Eigenheimrente: Riester-Förderung für Wohneigentum

1. Für den eiligen Leser: Ein Überblick

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Und so funktioniert die neue Eigenheimrente:

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Verbesserungen ab 1.1.2014

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2. Was wird gefördert?

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a) Begünstigte Wohnimmobilien

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b) Begünstigte Umbaumaßnahmen

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c) Begünstigte Finanzierungsformen

(1) Kapitalentnahme während der Ansparphase (Altersvorsorge-Eigenheimbetrag)

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(2) Darlehensaufnahme (Tilgungsförderung)

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3. Wie hoch ist die Förderung?

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4. Wie erfolgt die Besteuerung?

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a) Grundlage der Besteuerung

Xxxxxxxxx xxxx xxx xxxxxxxxxxxxx Xxxxxxxxxxx xx xxx Xxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxx xxx xxx Xxx. x XXxXx. Xxxxx xxxxxx xxxx xxxxxxxxxxx Xxxxxx xxxx xxxxxxxxxx Xxxxxxxx xxx Xxxxxx xxx xxx Xxxxxxxxxxxx xxx Xxxxxx xxxxxxx. Xxxx xxxxx Xxxxxxxxxx xxxxx xxx Xxxxxxxxxxxxxxxx xxx xxxxxxxxxx Xxxxxxxx xxx XxxxxxxxXxxxxxxxx xxxxxxxx, xx xxxx xxxx xx xxxxx xxx xxxxxxxxxxxxxxx xxx xxx Xxxxxxxxx Xxxxxx xxxx Xxxxxxxxxxxxxxxxxxxxxxx xxx xxx Xxxxxxxxx Xxxxxxxxxxxxxxxxxx xxx Xxxx xx Xxxxxxxxxxx xx xxx Xxxxx xXxXx xxxxxxxx xxx xxxxxxxxx xxx xxx Xxx. x XXxXx.

(1) Aufbau des Wohnförderkontos

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(2) Verminderung des Wohnförderkontos

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b) Formen der Besteuerung

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(1) Jährliche Besteuerung

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(2) Einmalbesteuerung

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Xxxxxxxx:
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5. Was passiert bei Aufgabe der Selbstnutzung?

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a) Ausnahmen von der Nachversteuerung

Xxxx Xxxxxxxxxxxxxxxx xxx xx Xxxxxxxxxxxxxxxxx xxxxxxxxxxx Xxxxxxxx xxxxxxx xxxxx xx xxxxxxxxx Xxxxxxx xxx xxx Xxx. x Xxxx x XXxXx:

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Xxxxxxxxx xxxxxxx Xxx xxxxxxxxxx, xxxx xxx Xxxxxxxxxxxxxxxx xxxxx xxxxxxxxxxxxx xxxx, xxxx Xxx xxx Xxxxxxxxxxxxx xxx xxxxxxxxxxx Xxxxxxxxxxxxxxxx xxx xxx Xxxxxxx xxxxxxxxx xxxxxxxxx. Xx xxxxxx Xxxx xxxx xxxxxxx Xxx xxxxxxxxx xxxxxx, xxxx Xxx xxx Xxxxxxx xxxxxxxxxx xxxxxx xxxxxx xxxxxx xxxxxx xxx xxx xxxx xxxxxxxxxxx xxx xx Xxxxxx xxxx xxxxxxxxxxxx xxxxxx xxxxxx xxx xxx Xxx. x XXxXx.

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Unschädliche Unterbrechung der Eigennutzung

Xxxx xxx Xxxxxxxxxxxxx xxxxx xxxxxxxxxx xxxxxxxxxxxx Xxxxxxx xxxxxxxxxx, xxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxx xxx xx xxxxxxxxxx. Xxx Xxxxxxxxxxx xx xxxxxx Xxxxxxxxx xxxx xxxxx xxxxxxx xxxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxx xx xxxx xxxxxx Xxxxxxx xxxx xxxxx xxxxxxx XxxxxxxxXxxxxxx xxxxxxxx.

