Vermögenswirksame Leistungen und Arbeitnehmer-Sparzulage

Xxxxxxx Xxxxxxxxxxxxx xx xxxxxx Xxxxx xxxxxxxx xxx Xxxxxxx

x Xxxxxxxxx: Xxxxxxxxxx xxxxxxx Xxxxxxxxxxxxxxxxxx.

1. Wer erhält vermögenswirksame Leistungen?

Xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxx Xxxxxxxxxxxxxx xxx Xxxxxxxxxxxx xxxxxxxxxxx xx Xxxxx Xxxxxx, xxx xx xxx xxxx Xxxxxx Xxxxx Xxxx xxxxxxxxxx. Xxx Xxxxxx xxxxxx xxxxxxxxx Xxxxxx xxx Xxxxxxxxxx, xxx xx x. Xxxxxxxxxxxxxxxxxxxxxxxx xxxxxxx xxxx xxxxxx Xxxxx xx.

Xx xxx xx xxxxxxx Xxxxx Xxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxx, xxxxxxx xxxx xxxx xxx xxxxxxxxx Xxxxxxxxxxxx, xxx Xxxxxxxxxxxxxxxxxxxx xx Xxxxx Xxxxxxxxxxx xxxx xxxx xxx xxxxxxxxxxxxx Xxxxxxxxxxxx xx Xxxxx Xxxxxxxxxxxxxx. Xxxx Xxxxxx xxx xxxxx Xxxxxxxx xx Xxxxxxxxxxxxxxxx xxxxxxxx.

Xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxx xxxxxxxx, xxxx xxxx xx xxx xxx Xxxxx Xxxxx Xxxxxxx xxxxxxx. Xxxxxxxxxx xxxxxx xx xxx xxx Xxxxxxxxxxxx xx, xx Xxx Xxxxxxxx xxx xxx xxxxxxxxxx XxxxxxxxxxxxxXxxxxxxxxx xxxxx xxxxxx Xxxxx xx.

XXXXXXXXX: Xxxx Xxx xxxxxxxx Xxxxx xxxxx Xxxxxxxxxx xxxxx XxxxxxxxxxxxxXxxxxxxxxx xxxx xxxxxxxx xxxxxxx, xxxxxxx Xxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxx xxxxx xxxxx xxxxxx xxxxxx. Xxxx Xxxxx xxxxx xxx xxxxxxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxxx. Xx Xxx xxxxxxx xxxxx Xxxxxx xxxxxxxx, xxxxxxx Xxx xxxx xxxxx Xxxxxxxxxxx xxx xxx Xxxx xxxx xxx Xxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxx xx Xxxxxxxxx xxxxxx.

a) Wenn Sie keine oder nur geringe Leistungen von Ihrem Arbeitgeber erhalten

Xxxxxxxx Xxx xxxxx xxxx xxx xxxxxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx, xxxxxxx Xxx Xxxxx Xxxxx Xxxxxxxx xxx Xxxxxxxxxxx xxxxxxx xxxxxx, xx xx xxxx xx xxx Xxxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxx. xxxxx xxxxxxxx Xxxxxxxxxx xx xxxxxx. Xxxx xxxx xxxxxx Xxxxxxxxxxxx xxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx xxxxxxxxxxxxxxxxx xxx xx XxxxXXx.

XXXXXXXXX: Xxx Xxxxxxxxxxx xxx xxxxxxxxxxxx, xxx Xxx Xxxxxxxxx Xxxxx Xxxxx Xxxxxxx xxxxxxxxxxxxxxxxx xxxxxxxxx. Xxxx xx xxxx xxxxx xxxx xx xxxxx xxxxx Xxxxxxx xxxxxxx, xxxx xxx xxxxxxxxxx Xxxxxxxxxx xxxxxxxxxx xx XXX xxxx xxx xxxxxxxxxxxxxxxxxx xxxx xxxxxxxxxxx Xxxxxxx xxxxxxxxxx xx XXX xxxxxxxx.

Xxxxxx xxxx xxx Xxxxxxxxxxx Xxxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx xxx XXX xxxxxxxx, xxxxxxx Xxx xxxxx Xxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxx xxx xxx XXX xxx Xxxxx Xxxxxx xxx Xxxxxxxxxxx xxx xxxx Xxxxxxx Xxxxx Xxxx xXxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxx xxxxxxxxxxx xxxxxx.

XXXXXXXXX: Xxxxxxxxxxxxxxxxx xxxxxxx Xxx xxxx xxx xxxxxxxx xxxxxxxxxxxx xxxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxxx xxxxxx. Xxxx xxxxx xx Xxxxxxxx xxxxxxxxxxxxxx xxx xxxxxxxxxxxx Xxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxx xxxx xxx xxxxxxxxxxxx Xxxx xxxxx Xxxxxxxxx xXXXxXxxxxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. xx Xxx. xx.

b) Wie Sie die vermögenswirksamen Leistungen erhalten

Xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxx xx Xxxxx Xxxxxxxxxxxxxxxxx xxxxxxxxx xxxxxxxxxxx xxx xxx xxxxxxxxxxxxxxxxx Xxxxxx xxxxxxxxxxxxxx. Xxx xxxxxxxxxxxx Xxxxxx xxxxxxxxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxx xxxxxxxxxxx xx xxx Xxxxxxxxxxxxxx Xxxxx Xxxx, xxx xxx Xxx xxxxx Xxxxxxx xxxxx xxx Xxxxxx xxxxxxxxxxxxx xxxxx.

Xxxxxxx xx xxxx xx xxx Xxxxxx xx xxxxxxxxxxxxx Xxxxxxxxxxxxx xxxx Xxxxxxxxxxx xxxxxxxx xxxxx XxxxxxxxxxxXxxxxxxxxxxxx, XxxxxxxxxxxxxXxxxxxxxx xxxx XxxxxxxxxxxxxXxxxxxxxxxxxx, xxxxxxxxxx xxx Xxxxxxxxxxx xxxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx xxx Xxxxxxxxx xxxx xxx Xxxxxxxxxxx.

Xxxxxx Xxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxx xxx Xxxxxxxxxxx xxxxxx xxxxxxxxx, xxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxx xxxxxxxxxxxxx xxxxxxxxxxx xx Xxx xxxxxxxxxxx xxxxxx Xxxxx xx.

XXXXXXXXX: Xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxx Xxx xxx Xxxxxxxxxxx xxxx xxxxxxxxxxx xxxxxx xxx xxxxx Xxxxxxxxxxx xxxx xxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx Xxxxx Xxxxxxxxx, xxx xxx Xxx xxxxxxxx xxxxxxxxx xxxxxx, xxxx xxxxxxxxx xxxxx Xxxxxx, xxx xx Xxxxxx xxx Xxxxxxxxxx xxxx xxxxx xx Xxxxx xxx xxx. Xxxxxxxxxxxxx xxxxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xxx xxxxx Xxxxxxx xxxxxxxxx xxx Xxxxxx xxx. xxxxx Xxxxxxxxxxx xxxxxxx xxxxxx xxx x XxxxXXx.

c) Vermögenswirksame Leistungen sind steuerpflichtig

Xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxx x xxxxxxxx xxx xxx Xxxxxx x xxxxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxx xxxx xxxxxxxxxxxxxxxxxxxxxxxxxxxx xxx x Xxx. x XxxxXXx. Xxx Xxxxxxxxxxx xxxx xxx xxxxxxxxx xxxx xxxxxx xxxxxxxxx xxxxxxxxx:

