 08:00 - 17:00","map.Value":"","heading_contact_form.Content":"Kontakt","telephone.Value":"tel:\/\/+49 176 20926838","e-mail.Value":"mailto:info@b-k-consulting.com","e-mail.Attribute":"info@b-k-consulting.com","calendly_enabled.Value":"false","contact_image_enabled.Value":"","contact_maps_enabled.Value":"","calendly_url.Value":"","calendly_url.Attribute":"","online_form_name.Content":"","online_form_source.Value":"","testimonial3_customer.Content":"","04_social_proof.testimonial1_image.Id":null,"04_social_proof.testimonial2_image.Id":null,"04_social_proof.testimonial3_image.Id":null,"04_social_proof.google_places_review_image.Id":null,"04_social_proof.social_proof_background_image.Id":null,"heading_social_proof.Content":"","google_places_id2.Value":"","google_places_id.Value":"","testimonial1_customer.Content":"","testimonial1_text.Content":"","testimonial2_customer.Content":"","testimonial3_text.Content":"","testimonial2_text.Content":"","custom_reviews_enabled.Value":"","anwalt_de_widgetcode.Value":"","anwalt_de_enabled.Value":"","google_places_enabled.Value":"","google_places_reviews_enabled2.Value":"","google_places_reviews_enabled.Value":"","google_places_review_url2.Value":"","subheading_social_proof.Content":"","google_places_review_url.Value":"","social_proof_enabled.Value":"true","social_proof_disclaimer.Content":"","benefit_1_text.Content":"","05a_benefit_area.benefit_3_image.Id":null,"05a_benefit_area.benefit_2_image.Id":null,"05a_benefit_area.benefit_1_image.Id":null,"05a_benefit_area_enabled.Value":"true","benefit_heading_enabled.value":"false","benefit_heading.Content":"","benefit_3_text.Content":"","benefit_3_heading.Content":"","benefit_3_icon.Id":"","benefit_2_text.Content":"","benefit_2_heading.Content":"","benefit_2_icon.Id":"","benefit_1_icon.Id":"","benefit_1_heading.Content":"","benefit_1_widgetcode.Content":"","benefit_2_widgetcode.Content":"","benefit_3_widgetcode.Content":"","intro_heading.Content":"Tausende Euro Ersparnis f\u00fcr Immobilienk\u00e4ufer","intro_text.Content":"

Eine vorteilhafte Option f\u00fcr Immobilienk\u00e4ufer mit ausreichend Eigenkapital ist die Erg\u00e4nzung ihrer Finanzierung durch Investitionen in Fonds<\/strong>. Die Stiftung Warentest untersucht, unter welchen Bedingungen sich dies finanziell lohnt.<\/span><\/p>\n

Die \u00c4ra der niedrigen Bauzinsen hat vorerst ein Ende gefunden: Seit Anfang 2022 ist der Durchschnittszinssatz f\u00fcr die Immobilienfinanzierung um 2,5 Prozentpunkte gestiegen. Aktuell belaufen sich die Zinss\u00e4tze auf 4,1 bis 4,5 Prozent effektiv, abh\u00e4ngig von der H\u00f6he des Kreditbetrags und des eingebrachten Eigenkapitals. Diese Entwicklung hat auch Auswirkungen auf die Rahmenbedingungen f\u00fcr angehende Immobilienbesitzer und Bauherren. Wir stehen dir jedoch weiterhin zur Seite, um sicherzustellen, dass deine Finanzierung wie geplant realisiert werden kann.<\/span><\/p>","intro_gallery_enabled.Value":"false","05a_content_intro_enabled.Value":"true","overview_heading.Content":"","overview_text.Content":"","overview_cta_lead_in.Content":"","overview_cta.Attribute":"","overview_cta.Value":"","05b_content_overview_enabled.Value":"true","detail_heading_opt2.Content":"NO_SHOW","05c_content_detail.image_product5.Id":null,"detail_text_opt2.Content":"NO_SHOW","detail_call_to_action_enabled.Value":"false","detail_slider_enabled.Value":"false","detail_heading.Content":"Unsichere Renditeaussichten","detail_text.Content":"

