Für das Bausparen gibt es drei verschiedene staatliche Förderungen: Überweist der Arbeitgeber vermögenswirksame Leistungen - auch aus eigenem Gehalt - auf einen Bausparvertrag, erhalten Sie dafür die Arbeitnehmer-Sparzulage. Zahlen Sie eigene Beiträge selber auf den Bausparvertrag ein, können Sie die Wohnungsbauprämie bekommen. Und zum dritten können Sie seit 2008 für eigene Beiträge in einen zertifizierten Bausparvertrag wahlweise auch die Riester-Förderung beanspruchen.

1. Wie Bausparen staatlich gefördert wird

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(1) Arbeitnehmer-Sparzulage

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(2) Altersvorsorgezulage und ggf. Sonderausgabenabzug (Riester-Förderung)

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(3) Wohnungsbauprämie

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2. Wie hoch ist die Wohnungsbauprämie?

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3. Wer kann die Wohnungsbauprämie beanspruchen?

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4. Was bei der Verwendung von Bausparverträgen zu beachten ist

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a) Das gilt für Bausparverträge, die vor dem 1.1.2009 abgeschlossen wurden

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b) Das gilt für Bausparverträge, die ab dem 1.1.2009 abgeschlossen werden

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Unschädliche Verwendungsoption für Jugendliche

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Unschädliche Verwendungsoption in Härtefällen

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5. Was alles wohnwirtschaftliche Zwecke sind

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6. Wie Sie an die Wohnungsbauprämie kommen

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7. Andere Anlageformen mit Wohnungsbauprämie

a) Ersterwerb von Anteilen an Bau- und Wohnungsgenossenschaften

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b) Wohnbau-Sparverträge

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  • Xxx Xxxxxx xxx Xxxxxxx xxxx xxxxxxx xxx Xxxxxxxxxxxx xxxxxxxxx xxxxxx, xxxx xx xx xxxxxxxxxx Xxxxxxxxxxxx xxx xxx Xxx xxx Xxxxxxxx xx xxxxxxx Xxxx xxxxx. Xxx xxx xxxxx xxxxxxxxxx, xxxx xxx xxx Xxx xxxxxxxxxxx xxxxxxxxx xxxxx Xxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxxx.
  • Xxx Xxxxxxxxxx xxx Xxx xxxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxxxxxx xxxxxxxxxxxxxx, xxx xx Xxxxxxxxxxxx xxx xxx Xxxxxxxxxxx xxxxxxxxxx xxxx. Xxxxxxxxxxxxx xxx, xxxx xxx xxxxxx xxxxxxxx Xxxxxxxxxxxx xxx Xxxxxxxxx xxx XxxxxxxxXxxxxxxxxxxx xxxx xxxxx xxxxxx xxxxxxxx xxxx xxxx xxxxx xxxxxxxxxxxxxxxxx xxx.

Xxxx Xxxxxxxxxx xxx Xxxxxx xxxxxx xxxxxxxxx Xxxxxxxxxxxxx xxxx xxxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxx xxxxx xxxx xxx, xxxx xxx Xxxxxxxxxxxxx xxx Xxxxxxxx xxx Xxxxxxx xxx Xxxxxxxxxxxxxxxxx, xxx xx Xxxxxxxxxxxx xxx xxx Xxxxxx xxxxxxxxxx xxxx, xxxxxxxxx xxxxxx. Xxxxxxxxxxxxx xxx, xxxx xxx xxxxxx xxxxxxxx Xxxxxxxxxxxx xxxx xxxx Xxxxxxxxx xxx XxxxxxxxXxxxxxxxxxxx xxxxxxxx xxxxxx xxx.

c) Baufinanzierungsverträge

Xxxxx xxx Xxxxxxxxxxxxxxxxxx xxxxx xxxxxxxxxxxxx xxxxxxxxx xxxx, xxxxxxx Xxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxxxxxx Xxxxxxxxx xxx xxx Xxxxxxxx xx xxx xxxxxxxxxxxxxxxxx Xxxxx xxxxxxxxx. Xxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxx xxxx xxxxxxxxxxxx Xxxxxxxxxxxx. Xxx Xxx, xxxxxxxxx Xxxxxxxxxxxxxxxxxxx xxxx xxx xxxxxxx xxxxxxxxxxx Xxxxxxxxxxxxxxxx xxxx xxxxx xxx xxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxx xxx Xxxxxxxx xxxxxxxxxxxx xxxxxxxx xxxxxx.

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8. Steuerliche Behandlung

a) Wohnungsbauprämie

Xxx Xxxxxxxxxxxxxxxxxx xxx xxxxxxxxxx xxx xxxxx xxxxxxxxxxxxxxxxxxxxxxxxxxxx xxx x XxXXx.

b) Bausparzinsen

Xxx Xxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxx xxxxxxxxxxxxxxx xxxx xx xx Xxx. x Xx. x XXxX xxx xxxxxxxx xxxxxxxxxxxxxx xx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx XX X. xxxxx.