• Xxx xxxxxxxxxxx Xxxxxxx xxxxxxx xx xxxx xx xxxxxxxxx Xxxxxxxxxxx, xxx xxxxxxxx xxx xxx Xxxxxx xxx Xxxxxxxxxxxxxxx xxxxxxxxxx.
• Xxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xx xxxxx Xxxxxxxxxxxx xxxxxx xxxxxxxxx xxxxxxx, xxxxxxx xx xxxx xx xxxxx xxxxxxxxx Xxxxx, xxxx xxx xxx Xxxxxxxxxx xxxx xxxxx xxxxxxxxxx Xxxxxxxxx xxxxxxxxx xxxx.

d) Anlage auch zugunsten des Ehegatten oder Lebenspartners

Xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxx xxxx xxxxxxxx xxxxxx xxxxxxxxx xxx xxxxx xxxxxxxx xxxxxxxx Xxxxxxxxx xxx Xxxxxxxxxxxxx. Xx xxxx xxx xxxx xxxxxxxxx xxxxxxxxx xxx Xxxxxxxxxxxxxx xx xxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxx xxxxxxxx xxx x Xxx. x Xx. x xxx x. XxxxXXx.

Xxxxxxxx xxxxxx xxxxxxxxx xxx xxxx xxxxxxxxxx Xxxxxxxxxx xxxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx xxxxx Xxxxxxxxxxx x.x. xxxx xxxx xxxxxxxxxxxx, xxxx xxx Xxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxx xxxxxxxxx xxxx xxxxxxx xxxxxxxxxxxxxxx xxxxxxxx xxx. Xxxxxx xxxx xxxx xxx xx Xxxxxxxxxxxx xxx xxx xxxxx xxxxxxx xxxxxxxx xxxxxxxx Xxxxxxxxx xxx x Xxx. x Xx. x xxx x. XxxxXXx.

Xxxxxx xxxx xxxxxxxx xxxxx xxx Xxxxxxx xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxxx xx xxxxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx. Xxxxxx xxx xxxx xxx xxx Xxxxxxxx xxxxxxx xxx x Xxx. x Xx. x xxx x. XxxxXXx.

XXXXXXX: Xxx Xxxxxxxxxxx xxx xxxxxxxxxx xxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx, xxx xx xxx x.x.xxxx xxxxxxxx xxx. xxxx Xxxxxxxxxxxx, xxx xxxx xxxxxx Xxxxxxxxx xxxxxxxxx xxxxxx. Xx xxxxx xxxxx xxx xxx Xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxx xx, xxxx xxxx Xxxxxxxxxxxx xx Xxxxx xxx Xxxxxxxxxxxxxxxxx xxx xxx xxxxxxxxxxx xxxxxxxxxxx xxxxxx xxx xx Xxx. xx xxx x. XxxxXXx.

e) Vermögenswirksame Leistungen jetzt auch für behinderte Menschen in Behinderten-Werkstätten

Xxx xxxxxxxx Xxxxxxxxxxxxxxx xxx Xxxxxx xxx xxx Xxxxxxx xxxxx Xxxxxx xxxx xxxxxxxxxxx, xxxx xxxx xxxxxxxxxxx Xxxxxxxx xxx Xxxxxxxxxxxx xxxxxxxxxxxx xxx, Xxxxx xxxxx Xxxxx xxxxxxxxxxxxxxxxx xxxxxxxxx xxx xxxxxx xxxx XxxxxxxxxxxxxXxxxxxxxxx xx xxxxxxxx xXXX Xxxxxxxxx xxx x.x.xxxx, X xxxx X x x x Xx XX xxx.

Xxxxxx xxxxxxx xxxx xxxxxxxxxx Xxxxxxxx, xxx xx xxxxxxxxxxx Xxxxxxxxxxxx xxxxxxxxxxxx xxxx, xxx xxxx Xxxxxxxxxx xxxxxxxxxxxxxxxxx xxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxxxxxxx xxxx xxxxx xxxxxxxxxxx xxx xxxxxxxxxxxxxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxxxx. Xxxx xxx xxx xxx Xxxxxxxx xxx xxxxxxxxxxx Xxxxxxxx xxxxx xxxxxxxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxx xxxxx xxx Xxxx. Xxxx xxxxx xxxx Xxxxxxxxxxx xx xx xxx Xxx. x XXX XX xxxx xxx xxxxxxxxxx Xxxxxx xxx xxxxxxxxxxx Xxxxxxxx xxxxxxxx: Xxx xxxxxx xx xxxxx xxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxx, xxx xxx xxxxxxxxxxxxxxxxx Xxxxxxxxxxxx xxx Xxxxxxxxxxx xxxxxxxxxxxx xxxxxxxxx xxxx. Xxx xxxx xxxxxxx xxxxxx xxx xxxxxxxx xxx Xxxxxxxxxxxx xx xxxxxxxxx.

2. Wer bekommt die Arbeitnehmer-Sparzulage?

Xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxx Xxxxxxxxxxxxxx xxx Xxxxxxxxxxxx xxxxxxxxxxx xxx Xxxxxx, xxx xx xx xxxx Xxxxxx xxxx Xxxx xxx Xxxxxxxxxxxx xxxxxxxxxx. Xx xxxxxxxxxxxxx xxx xxxxx xxxxxxxx xxx Xxxxxx xx Xxxxxxxxxxxxxxxxxxxxxxxxx xXxxxxxxxxxxxxxxxxxx xxx xxx Xxxxxx xxxx xxxxxxxxxxxxxxxxxxx Xxxxxx xXxxxxxxxxx. Xx xxxxxx Xxxxxxx xxxxxxxx xxx Xxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xxx xxxxx XxxxxxxxxxxxxXxxxxxxxxx, xxxxx xx xxxx xxxxxx Xxxxxxxxxxxx xxxxxxxxxx Xxxxxxxxxxxx, Xxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxxx.

• Xxx Xxxxxxxxxx xxxxxxxx xxxx Xxxxxxxxxxxxxxxxxx xx x, xxxx Xxxxxxxxx x x.
• Xxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxx Xxxxxxxxxxxxxxxxxx xxx XXX, xxxx Xxxxxxxxx xxx XXX.
• Xxx xxxx xxxx: Xxx Xxxxxxxxxxxxxxxx xxxxxxxx xxxx Xxxxxxxxxxxxxxxxxx xx.xxx XXX x xx.xxx XXX, xxxx Xxxxxxxxx xx.xxx XXX x xx.xxx XXX xXxxxxxxxxxxxxx x Xxxxxxxxxxxxx.
• Xx xxx x.x.xxxx xxxx xxx Xxxxxxxxxxxxxxxx xxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxx xxx xxxx xxxx xxx Xxxxxxxxx xxxxxxxxxxx xxx xx.xxx XXX xxx. xx.xxx XXX xxxxxxxxx xxx xx Xxx. x xxx x. XxxxXX, xxxxxxxxx xxxxx xxx "Xxxxxxxxxxxxxxxxxxxxxxxxxxx"x. Xxx Xxxxxxxxxxx xxxx xxxxxxxx xxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx, xxx xx xxx x.x.xxxx xxxxxxxx xxxxxx xxx xx Xxx. xx xxx x. XxxxXXx.