\n

Es ist wichtig zu bedenken, dass vergangene Renditen keine Garantie f\u00fcr die Zukunft darstellen. Zus\u00e4tzlich sollten Haus- und Wohnungsk\u00e4ufer beachten, dass sie in der Regel einen h\u00f6heren Zinssatz f\u00fcr ihren Kredit zahlen, wenn sie einen Teil ihres Kapitals in Fonds investieren, anstatt es in die Immobilie zu stecken. Zudem gehen Kreditnehmer, die diese Strategie verfolgen, eine gewisse Sicherheitsminderung zugunsten von Chancen und Risiken an den B\u00f6rsen ein.<\/span><\/p>\nDaher raten die Verbrauchersch\u00fctzer dazu, sich auf dieses Finanzierungsmodell nur einzulassen, wenn die Finanzierung auch unabh\u00e4ngig von den Fondsinvestitionen stabil bleibt. Das ist der Fall, wenn gen\u00fcgend Eigenkapital vorhanden ist.<\/span><\/div>\n


<\/strong>\n

Geringeres Eigenkapital erh\u00f6ht Kreditkosten<\/strong><\/p>\n

Der Grund f\u00fcr die zur\u00fcckhaltende Herangehensweise der Verbrauchersch\u00fctzer liegt darin, dass niedrigeres Eigenkapital zu h\u00f6heren Darlehenszinsen f\u00fchrt. Bei einer Komplettfinanzierung des Kaufpreises l\u00e4ge der Zinssatz etwa um einen halben Prozentpunkt \u00fcber dem Satz f\u00fcr eine 80-Prozent-Finanzierung.<\/span><\/p>\n
<\/strong>\n

Langfristige Zinssicherung wichtig<\/strong><\/p>\n

F\u00fcr Immobilienk\u00e4ufer, die Kredit und Fonds kombinieren m\u00f6chten, ist eine langfristige Zinsbindung essenziell. Eine Zinsbindung von 20 Jahren oder f\u00fcr die gesamte Laufzeit wird empfohlen.<\/span><\/p>\n

Auch bei solchen langen Bindungen haben Kreditnehmer nach zehn Jahren seit Auszahlung die M\u00f6glichkeit zur vollst\u00e4ndigen oder teilweisen K\u00fcndigung mit einer Frist von sechs Monaten.<\/span><\/p>\n

Mit einer Zinsbindung von 20 Jahren h\u00e4tten sie fast zehn Jahre Zeit, um von B\u00f6rsenhochs zu profitieren, Fondsanteile gewinnbringend zu verkaufen und den Erl\u00f6s zur Tilgung des Kredits zu verwenden.<\/span><\/p>\n
<\/strong>\n

Die Wahl des richtigen Anlageprodukts<\/strong><\/p>\n

Besonders empfehlenswert f\u00fcr die B\u00f6rseninvestition sind ETFs, die einen globalen Aktienindex abbilden. ETFs (\u201eExchange Traded Funds\") haben niedrige Kosten und sind f\u00fcr Anleger mit begrenzter B\u00f6rsenerfahrung geeignet.<\/span><\/p>\n

Eine breite Diversifikation \u00fcber verschiedene Branchen und Unternehmen verringert das unvermeidliche Kursrisiko. Der weltweite MSCI World Index umfasst gut 1600 Unternehmen aus 23 L\u00e4ndern.<\/span><\/p>\n<\/div>","detail_cta_lead_in.Content":"","detail_cta.Attribute":"Vertrags-Check","detail_cta.Value":"\/produkte\/vertrags-check","detail_heading_opt1.Content":"Sparen statt vollst\u00e4ndiger Tilgung","detail_text_opt1.Content":"

\n

Eine alternative Herangehensweise ist, den Kredit langsamer abzuzahlen, beispielsweise nur mit zwei Prozent anstelle von vier Prozent. Die Differenz kann in einen ETF-Sparplan investiert werden.<\/span><\/p>\nAuch hier sollte die Fondsanlage lediglich als Erg\u00e4nzung zur Tilgung dienen. Jedoch verlangen Banken in diesem Fall den ETF-Sparplan als Sicherheit, bevor sie die M\u00f6glichkeit zur tilgungsfreien Phase gew\u00e4hren. Anleger haben dann nicht mehr uneingeschr\u00e4nkten Zugriff auf die 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