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Abzug von Kapitalertragsteuer

Xxx xxxx xxxxxxxxxxx xxx Xxxxxxxxxxxxxx xxx Xxxxxxxxx xxx xxxx xxx Xxxxxxxxxxxxxxxxxx. Xxxx xxx Xxxxxxxxxxxxx xxxxxxxxxx xxx xxx Xxxxx xxx Xxxxxxxxxxxxxxxxxx, xxxx xxxx Xxx xx Xxxxxxxxxxxx xxx Xxxxxxxxxxxxxx xxxx xx Xxxxxxx xxxx XxxxxxxxxxxxxXxxxxxxxxx xxxx xxxx Xxxxxxxxxxxxxxxxxx xxxxxxxxxxx xxxxx xxxx xxx Xxxxxxxx xxxx Xxxxx xxxxx xxxxxx xxx x x xxx xxx xx Xxx. x Xx. xx Xxxxxxxxxxxx. xx XXxX xxxxx.

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c) Zinsen für einen Zwischenkredit oder Auffüllungskredit

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d) Abschlussgebühr

Xxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxx xxxxxxxx xxxxxxxxxxxxxx xx xxx xxxxxxxxxxxxxxxxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx. Xxx xxxx xxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxx

  • Xxx xxxx xxx xxx Xxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxx. Xxxxxxxxxxxxx xxx, xxxx xxx Xxxxxxxxxxxxxx xxx Xxxxx xxxxxx xxxx xxxxxx xxx xxx Xxxxxxxxxxxxxxxx. Xxxx xxxx xx Xxxxxxxxxxx xxx Xxxxxxxxx xxxxxxxxxx, xxxx xxxxx xxxxxxxx xxx Xxxxxxxxxxxxxxx xxxx xxxxx Xxxxx xxxxx xxxxxxx xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx XX X. xxxx.
  • Xx xxxx xxx xxx Xxxxx xxx Xxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxx xxxx xxxxxxxx.

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e) Kontogebühr

Xxxx xxx Xxxxxxxxxxx Xxxxxxxxxxxxxxxxxx xxxxxxx xxxxx Xxxxxxxxxxxxx xxx xxxxx Xxxxxx xx xxx Xxxxxxxxxxxxxx x xxxxx Xxxxxx xxx Xxxxxxx xxxxxx x xxxx Xxxxxxxxxxxx. Xxx Xxxxxxxxxxxxxx xxxxxxx xxx xxx xxxxxx xXxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxx.

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Xxxx Xxxxxxxxxx xxx Xxxxxxx xxxxxxx xxx Xxxxxx xxxx xxx Xxxxxxxx xxx Xxxxxxxxxx xxx Xxxxxx xxxxx xxx xxx Xxxxxx xxxxxxxxxx xxxxxx. Xxxx xxx xxxxxxxxxxxx xxx Xxxxxx xxxxx xxxxxxxxxxxx xx Xxxxxxxxx xxx Xxxxxxxxxxxx. Xxxx Xxxxxxxxxxxxx xxxxx xx xxxxx Xxxxxxxx. Xxxxxxx xx xxx XXX xxx xxx Xxxxxxxxxxxxxxx xxx xxxxxxxxxxxx, xxxxx xxxxxxxxxxxx Xxxx xx xxxxxx xxx xxx Xxxxxxxxxxx xxx xxx Xxxxxxxxxx xxxxxxxxx Xxxxxxxx xxxxxxxxxxxxxxx.

Xxxxx xx xxxxxxxxxxx xxx xxx Xxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxx, xxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xx xxxxxx xxx xxx. xxx. Xx xxx Xxxxxxxxxxxxx xxxxxxxxxx xxx Xxxxxxxxxxxxx xxxxxx xxxx x Xxxxxxx xxx xxxxxxxxxx Xxxxxxxxx, xxx xx.xxx XXX xxxx x.xxx XXX. Xxxx xxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxxx xxxxxxx xXXXxXxxxxx xxx x.xx.xxxx, XX XX xxxxxxx. Xxx Xxxxxxxxxxxxxxxx, xxx xxx Xxxxxxxxx xxxxx Xxxxxxxxxxxxxxxx xx xxxxxx xxx, xxxxxx xxxxxxxxx xxxxxxxxx.

XXXXXXX: Xx Xxxxx xxxx xxx xxx Xxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxx xxx xxxxxxxx Xxxxxx xxxx xxxxxxxxxxx xxxxxxxx xXXXxXxxxxx xxx x.x.xxxx, XX XX xxxxxxx. Xxxx xxxx xxxxx xxx Xxxxxxxxxxxxxxxxx Xxxxxxxxx xxxxxx xxxxxxxxx, xxxx xxx xxxx Xxxxxxxxxxxxx xxxxx xxx Xxxxxxxxxxxxxx xxxxxx Xxxxxxxxxxxxxxxxx xxxxx xxxxx. Xxx xxx Xxxxxxxxxxxx xxxxx xxx xxxxxxxxxxxx xxx Xxxxxxxxxxxxxxx xxxxxxx, xxx xxx xxxxx xxxx xxx Xxxxxxxxxxxxxxxxxxx xxx Xxxxxx xxxxxx xXXX Xxxxxxxxx xxx xx.x.xxxx, xx X xxxxx. Xxx xxx xxx XXX xxx xx Xxxxx xxxx xxxxxx.

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