Xxxxxxx Xxxxxxxxxxxxx:xxxxxxXxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx

Keine Einbeziehung von Kapitalerträgen ab 2009

Xxxxxxxxxxxx xx xxxx xxxxxxx Xxxxxxxxxxxxxxx xxx xxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxx xxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxx Xxxxxxxx, xxxx xxxxx xxx Xxxxxxxxxxxxxxx xxxxxxxxxxx xxx xx xxx Xxxxxxxxxxxxxxxxx xxxxx xxxx xxxxxxx xxxxxx. Xxxxxxxxxx xxx xxx "xx xxxxxxxxxxxx Xxxxxxxxx" xx. Xxxxxxxxxxxxxx xxx xx Xxx. x Xxxx x xxx x. XxxxXXx xx xx Xxxx x XxxxxXXx.

Xxxxxxxxxx xxxx xx xxxx Xxxxxxxxxx, xxxx xxx Xxxxxxxxxxxxxxxxx xxxxxxxxxx xxx Xxxxxxxxxxxxxxxx xxxx xxxxxx xxxxxxxxxx xxxxxx xxxxxxx, xxxx xxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxx xxxxxx, xxx xxx xxx Xxxxx xxx Xxxxxxxxxx xxxxxxxxx xxx x Xxx. xx XXxXx. Xxx Xxxxxxxxxxxxxxxx xxx xxxxxx xxx Xxxxxxxx xxxxxxx, xxxx xx xxx Xxxxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxx xxxxxxx xxxxxx xxxxxx, xxxx xxx xxxx Xxxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxx. Xxxxxxxxxxxxxxxxxx Xxxxxxx xx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxxx xxxxxx.

XXXXXXXXX: Xxxx Xxx xxx Xxxxxxxxxxxx Xxxxx Xxxxxxxxxxxxxxx xx xxx Xxxxxxxxxxx xxx xxx xxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxxx xXxxxxxxxxxxxxxxxxxx, xxxxxxxx xxxxx Xxxxxxxxxx xx xxx xx xxxxxxxxxxxx Xxxxxxxxx xxx xxx xxxx xxxx xxxx xxxx xxx x.x. Xxxxxxxxxxxxxxxxx xxxxxxxxxx. Xxxx xxx xxxxxx xxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxx xx Xxxxxxxx xxxxxxxxxxxx xxxx Xxxxxxxxx, xx Xxxxxxxx xxx xxxxx xxxxxxxxxxxxx Xxxxxxxxxx xxxxx xx x xxxx xxx Xxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxxx xxxxx xxxxxxxxxxxxxx xxxxxxxx.

Können auch Rentner, Pensionäre, Arbeitslose und Kinder eine Sparzulage erhalten?

Xxxx XxxxxxxxxxxxxXxxxxxxxxx xxxx xxx xxxxxxxxx xxxxxxxx, xxx xxxxx xxxxxx Xxxxxxxxxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxx xxxxxx xxx xxx xxxxxx Xxxxxxxxx xxx xxxxxxxxx Xxxxxxx xxxxx xxxxxxxxxxxxxx. Xxxx xxxxx xxxxxx, xxxx xxx xxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxx. Xx xxxx xxx Xxxxxxxx, Xxxxxxxx xxx XxxxxxxxxXxxxxxxxxxxx, Xxxxxxxxxxxx xxx xxxxxxxxxxxxxxxx Xxxxxxx xxxxx xxx Xxxx xxx, xxxxxxx xxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxxxxx xxxxx xxxxxxxx xXXXxXxxxxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. x Xxx. x xxx xx.

XXXXXXXXX: Xxxxx xxxxxxx xxxx xxxx Xxxxxxxxxxxxxxxx, xxx xxxxx Xxxxxxxx xxx xxxxx Xxxxxxxxxxxxxx xxxxxxxxx: Xxxxxx xxxxxxx Xxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxx. Xxxxx xxxxxxxxxxxxxxx Xxxxxx xx xx Xxxxx xxx Xxxxxxxxxx xxxx Xxxxxxxxxxxxxxxx xxxxxxx xxxx Xxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxx x XxXXx.

3. Wie hoch ist die Arbeitnehmer-Sparzulage?

Xxx Xxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxx xxxxxxxxx xxx xxx Xxxxxxxxxx xxx xx Xxx. x XxxxXXx.

Xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxx xxxx xxxx xxx Xxxxxxxxxxxx xxxxxxxxx xxxxxx, xx xxxx xxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxx xxxx xxxx xxxxx Xxxxxxxxxxx xxx xxxxx Xxxxxxxxxxxx. Xxxxxx xxxx xxxx xx xxxxx XxxxxxxxxxxxxXxxxxxxxxx.

XXXXXXXXX: Xxx XxxxxxxxxxxxxXxxxxxxxxx xxx x xxxxxx xxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx x xxxxxxx xxx xxxxxxxxxxxxxxxxxxxxxxx xxx xx Xxx. x XxxxXXx.
Xxx Xxxxxx xxxx xxx xxx xxxxxxxxx xxxxxx XxxxxXxxxxx xxxxxxxxxxx xxx x Xxx. x XxxxXXXx.

Ihr großer Vorteil: Aus zwei Fördertöpfen dreimal kassieren!

Xxx Xxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxx Xxx xxxxxxxxxxxxx xxxxxx xxx xxxx xxxxx Xxxxxxxxxxxx xxxxx xxxx xxxxxxxxx Xxxxxxxxxx xxxxxxxx:

• Xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxxx xxxx xxx xx xxx XXX xxx Xxxxxxxxxx xxxxxxxxxxx. Xxx xxxxxxxx: Xxxx Xxxxxxxxx xxxxxxx Xxx xxxxxxxxx xxx XXX xxx xxxx Xxxxxxxxxxxxxxxxxx xxx XXX xxxxxxx xxx xx xxxxxxxxx xxx xx xxx XXX xxx. xx xxxx xxx xx xxx XXX xx Xxxxxxxxxx xxxxxxxx.
• Xxxxxxxxxxx xxxxxxx Xxx xxx xxxxxxx Xxxxxxx xxxxxxx xxx XXX xx xxxxx Xxxxxxxxxxxxxx xxxxxxxxx xxx xxxxxx xxx Xxxxxxxxxxxxxxxxxx xx Xxxxx xxx x,x x xx Xxxxxxxx xxxxxx. Xxx Xxxxxxxxxxxxx xxxx x.xxx XXX xxxxxxxxxxx xxxxxx Xxxxxxx Xxxxxxxxx: Xxxxxxxxxx xxxxxxx Xxxxxxxxxxxxxxxxxxx.

XXXXXXXXX: Xxxxx Xxxxxxxxxxxx xxxxxxxxx xxx xxxxxxxxxxxxx Xxxxxxxxxxxxx xxx xxx XXX xxxxx xxx. Xxxxxxx Xxx xxxxxxx, xx Xxx xxxxx xxxxxxxxxxx xx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxxx xxxxx Xxxx Xxxxx Xxxxxxxx xxxxxxxxxxxxxxxxx xxxxxxx xxxxxx, xx xx xxx xxxxxxxxxxxxxxxx Xxxxxxxxxx xx xxxxxxxx.

XXXXXXX: Xx xxx x.x.xxxx xxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxxxxxx, xxx xxxx xxxx xxxx xxxxxxxxxx Xxxxxxxxx. Xx xxxxxx xxx Xxxxxxx xxx x,x Xxxxxxx xxx xx Xxxxxxx, xxx xxx Xxxxxxxxxxxxxxxxx xxxx xxx xxx XXX xxx. x xxx XXX xxxxxxx. Xxx Xxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxx Xxxxxxxxxx xxxxxx xxx xx.xxx XXX xxxx Xxxxxx xxx xx.xxx XXX xxxx Xxxxxxxxxxxx xxxxxxxxx.

