Begrifflichkeiten zum Thema Baufinanzierung
geschrieben am 18. September 2009; Autor: admin
abgelegt unter Allgemein
Wer sich für die Finanzierung eines Hauses interessiert sollte von bestimmten Begriffen rund um das Thema Baufinanzierung gehört haben. Wir erläutern Ihnen einige der gängisten.
Zinsfestbindung
Die Zinssätze für Hypotheken hängen von Konjunkturschwankungen ab, aus diesem Grunde wird der Zins auf ein Darlehen über eine Periode von mehreren Jahren bestimmt. Der Kunde ist dann unabhängig von verschiedenen Marktschwankungen fest an diesen Zins gebunden. Eine eventuell vorhandene Restschuld, deren Tilgung auch in Raten erfolgen soll, unterliegt in der Regel einer neuer Zinsbindung. Wegen der Zinsfestbindung sollte man also bei verhältnismäßig geringem Zinssatz eine längere Laufzeit festlegen. Falls es absehbar ist, dass die Zinssätze zukünftig sinken, sollte man sich für eine kürzere Zinsbindungsfrist entscheiden. Um von dieser Strategie profitieren zu können, muss natürlich berücksichtigt werden, dass mit dieser Zinsfestbindung zum Ende der Laufzeit noch eine Restschuld vorhanden ist.
Kosten, die vor dem Darlehensantrag in Betracht gezogen werden sollen:
Die Art der Kosten hängt selbstverständlich vom Verwendungszweck des Darlehens ab. Möchte man ein Haus kaufen oder bauen und es eventuell modernisieren bzw. renovieren.
Nominalzins und Effektivzins
Als Nominalzins wird der Zins bezeichnet, den der Darlehensnehmer jährlich auf sein Darlehen zahlen müssen. Die monatlich zu entrichtende Rate besteht aus der vereinbarten Tilgung und dem Nominalzins. Alle Kreditinstitute sollten zusätzlich den Effektivzins angeben, der nicht nur den Nominalzins sondern auch die Bearbeitungs- bzw. Vermittlungsgebühren schon enthält. Zum richtigen Vergleich der Angebote sollte aus diesem Grunde der Effektivzins verwendet werden. Man sollte auch darauf achten, dass bestimmte Kosten, wie zum Beispiel Kontoführungsgebühren, Schätzungskosten und Teilauszahlungszuschläge nicht im Effektivzins enthalten sind.
Für einen richtigen Vergleich der verschiedener Anbieter ist es noch sehr wichtig, dass immer die gleichen Daten angegeben werden. Nur auf diese Weise hat man ein einheitliches Maß, nach dem die unterschiedliche Angebote diverser Kreditinstitute miteinander verglichen werden können. Es empfiehlt sich, nach den gültigen Zinsen und den Bearbeitungsgebühren zu erkundigen. Man sollte auch auf die Beleihungsgrenzen der Anbieter achten, denn diese können sehr verschieden ausfallen.
Beleihungswert
Unter dem Beleihungswert versteht man den Wert, den seine Immobilie dauerhaft erreicht. Kreditinstitute akzepzieren meistens 90 % des Bauwertes, wodurch sie sich gegen eine mögliche Zahlungsunfähigkeit des Darlehensnehmers absichern. Hat man also, im Falle des Neubaus, seine Immobilie einen Bauwert von 250.000 Euro, beläuft sich sein Beleihungswert auf 225.000 Euro.
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Klingt gut, bre4uchte ich auch mal! Dann kf6nnte ich alles vom Bett aus steuern. Ich hab mir ja extra eine Team View Verbindung eieergichtnt um den Rechner fcber den die Medien laufen bei all zu grodfer Mfcdigkeit vom Bett aus mit dem Schlepper herunter zu fahren. So kf6nnte ich auch die nervigen Standby Lichter, die beim einschlafen echt stf6ren kf6nnen, auf die faule Art loswerden. Eins noch: Warum baut man USB-Hubs die den ganzen Raum erhellen kf6nnen??? Da sollte ich mal einen negativen Bericht drfcber schreiben.Grfcdfe aus der Bib!