2011 complete savings and housing bonus request the housing premium is a State allowance in the housing bonus law anchored. Once a year it is paid to all fully taxable persons from 16 years of age, as well as orphaned regardless of age, who pay contributions to a savings for the first time shares in housing and building cooperatives purchase or that have a global, whose Summe is used exclusively for the financing of home ownership. The housing premium is 8.8% of expenditure in the year 2011. When individuals savings promoted annually by maximum 512 euros, together assessed married 1024 euro. This corresponds to an amount of 45 or 90 euro provided that even at least 50 euros were paid annually. To get the housing premium, taxable income must be less than 25600 euro individuals and 51200 euro for jointly assessed married couples.
A claim on Arbeitnehmersparzulage should not exist. The contracts must have a minimum of 7 years. A termination before the end of this period, is also retroactively forfeited the premium. There are exceptions, if balances Treaty dissolved prematurely in the housing, if the contract holder is continuously unemployed for a year or he or his spouse is disabled or dies. When selecting a funds you should consider beforehand, whether you want to complete a contractor with a high rate of credit, or a contractor with the possibility of a low interest rate loan. Both will be not included in a Bauspartrag.
So can get so high interest in the credit area, but it also faces high interest rates in a provided loan. Pick up so an offer for both options. Balances out before 2009 completed building Association savings agreements can be used after the minimum period of time, as of 2009, the method of residential construction/modernization is bound. Grant holders are uniquely exempt up to 25 years. The employer pays capital-forming payments, you can put the money in a savings. If you are still in a good position to get also the Arbeitnehmersparzulage, except for the housing premium is nothing against the conclusion of a funds.