Besonderheit beim Bausparen

Xxx xxxx xxxx Xxxxxx xxx xxxxx Xxxxxxxxxxxxxx xxx Xxxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxx, xxxx xx Xxxxxxxxxxxx xxx Xxxxxxxxxx xxxx xx Xxxxxxx xxxx xxx Xxxxxxxxxxxxxxxx xxxx XxxxxxxxxxxxxXxxxxxxxxx xxxx xxxx Xxxxxxxxxxxxxxxxxx xxxxxxxxxxx xxxxx xxx xx Xxx. x Xx. xx Xxxxxxxxxxxx. xx XXxX xxxxx.
Xx xxxxx xxx xxx Xxxx xx, xx xxx xxx Xxxxxx xxxxxxxxxxx xxxx, xxxxx xxx xxx Xxxx, xxxx xxx xxx xxxxxxxxxxx xxxx. Xxx xxxxxxxx xx xxxxxx Xxxx xxx Xxxxxxxxxxxx xxxx xxxxxx Xxxxxxxxxxxxxxxxxxxx xx xxxxxxxx. Xxxxxx xxx xxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxx Xxxxxxxxxxxx xxxx xxxxx, xxxx xxxx Xxx xxx Xxxxxxxxx xxxx XxxxxxxxxxxxxXxxxxxxxxx xxxxxxxxxxx xxxx. Xxxxxxx xxxxxxx Xxx xxx xxxx Xxxxx Xxxxx Xxxxxxxxxxxxxxx xxxxxxxx.

Xx xxxx xxxxxxxxx xxxxx Xxxxxxxxxxxxxxxx, xxxxxx xxxx xxx Xxxxxxxxxxxxx xxxx xx xxxxxx Xxxxxxx xxxxx xxx xxxx Xxxxxxxxxxxxxxx xxx xx x xxxxxxxxxxx. Xxxx xxxx xxxx xxxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxxxx, x. X. xxxx Xxx xxx xxx Xxxxxxxx xxxxxxxxxx.

XXXXXXXXX: Xxxx xxx Xxxxxx xxxxx Xxxx xxx xxx Xxxxxxxxxxxxxx xxx Xxxxxxx xxxxxxxx, xxxxxx xxxx xxxx, xxxx xxx Xxxxxxxxxxxxxxxxxx xxx xxx xxxxxxxxxxxxx Xxxxxxxxxxxxxx xxxxxxx xxxxxxxx xxxxxx x xxx xxxxx xxx Xxxxxxxxx xxxxxxx xxxxxxx. Xxxxxxx xxxxxxx Xxx xxxxxxx, xx Xxx xxx Xxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxx xxx xxxxx xxx Xxxxx xxx Xxxxxxxxxxxxxxx xxxxxxxxx.

Xxxxx Xxx xxxxx xxxxxxxxxx xxxxxxxxxxxxxx XxxxxxxxXxxxxxxxxxxxxx xxxxxxxxxxxx, xxxxxx xxx Xxxxx Xxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxxx Xxxxx. Xxx xxxxxx xxxxxxxxxxxxxxxx Xxxxxx xxxx xx xxx Xxxxxxxxxxx xxxxxxxxxx. Xxxxxx xxxxxxx xxx xxxxxxxxxxxx Xxxxxxxxx xx xxx Xxxxxxxxxxx xx xxxxxx Xxxxx xxxxxxxxxx xxxxxx.

Xxxxxxx Xxxxxxxxxxxxx: Xxxxxxxxxxxxxx: XxxxxxxxXxxxxxxxxx xxxx Xxxxxxxxxxxx

4. Welche Anlagemöglichkeiten sind begünstigt?

Xxx Xxxxxxxxxxxxxxxxxxxx xxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx, xxx xxx xxxxx XxxxxxxxxxxxxXxxxxxxxxx xxxxxxxxxx xxxxxx, xxxx xxxxxxxxxxx. Xxxx xxx Xxxxx xxx Xxxxxxxxxxxxxx xxxx xxxx Xxxxxxx xx xxxxxxxxxxxxx xxx x XxxxXXx.

XXXXXXXXX: Xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxx xxxxx xxx xxx xxxxxxxxxxxxx, xxxxxxx xxxx xxx xxxxxxxxxxxxxx Xxxxxxxxxxxxxxxx xxx Xxxx xx xxxxx XXxXxxxxxxxxxxxx xxxxxxxx xxxxxx xXXX Xxxxxxxxx xxx x.x.xxxx, XX xxxx X. xxxxx.

a) Bausparen

Xxx Xxxxxxxxx xxxxxxxx:

xxx Xxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxx xxx xxxxx Xxxxxxxxxxxx. Xxxx xxx xxx xxxxxxxxxxxx Xxxxxxxxxx xx xxx Xxxxxx Xxxxxxxxx xxx x Xxx. x Xx. x XxxxXX xxx xx x Xxx. x XxXXx.

xxx Xxxxxxxxxxxx xxxx xxx Xxxxxxxxxx xxx Xxxxxxxx xx Xxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxx x Xxx. x Xx. x XxxxXX xxx xx x Xxx. x XxXXx.

xxx Xxxxxxxxx xxx xxxxx Xxxxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxx xxxx xxx xxxxx Xxxxxxxxx xxx Xxxxxxxxxxxxxxxxxxxx, xxx xxxxxxxxx xxxx xxx Xxx xxxx Xxxxxx xxxxx Xxxxxxxxxxxxx, xxxxx Xxxxxxxxxx xxxx xxxxx Xxxxxxxxxxxxxxxx xxxx xxx Xxxxxx xxxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxx xxx x Xxx. x Xx. x XxxxXX xxx xx x Xxx. x XxXXx.

xxx Xxxxxxxxxxxx xxx Xxxxxxxxxxx xxxxxx xxx x Xxx. x Xx. x XxxxXXx, xxx xxxx

x xxx Xxx, Xxxxxx, Xxxxxx xxxx Xxxxxxxxxxx xxxxx Xxxxxx xxxx xxxxx Xxxxxxxxxxxxxxxx,

x xxx Xxxxxxxxxxxxxx xxxxx Xxxxxxxxxxxxx xxxx xxxxx Xxxxxxxxxxx xXXXxXxxxxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. x Xx. xx.

x xxx Xxxxxx xxxxx Xxxxxxxxxxxxxxx.

x xxx Xxxxxx xxxxx Xxxxxxxxxxxxxxx.

x xxx Xxxxxxxxxxxx xxx xxxxxxxxx Xxxxxxxxxx, x. X. Xxxxxxx xxxxx Xxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxx.

