Increase real estate loan: One possibility is the home savings loan

Your own four walls are the dream of many people. However, to fulfill this dream quite a lot of capital is necessary. The required sum can, however, come about in different ways. For example, it is very popular to combine a real estate loan with a home savings contract.

Construction loan

Building savings contracts are available at different rates and can be used for a real estate loan as soon as they are ready for assignment.

Bauspar contracts are generally popular and are therefore often completed. It is quite easy to save up to a pre-defined percentage in the contract. As soon as the Bauspar contract is ready for distribution, it is possible to pay it off. However, the rationing of the contract does not automatically mean that the Bauspar contract has already been fully paid up: this is not the case. The respective sum, which still lacks the final amount, pay the building societies in this case as a so-called home savings loan.

Good to know here is that the loan is guaranteed to the respective home savings company even from the legal side. In addition, it is inheritable even to the descendants.

In addition, there is not only “the” Bauspar contract. So there are now different tariffs here, namely the standard or fast-saving tariff as well as the long-term tariff and various variable tariffs.

Bauspar contracts are very much in demand, for example, which do not necessarily have to be used for the purchase or construction of a property and where, for a certain fee, the saved amount can be paid out earlier if required. However, it should be recalculated well whether this approach really pays off. However, if you want to have the accumulated assets fairly quickly, then such a tariff is certainly a good choice.

Real estate loan and home loan

The combination of real estate loan and home savings loan ensures a high degree of planning security. In addition, it usually benefits from a low interest rate.

Here, the credit institutions initially give their customers a real estate loan. During the first period, however, the borrowers pay only the interest accrued each month. The remaining loan installment is paid into a home savings contract, which is concluded separately.

Once it has come to pass that the Bauspar contract is ready for rendition, it is possible to use the home savings loan to repay the real estate loan taken out in full. The Bauspar contract, which has not yet been paid to its end, continues to run with the interest rate set in advance. Borrowers not only benefit from a favorable interest rate, but also from a high level of planning security.

Although this type of funding is very popular, it is still advisable to pay attention to the total cost. The exact calculation of the real estate loan and the home savings loan is therefore essential and is presented by reputable banks in a detailed and clear.


For example, a home savings contract can also be used to pay relocation or furniture costs or a refurbishment or modernization. It may also be possible to make special repayments.

Alternatively, however, it is also possible to include a real estate loan and simply let the home savings contract continue to run. Here, however, the financial burden has to be considered. For this purpose, one can then use the sum in question, for example, to finance the move and to buy new furniture or for some refurbishment / modernization work. However, the determining factor is exactly what purpose was agreed in the respective home savings contract. The necessary equity for the real estate financing can then come for example from accumulated cash on the savings account or savings account.

For example, if special repayments have been agreed in the real estate loan contract, it may also be advisable to use part of the sum for this purpose. However, it is absolutely advisable to read the contract carefully, as many banks only offer a limited number of free special redemptions per year. However, if you wish to pay in a higher amount or if no special repayment right has been agreed, it is first of all necessary to clarify with the bank whether this is generally possible.

If this is the case, which is a credit institution, however, a so-called prepayment penalty charge. These require the banks due to lost interest income. Thus, it is important to calculate well whether the paid special repayments are worthwhile.

Real estate financing completely without equity

Real estate financing is also possible without equity. However, the banks here pay more attention to the conditions and often require additional collateral.

However, it may also be possible to carry out real estate financing entirely without equity. In this case, however, usually not only a correspondingly high, secure and regular income, but also more collateral is needed. Likewise, as with equity financing, a high credit rating or a positive Schufa statement is required.

Negative Schufa?

Even with a negative Schufa information, it is possible with a guarantor or second borrower to obtain a loan. Alternatively, there is still a schufafreies loan.

However, if there is a negative Schufa information, then it is difficult with the real estate financing: Mostly forgive the banks in such a case, no loans.

However, those who do not want to move away from their home purchase or construction plans and want to fulfill the desire of their own home immediately can, for example, fall back on a guarantor or a second borrower. However, it also applies here that the person concerned must fulfill the respective requirements of the banks. With a guarantor / second borrower, the likelihood of lending tends to increase enormously. As a rule, it is no longer a problem to obtain the desired loan.

However, if neither a guarantor nor a second borrower comes into question, it is still possible to look for a non-fictitious real estate loan. Here is also paid to a sufficient creditworthiness of the prospective borrower but there is no Schufa information. Accordingly, it is completely irrelevant here, if any negative entries are present. However, these loans are usually more costly. Schaffa-free loans are usually not offered by all banks. Online, as an example, but you will find a wide selection.


The increase of a real estate loan with the help of a home savings contract is a popular, common method. Alternatively, it is advisable to use the Bauspar contract for relocation or modernization purposes.

It is therefore easily possible to increase a real estate loan with the help of a home savings contract. Here the home savings contract is an important part of the financing plan.

In general, it is of course also possible to retain the sum that was saved in the Bauspar contract, and hereby, for example, to pay for the move, new furniture or a refurbishment / modernization. Decisive, however, is the purpose described in the contract. In addition, part of the amount may also flow into special repayments.

Furthermore, there is also the option of real estate financing without equity. Here, however, the banks are increasingly paying attention to the fulfillment of the necessary conditions.

Even with a negative Schufa entry, the dream of a home can still be a reality: here, for example, help a guarantor, a second borrower or a schufa-free loan.