Whether you want to build a house with a construction loan or buy an apartment, our building savings contracts help you realize your dream of owning your own home.
Whether you want to build a house with a construction loan or buy an apartment, our building savings contracts help you realize your dream of owning your own home.
Systematically save for your future property purchase
Use capital-forming benefits from your employer
Receive attractive government support programs
Special benefits for 15- to 25-year-olds
Secure low loan rates from 0.95% for the future
Choose from two repayment options
Additional financing up to €15,000 for tenants, €50,000 for property owners
The Bauspar process involves two main phases: a saving phase and a loan phase. Here's how it works step by step:
Sign a Bauspar contract with Deutsche Bausparkasse BADENIA
Regularly contribute to build your Bauspar credit
Accumulate savings with interest: Own contributions + credit interest
Receive allocation when your savings target is reached
Access loan at fixed interest rate from Bauspar Kasse
Choose flexible repayment options for your loan
At 1.75% fixed interest rate
At 0.95% fixed interest rate
Systematically build savings for your property goals
Ensure liquidity and financial security
Dedicated support for all building savings questions
Quick access to funds when needed
Secure your financial future with structured savings
Flexibility to make additional payments without penalties
Begin building your dream home savings with our expert Bauspar guidance and competitive rates.
For any enquiries, please schedule a meeting with us using the button below