XXXXXXXXX: Xxxxxxxxxxx xx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxx Xxx xxxx xxx xxxx xxxxxxxxxxxxx Xxxxxxx xxxxxxx Xxxxxxxxx xxx xxxxxxx Xxxxxxx xxxxxxxxxx xxx xxxxxx xxxxxxxxxxXxxxxxxxxxxxxxxxxx xxxxxxxx.

b) Beteiligungssparen

Xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx:

xxx Xxxxxx xx xxxxxxxxx xxx xxxxxxxxxxxxxx Xxxxxxxxxxxxxxx, xxxxxx xxxxxxxxxx xx x xxx Xxxxxxxxxxxxxxx xx Xxxxxx xxx xxxxxxx Xxxxxxxxxxxxx xxxxxxxxxx xxxx xxx x Xxx. x Xx. xx XxxxXXx:
Xxxxxxx xxx xxx Xxxxxx xx xxxxxxxxxx Xxxxxxxxxxxxxxx, Xxxxxxxxxxxxxxxxx, XxxxxxxxxxxxxxxxXxxxxxxxxxxxxxx xXxxxxxxxxx, xxxxxxxxxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxx.

xxx Xxxxxx xxx xxxxxxxxxxxx Xxxxxxxxxxx xx Xxxxxxxxxxx xxx Xxxxxxxxxxxx xxx x Xxx. x Xx. x XxxxXXx:
Xxxxxxx xxxx Xxxxxx, Xxxxxxxxxxxxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxx, Xxxxxxxxxxxx, Xxxxxxxxxxxxxxxxxxxxxx, XxxXxXxxxxxxxxxxxxxxxx, xxxxxxxx xxxxxx Xxxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxxxx, XxxxxxxxxxxxXxxxxxxx.

XXXXXXXXX: Xxxxxxxxxxx xxx xxx Xxxxxx xxxxx xxx xxx Xxxxxxxxxxxxx xx Xxxxxxxxxxx Xxxxx Xxxxxxxxxxxx, xxxxxxx xxxxxx xxx Xxxxxxxxxxxxx, xxx xxx xxx Xxxxxxxxxxxxxxxxxx Xxxxx Xxxxxxxxxxxx xxxxxxxxx xxxxxx xxx x Xxx. x XxxxXXx.

XXXXXXX: Xxxxxxxxxxxxx xxxxx Xxxxxxxxxxxxxxx xxxx xxx xxxxxxxxxxx, xxxx xxxxxx xxxxxxxx xxx Xxxxxxxxxxx xxx xxxx xxx xxxxxxxxxxxx Xxxxxxxxxxx xxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxx xxxxxxxxx xxx.

xxx Xxxxxx xxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxxx xx xxxxxxx Xxxxxxxxxxx xxx x Xxx. x Xx. x XxxxXXx:
Xxxxxxx xxxx Xxxxxx, Xxxxxxxxxxxxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxx, xxx xx xxxxx xxxxxxxxx Xxxxxx xx xxxxxxxxx Xxxxxx, xx xxxxxxxxxx Xxxxx xxxx xx Xxxxxxxxxxx xxxxxxxxx xxxxxx. Xxxxx xxxxxxxxx xxx xxx Xxxxxxxxxxx xx xxxxx XxxX, xxx xxxxx xxx Xxxxxxxxxxx xxx.

Xxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxxx xx xxxxx Xxxxxxxxxxxxxx xxx xxx xxxxxxxxxxx, xxxx xxxxx xxxxxxxx xxxx Xxxxxxxxxxxxxxxxxxx xxxx xxxx Xxxx xxxx Xxxxxxxxxxxxxxxxxxxxxx xxx, xxx xxxx xxxxxxxxxx xxxx Xxxxxx xx Xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxx xxx. Xxxxxxxxxxx xxxx xxxx xxx XxxxXxxxxxxxxxxxxxxx, xxx xxxxx Xxxx xx xxx xxxxx Xxxxxxxxxxxxxx xxxxx xxx xxxx xx x.x.xxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxx xxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxxxx xxxx Xxxxxxxxx xxx xxx Xxxxxxx xxxxx xxxxxxx Xxxxxxxxxxxxxx xxxxxxxx xxxxx xxx x Xxx. x Xx. xx XxxxXXx.

xxx Xxxxxx xx xxxxxXxxxxxxxxxxxxxxxxxxxxxxxxxxx xxx xxxx Xxxx xxx xxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxx, xxx xx x.x.xxxx xxxxxxxx xx xxx xxx xxx Xxxxxxxxxxxxxxxxx.

Xxxxx xxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxx xxx xxxx Xxxxxxxxxxx xxx Xxxxxxxxxxx xxxxxxxxx, xxx xxxxxxxxxxx Xxxxxxxxxx xx xxxx Xxxxxxxxxxx xxx Xxxxxx xxx Xxxxxxxx xx xxx Xxxxx xxxxxxxxx. Xxx xxx xx xxxxx Xxxxxxxxxxx xxxxxxxx xxx Xxxxxx xxx Xxxxx, xxx xxxx xxxx xxxx Xxxxxx xxxxxxxxxx xx x xxx Xxxxxxxxxxxxxxx. Xxx xxxxxxxxxx Xxxxxx xxxxxxx xx xxxxxxxxxxxxx Xxxxxxxxxxx xxxxxxxxxx xxxxxx. Xxxxx xx Xxxxxx xxxxxxxxxxx xxx Xxxxx xxxx Xxxxxx xxxx xx xxxxx xxxxxxxxxxxxxxx Xxxxxxxxxxx. Xxx Xxxxx xxxxxxx xxxxx xxxx xxxx xxxxxxxxx Xxxxx xxxxxxxxx xxxxxx, xxxx xxx xxx xxxxxxxxxxxxx Xxxxxxxxxxxxxxxx xxx Xxxxxxxxxxx xxxxxx xxxxxx.

Xxxx xxx Xxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx. xxxx xxx Xxxxxx xxx xxxxxxxxx Xxxxxxxxxxxxx xxxxxx xxxxxxxxxxxx Xxxxxxxxxxxxxx xx Xxxxxxxx: Xxxxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxx, XxxxxxxxxxxXxxxxxxxxxx xxx xxx Xxxxxxxxxxx, XxxxxxxxxxxxxXxxxxxx xxx xxx Xxxxxxxxxxx, XxxxxxxxxxxxxXxxxxxxxxxx xxx xxx Xxxxxxxxxxx.

XXXXXXXXX: Xxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xx xxxxxxxxx, xxxxxxx Xxx xxxxxxxxx xxx Xxxxxxxxxxxx xxxxx Xxxxxxxxxxx xxx Xxxxxx xxxxx xxx xxxxxxxxx Xxxxxxx xxxxxxxxx xxx xxx Xxxxxx xx xxxx xxxxxx Xxxxxx xxxxxxxxxxx xxx x Xxx. x Xx. x XxxxXXx.

c) Kontensparen

Xxx Xxxxxxxxxxxx xxxxxxxx:

xxx Xxxxxx xxx Xxxxxxxxx xx xxxxx Xxxxxxxxxxxxxxxxxx xxx x Xxx. x Xx. x XxxxXXx. Xxx Xxxxxx xxx xxxxxxxx xx Xxxx xxxxxxxxx Xxxxxxxxx xxxx xxx Xxxxx xxx xxxxxxxxxx xx Xxxxxx xxx x XxxxXXx.

xxx Xxxxxx xxx Xxxxxxxxxxxxx xxx xxxxx Xxxxxxxxxxx xxx xxxxx Xxxxxxxxxxxxxx xxx x Xxx. x Xx. x XxxxXXx. Xxx Xxxxxx xxx xxxxxxxx xxx Xxxxxxxxxxxx xxxx xxx xxxxxxxx Xxxxxxxxx xxxx xxx Xxxxx xxx xxxxx Xxxxxx. Xxx Xxxxxxxxxx xxxxxxxx xxxxxx Xxxxx xxx x XxxxXXx.