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Xxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxx xxx, xxxx xxx Xxxxxxxxxxxxxxxxxx xxx Xxxxxxx xxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxxx xxx Xxxxxxxxxxxxx xxxxxxxxxx xxx Xxxxxxxx xxxx xx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxx xxx xxxxxxxxx Xxxxxx xxxxxxx. Xxxx xxx Xxxxxxx xxx Xxxxxxxxxxxxxx xxx Xxxxxxxxxxxxx xxxxxxxxxx, xxx xxxx xxxxxxxxx xxxxxxxxxx. Xxxx xxxxxxx xx xxxxxx Xxxxxxxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxx xxx xxx Xxx. x Xxxx xx XXxXx.

b) Aufgabe der Selbstnutzung in der Rentenphase

Xxxxx Xxx xxx Xxxxxxxxxxxxx xxx xxxxxxxxxxxx Xxxxxxx xx xxx Xxxxxxxxxxx xxxxxxxx, xxx xx xxxxxxx, xx Xxx xxxx xxx Xxxxxxxxxxxx xxx xxxxxxxxxxxx Xxxxxxxx xxx xxxxxxxxxx Xxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxx xxxxxx Xxxxx xxx.

Xxxxx Xxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxx, xxxx Xxxxxxxxx: Xxxx Xxx xxxxxxxxx xxx xx Xxxxxx xxxx Xxxxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxxx xxxxxxxx, xxxx xxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxx xxx xx x xxx xxx xxxxxxxxxxxxx Xxxxxxxxxx xxx "xxxxxxxx Xxxxxxxxxx" xxxxxxxxxx xxxxxx xxx xx Xx. x Xxxx x XXxXx. Xxxx xxxxxxxxxx: Xx xxxxxxxxxx xxx xxx Xxxx xxx Xxxxxxxxxxxxxxxxxxx xxx xx x

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c) Besondere Regelung bei Tod des Zulageberechtigten

Xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxx, xxxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxxxxxx xxx, xxx xxx xxxx xxxxx xxxxxxxxxxx Xxxxxxxx xxx Xxxxxxxxxxxxxxxxx xx xxx xxxxxxx Xxxxxxxxxxxxxxxx xxx Xxxxxxxxxx xxxx xxx Xxxxxxxxxx xx xxxxxxxxxx. Xxx Xxxxxxxxxxxxxxxx xxx xxx Xxxx xxxx xxx Xxxxxxxxx xxxxxxxxx. Xxx xxx xxx Xxxxxxxx xxxxxxxxxxx Xxxxxxxxxxxxxxx xxxxxxxxxx xxx Xxxxxxxxx. Xxxx xxxx xxx xxxxxxx, xxxx Xxxx xxx xxxxxxxxxxxx Xxxxxxxxxx xxx xxx Xxxxxx xxxxx Xxxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxx xxx xxxx xxxxx xxx Xxxxxxxxx xxx Xxxxx xxxxxx. Xxx Xxxxx xxxxxxxxxxx xxxx xxx Xxxxxxxxx xxxx xxxxxxxxxxxx Xxxxxxxxxx xxxxxxxx xxx Xxxxxxxxxxxxxxxxx xxx xxx Xxx. x Xxxx x XXxXx.

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6. Energetische Sanierung: Ab 2024 auch mit dem Riester-Guthaben möglich

Xxx xx Xxxxx xx xxxxxx xxxxxxx xxxx Xxxxxxx xxxxx xxx xxxxxxxxxxxx xxxxxx xxxx, xxx xxxx xxxxx xxxx xxxxx Xxxxxxxxxxxxxx xxxxx. Xx xxxxxx Xxxx xx xxxxxxxxx, xxxxx xx xxxx xxxxxxxxxXxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxx XxxxxxxxXxxxxxxxxx xxxxxxxxxx xxx xxxxx xxx Xxxxxxxxx xx Xxxxx xxxxxxxxxxxxxx. Xxx xxxxxxxxxx xxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxx xxxx xxxx xxxxxxxxx Xxxxx xxxxxxxxxxxxxxxxxxx xxxx xxx xxxxxxxxxxxx Xxxxxxxxxxx xxxx Xxxxxxxxxxx xxxxx xxxxxx xxxxxxxxx Xxxxxxx xxxxx xxx Xxxxxxxxxxxx xxx xxxxxx xxxxxxxxx Xxxxxxxxxxxxx xx Xxxxxxxx xxxxxxxx xxxxxx. Xxxxxxxxxxx xxx xxxx xxxx xxxx xxx Xxxxxxxxxxxx xxxxxxxxxXxxxxxxxxxxxxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxx xxx xx xxxxx xxxxxx xxxxxxxxx Xxxxxxx xxx xxx Xxx. x Xx. x XXxXx.

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7. Verwendung für Darlehenstilgung durch Erbe zulässig

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