XXXXXXXXX: Xxx xxxx xxxxxxxxxx, xxx Xxxxxx xxx Xxxxxxxxxx xxx xxx xxxxxxxxxxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxxxxxxxxx Xxxxxxxxxxx, Xxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxxxxxx, Xxxxxx, Xxxxxxxxxxxxxxxxxxxxxxxxxxx, Xxxxxxxxxxxxx xx xxxxxxxx. Xxxxxxxxx xxxxxxx Xxx xxx xxxxxxxxxxxx Xxxxxxxx xxx xxxxx Xxxxxxxxxxxxxx x xxxx xxx Xxxxxxxxx x xxxxxxxxxxx xxxxxx.

d) Verwendung auch für die betriebliche Altersvorsorge?

Xxx Xxxxx xxx, xx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxxx xxxx xxxx xxx xxxxxxxxxxxx Xxxxxxxxxxxxxxxx xxxxxxxxxx xxxxxx xxxxxxx. Xxxxxxxxxxxxxx xxxx, xxxx xxx Xxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xx x. Xxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxx xxx. Xxx xxxxx xxx xxx Xxxxxx xx xxxxx Xxxxxxxxxxxxxxxxxxxxx xxxxx xxxxxxxxxx.

XXXX: Xx xxx Xxxxxx, Xxxxxxx xxx Xxxxxxxxxxxxxxxx xxxxx xxx Xxxxxxxxxxxxxxxxxxxxx xxxxxxxxxx, xxxx xxx xxxxxxxxxx "xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx" xXxXx xx "xxxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxx" xXxxXx xxxxxx xxx xxx xxxx xxxx xxx Xxxxxx xxxxx xxxxxxxxxxxxxxxx xxxxxxxxxxxxx Xxxxxxxxxxxxxx xxxxxxxxx xxxxxx. Xxxx xxxx xxxx xxx x.xx.xxxx. Xxxxx xxxxxxx xxx Xxxxxxxxxxxxxx xxxxxxxx xxxxxxxxx Xxxxxxx xxxxxxx:

• Xxxxxxxxxx xx xxxxx xxxxxxxx xxxx xxxxxxxxxxxxx XxxxxxxxXxxxxxxxxxxxxxxxxxxxx.
• Xxxxxxxxxx xx Xxxx xxx Xxxxxxxxxxxxxxxxx xx xxxxx xxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxx.
• Xxxxxxxxxx xx xxxxx xxxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxx.

Xxx Xxxxx xxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx xxxxxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxxx xxx xxxxxxxxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx.

Xxxx xx Xxxxxxxxxx xxxxxx xxx xxxx Xxxxxxxxxxxx xxxxx xxxx Xxxxxxxxxxx xXX XXXx, xxxx xxx Xxxxxxxxxxx xxxxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxx Xxxxxxxx xxx xx,xx Xxxx xxxxxxxxx xxxxxxxxx xxxxx xxxxxxxxxxxxx Xxxxxxxxxxxxxx xxxxx. Xxxxxxxxxxxxx xxxxxx xxx, xxxx xxx Xxxxxxxxxxxx xxxx xx Xxxx xxx Xxxxxxxxxxxxxxxxx xxx xxxxx Xxxxxxxxxxx xxx xxxxxxxxxx x,xx Xxxx xxxxxxxxx xxxxxxxxx.

5. Verwendung vermögenswirksamer Leistungen zum Wohnungsbau direkt

Xxxx Xxxx xxx Xxxxxxxxxx, xxx xxx xxxxx XxxxxxxxxxxxxXxxxxxxxxx xxx x x xxxx xxxxxxx xxx XXX xxxxxxxxxx xxxx, xxx xxx Xxxxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxx xxxxxx xxx x Xxx. x Xx. x XxxxXXx.

Xxx Xxxxxxxxxxx xxxxxx xxxxxx Xxxxxxxxxxxx

• xxx Xxx, Xxxxxx, Xxxxxx xxxx Xxxxxxxxxxx xxxxx Xxxxxx xxxx xxxxx Xxxxxxxxxxxxxxxx,
• xxx Xxxxxxxxxxxxxx xxxxx Xxxxxxxxxxxxx xxxx xxxxx Xxxxxxxxxxx xXXXxXxxxxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. x Xx. xx,
• xxx Xxxxxx xxxxx Xxxxxxxxxxxxxxx,
• xxx Xxxxxx xxxxx Xxxxxxxxxxxxxxx,
• xxx Xxxxxxxxxxxx xxx xxxxxxxxx Xxxxxxxxxx, x. X. Xxxxxxx xxxxx Xxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxx.

XXXXXXX: Xxxxxxxxxxx xxxx xxx Xxxxxxxxxxx xx Xxxxxxxxx, xxx xx Xxxxxxxxxxx xxxxxx. Xxxxxxxx xx Xxxxxxx xxxxxxx xxxx xxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx xxx Xxxxxxxxxx xxxxxxxxxx xxxxxx.

Xxxx xxx Xxxxxx xxx Xxxxxxxxxxx xxxxxx xxxxxx x xxxxxxxxxx xxx xxx xxxxxxxx Xxxxxxxxxxxx x xxxxxx xxxxxxxxx Xxxxxxxxxx:

• Xxx Xxxxxxxxxxx xxxxxxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxx xxxxxxxxxxx xx xxx Xxxxxxxxxxxxxx, xxxxxxx xxx Xxx Xxxxxxxxx xxx xxxxxx xx Xxx. Xxxx xxxx xxxxxxx Xxx xxx xxxx xxxxxxxxxxxx Xxxxxxxxxxxx Xxxxx Xxxxxxxxxxx xxxxxxxx, xxxx xxx Xxxx xxxxxxxxxxxx xxx Xxx, Xxxxxx, Xxxxxx xxxx Xxxxxxxxxxx xxxxx Xxxxxx xxxx xxxxx Xxxxxxxxxxxxxxxx, xxx Xxxxxx xxxxx Xxxxxxxxxxxxxxx, xxx Xxxxxx xxxxx Xxxxxxxxxxxxxxx xxxx xxx Xxxxxxx xxxxx Xxxxxxxxxxxxxxxxx xxxxxxxxx xxxx xxx x Xxx. x XxxxXXx.

XXXXXXXXX: Xx xxxxxxxxxxx xxx xx, xxx Xxxxxxxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxx xx xxx Xxxxxxxxxx xxxxxxxxxxx xx xxxxxx. Xxxxxx xxxxxxxxxx xxxx xxx Xxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx.

• Xxx Xxxxxxxxxx, xxx Xxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxxx xxxxx, xxxx xxx Xxxxxxxxxxxxxx xxx xxxxxxxxxxxxxx Xxxxx xxxxxxxxxxxx xxxxxxxxxxxx. Xxxx xxxxxxx Xxx xxx xxx Xxxxxxxxxxxx xxxxxxxx xxx xx XxxxXXx.
• Xxx XxxxxxxxxxxxxXxxxxxxxxx xxxx xxx Xxxxxxxxx xx Xxxxxxxxxxxxxxxxxxxxxxx xxxxx xxxxx xxxxxxxxxxx, xxxxxxx xxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxx xx Xxx xxxxxxxxxx. Xxxx xxxx xxxxx Xxxxxxxxxx xxxx xx xxxxx Xxxxxxxxxx xXXXxXxxxxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. xx Xxx. xx.

6. Wann dürfen Sie über Ihre Anlage verfügen?

Xxxx Xxx xxx XxxxxxxxxxxxxXxxxxxxxxx xx Xxxxxxxx xxxxxx, xxxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxxxxxxx xxxxxxxx xxx xxx. Xxxxxxxxxxxx xxx xxxxx xxxx xxxxxx Xxxxxx xxxxxxxxxxx xxxxxx. Xxxxxx xxx Xxxxxxxxxxxx xxxxx xxxxxxxxxxx, xxxxxxxxx xxx Xxxxxxxx xxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxx xxx xx Xxx. x XxxxXXx.

Xxx Xxxxxx xxx Xxxxxxxxxx xxx xxxx Xxxxxxxxxx xxxxx Xxxx Xxxxxx xxx xx xxx xxxxxxxxx Xxxxxxx xxxxxxxx, xxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xx xxxxxxxxx xxx xxxxxxxxxxxxx xx xxxxxxx xxx x Xxx. x XxxxXXx:

• Xxx xxxx Xxx Xxxxxxxx xxxxxxx xxxx Xxxxxxxxx xxx Xxxxxxxxx.
• Xxx xxxx Xxx Xxxxxxxx xxxxxx xxxxxxx xxxxxxxxxxxxxxx. Xxx xxxxxxxx Xxxxxxxxxxxxxxxxxxx xxxx xxxx xxxxx Xxxxxxxxxxxxxxxx xxxxxxx xx xx Xxx. x XXX XX xxxx xxx Xxxx xxx Xxxxxxxxxxx xxx xxxxxxxxxx xx.
• Xxx xxxxxxxx xxxx Xxxxxxxxxxxxxxxxx xxx xxx Xxxxxxx xxxxxx xxxx xxxxxxx xxxx Xxxxx.
• Xxx xxxxxx xxxx Xxxxxxxxxxxxxxxxx xxxxxxxxxx, xxx Xxxxxxxxxxxxxxxx xxxxxx xxxxxxxxxx xxx Xxxx xxxx xxx xxxxxxx xxxx xx Xxxxxxxxx xxx xxxxxxxxxxx Xxxxxxxxxx.
• Xxx xxxxxx xxxx xxxx Xxxxxxxxxxxxxxxxx xxxxxxxxxxxxxx.
• Xxx xxxxxx xxx Xxxxxx xxx xxxx xxx xxxxxx Xxxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxx xxx Xxxxxxxxx, xxx xxxx xxxxxxxxx xxx xxxx Xxxxxxx. Xxxxxxxxxxxxx xxx, xxxx xxx Xxxxxxxxxxxxxxxxx xxxxxxxxxx xxx Xxxxxxxxx xxxxxxxxxxxxx xxxx xxx Xxxxxxxxxx xxx Xxxxxxxxxxxx xxxxxxxxxx, xxx xxx xxxxxxxxxxx Xxxxxxxxxx xxxxxx xxx xxxxx xxxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxx xxx x Xxx. x Xx. x xxx x. XxxxXXx.
  Xxxxxx xxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx Xxxxxx xxxxxx xxxx xxxxxxxx xx Xxxxxxxxxxx xxx Xxxxxxxxxxxx xxxxxxxxxx, xxx xxx xxxxxxxxxxxxx Xxxxxxxxxx xxx xxxxxxxx, xxxx xxxxxx Xxxxxxxxxx xxxxxxxx. Xxxx xxxx xxx xxxxxxxxxxx Xxxxxxxxxxx xxxxxxxxxxxx.

XXXXXXXXX: Xxx xxxxxxxxxxxxx Xxxxxxxx xxxx xxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxx xxx xxxxx xxxx xxxxxxxx xxx xxxxx Xxxxxxxxxxxxxx. Xxxx xxxx xxxxxxxxxx xxxx Xxxxxxxxxxxxxx xxx xx XXX, x.x. xx xxxxxxx xxxxxxxxxx xx XXX xxxx Xxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxxxxx xxx xx Xxx. x Xx. x xxx x. XxxxXXx.

Xxxx xxxx xxx xxxx xxxxxxxxxx Xxxxxxxxxx xxxx xxxx xxxxxxxxxxxx, xxxx xxx Xxxxxxxxxxxxx xxxxx xxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxx xxxx Xxxxxxxxxxxxxxxxx xxxxxxxxx xxxx xxxxxxx xxxxxxxxxxxxxxx xxxxxxxx xxx xxx x Xxx. x Xx. x xxx x. XxxxXXx. Xxxxxx xxxx xxxxxxxx xxxxx xxx Xxxxxxx xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxxxxxx xxx Xxxxxxxxxxxxx xx xxxxx Xxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxx x Xxx. x Xx. x xxx x. XxxxXXx.

Xxx xxx xxxxxxxxxxx xxxxxxxxxxxxxx Xxxxxxxxxx xxxxx xx xxxxxx Xxxxxxxxx xxx Xxxxxxxxxx. Xxx xxxxxxxxx Xxxxxxxxxxxxx xxxxxxx xxxxxx xxxxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxxx xxxxxx. Xxx xxxx xxxxx Xxxxxxxx xxxxx Xxx xxxxxxxxx Xxxxxxxx xxx xxx XxxxxxxxxxxxxXxxxxxxxxx. Xx xxxxxx Xxxx xxxx xxx Xxxxxx xxx Xxxxxxxxx xxxxx xxxx xxx xxxxxxxxxxx, xxxxxxx xxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxx xx Xxx xxxxxxxxxx xXXXxXxxxxxxxx xxx xx.x.xxxx, XXxXx. xxxx X X. xxx, Xx. xx Xxx. xx.

XXXXXXXXX: Xxxxxxx xx xxxx xx xxxxx Xxxxxxxxxxxxxx, xxx xxx Xxxxxxxxxx xxx xxx Xxxxxxxxx xxxx xxxx xxxxxxxxxxxx, xxxx Xxx xxx Xxxxxx xxxxxxxxxxxxx xxx xxxxxxxxxxx xxxx Xxxxxx xxx Xxxxxxxxxxxx xxxxxxxxx xxxx xxxxx Xxxxxxxxxxxx xxxxxxxxxx, xxx xxx xxxx Xxxxxx xxx Xxxxxxxxxxxx xxxxxxxxx.

Xxxxxxxxx xxxx xxx Xxxxx xxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxxx xxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxxxx. Xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxxx xxxxxx Xxxxxxxxxxxx, xxx xxxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxx, x,x x xxxx Xxxxxxxxx xxx xx xxx XXX x x.xxx XXX, xxxxxx Xxx xx xxxxxxxxxxxxx Xxxxxxxxx xxxxx xxxxxx xxx xxx xx.xxx XXX xxx. xx.xxx XXX xXxxxxxxXxxxxxxxxxx.

• Xxx Xxxxxxxxxxxxxxxxx, xxx xxx xxxx xxxxxxxxxxxxx xxxxxx, xxxx xxx Xxxxxxxxxxxx xxxxxxxxx xxx x Xxxxxx xxxxx xxxx xxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxx xxxxxxxxxx xxxxxx. Xxxx Xxxxxx xxxxxx Xxxxxxxxxx xxxx xxxx xxx Xxxxxxxxxxxxxxx xxxx xxxxxxxxx Xxxxxx xxxxxxxxx xxxxxx, x. X. xxxx xxx xxxxx Xxxx xxxx xxxx Xxxxxxxxxx.
• XXXX xxxxx xxxxx Xxxxxxxxxxxxxxxxx xxx xxxxx xxxx xxxxxxx xxx Xxxxxxxxxxxxxxxxx, xxx xx xxx x.x.xxxx xxxxxxxxxxxxx xxxxxx. Xxxxx xxxx xxx Xxxxxxxxxxxxxxxxxx xxx xxxx xxxx xxxxxxxx, xxxx Xxx xxx Xxxxxxxxxxxx xxxxx xxx xxxxxxxxx xxx Xxxxxxxxxx xxx x Xxxxxx, xxxxxxx xxxx xxxx x Xxxxxx xxxxxxxxxxxx xxxx xxxxxxxxxxxxxxxxxxx Xxxxxx xxxxxxxxx xxxx xxxxx Xxxxxxxxxxxx xxxx xxxxxx xxxxxxxxxxxxxxxxxxx Xxxxxx xxxxxxxxxxx. Xxxx xxx xxx xxxxxxxxx Xxxxxxxxxx xxxx xxx Xxxxxxxxxxxxxxxxxx xxxx xxx xxxxxxx x Xxxxxxxxx xxx xxxxx xxxx xxx xxxxxxx xxxx xxxxx Xxxx xxxxxxxxxxx xxx x Xxx. x XxXXx.
  Xxxx Xxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxxx xx
  xxxx Xxxxxxxxxxx, xxx xxx Xxxxxxxxxxxxxxxxxxxxxx xxxx xxxxx xx Xxxxx xxx xxxx, xxxxx
  xx Xxxxxxxxxxxxx, xxx Xxx, Xxxxxxxxxxxxxxxxxxx xxx Xxxxxxxxxxxxxxxx.

Xxxxxx Xxx xx xxxxx Xxxxxxxxxxxxxx xxxxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx xxxx xxxxxx Xxxxxxxxx xxx, xxxxxx xxx xxX xxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxx xxx xxxxxxx Xxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxxxx. Xx xxxxxx Xxxx xxxx xxxx Xxxxxxxxxxxxxxxx, xxx xx xxx x.x.xxxx xxxxxxxxxxxxx xxxxxx, Xxxxxxxxx:

• Xxxxxxxxx xxx Xxxxxxxxxx xxx x Xxxxxx xxxx xxx Xxxxxxxxxxxx xxx xxxx xxxxxxxxxxxxxxxxxxx Xxxxxx xxxxxxxxx xxxxxx, xxxx xxxx Xxxxxxxxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxxxx.
• Xxxx Xxxxxx xxx Xxxxxxxxxx xxx x Xxxxxx xxxx xxx Xxxxxxxxxxxxxxx xxxx xxxxxxxxx Xxxxxx xxxxxxxxx xxxxxx, xxxx xxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxxxxxxx xxx. Xxxx xxx Xxxxxxxxxxxxxxxxxx x xxx xx xxxxxxx xxx xxxx xxx xxxxxxx x Xxxxx xxxxx xxxxxx x xxxx xx xxxxxx Xxxx xxxxx xxxxxxxx.
• Xxxx xxx Xxxxxxxxxxxx xxxx Xxxxxx xxx Xxxxxxxxxx xxxx xxxxxxxxxxxxxxxxxxx Xxxxxx xxxxxxxxx, xxxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxx xxxx xxxxxxxxx xxxx xxx xxxxxxx x Xxxxx xxxxxxxx.

XXXXXXX: Xx xxx x.x.xxxx xxxx xxx Xxxxxxxxxxxxxxxxxx xxxxxxxx xxxxxxxxxx, xxx xxxx xxxx xxxx xxxxxxxxxx Xxxxxxxxx. Xx xxxxxx xxx Xxxxxxx xxx x,x Xxxxxxx xxx xx Xxxxxxx, xxx xxx Xxxxxxxxxxxxxxxxx xxxx xxx xxx XXX xxx. x xxx XXX xxxxxxx. Xxx Xxxxxxxxxxxxxxxxx xxx xxxxxxxxxxxxx Xxxxxxxxxx xxxxxx xxx xx.xxx XXX xxxx Xxxxxx xxx xx.xxx XXX xxxx Xxxxxxxxxxxx xxxxxxxxx.

7. Wie erhalten Sie die Arbeitnehmer-Sparzulage?

a) Antrag

Xx xxxx xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xx Xxxxxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxx xx xxxxxxx, xxx xxx Xxxxxxxxxxxxxx, x.X. xxx Xxxxxxxxxxxx, xxx Xxxxxxx xxxxxxx xxxxxxxxx xxxx Xxxxxxxxxxxxx xxxxxxxxxxx x xxx "Xxxxxx XX. Xxxxx Xxxxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxxxx. Xxx xxxxxxxxx Xxxxxxxxxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xx Xxxxxxxxxx xXxxxxx XXx xxxxx xxxx xxxxxxxx xxxx xxx Xxxx xxxx xxxxx xxxx xxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxx xxx Xxxxxxxx xxxxxx xx xxx Xxxxxxxxxxxxxxxx xxxxxxx. Xxx Xxxxxxxxxxxxxxxx xxxxxxxx xxxx Xxxxxx xxxx xxxx xxx Xxxxxx XX, xxx xxx Xxxxxxxx xxxxxxxxx xxxxx Xxxxxxxxxxxxxxxxxxxxx xxxx. Xxxxxxxxxxxx xxx xxx xxxx Xxxx Xxxxxxxxxxxx xx xxx Xxxxxxxxxxxxxxxxxx xxxxxx xxxxxxx Xxx xxxx xxxxxxxx!x. Xxx Xxxxxxxxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxxxxxxxxx Xxx xxx xxx xxx Xxxxxxx xxxxx "x" xx xxx Xxxxx xx xXxxx xxxxx xxx Xxxxxxxxxxxxxxxxxxxx xxxx xxxx: Xxxxx xxx.

Xxxxxxx Xxxxxxxxxxxxx: Xxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx.

Xxxxxxxxxxxx: Xxx Xxxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxxxxxx Xxx xxxxxxxxxxx xxx xxx Xxxx xxx xxxxxxx Xxxxxx xxxx xxx Xxxxxxxx xxxxxxx xxx xx Xxx. x XxxxXXx. Xxxx xxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxx xxx Xxxxxx xxxxxxxxxxxx xxx, xxxx xxxxx xxx Xxxxxxxxxxxxx xxx x Xxxxx, xxx. Xxxxxxxxxxxxx xxxxxxx xx xxx Xxx. x Xx. x XX xXXXxXxxxxx xxx xx.x.xxxx, XXxXx. xxxx XX X. xxxx.

b) Festsetzung

Xxx Xxxxxxxxx xxxxx xxx XxxxxxxxxxxxxXxxxxxxxxx xx Xxxxxxxxxxxxxxxxxxxxxxx xxxx xx xxxxx xxxxxxxxxxx Xxxxxxxx xxxx. Xx Xxxxxxxxxxx xxxxxx xx xxxxxxxxx xxx xxxxxx Xxxxxxxxxxx, xx xxxxxxx Xxxxxxx xxxx xxxx xxx Xxxxxxxxxx xxxx xxxxxx xxxxxxxxxx:

• Xxxxxxxxxxx xxxx xxx Xxxxxxxxxx xx Xxxxxxxxxxxxxxxxxxxxxxx, xxxx xxx Xxxxxxxxxx xxx Xxxxxx xxxx xxxxx xxxxxxxxxx xxx. Xxx Xxxxxxxxx xxxxxx xxx xxxxxxxxxxxx Xxxxxxxxxx xx xxx Xxxxxxxxxxxxx xxx Xxxxxxx xxx xxx Xxxxxxxxxxxxxxxxxxx Xxxxxx xXxxxxxxxxxx xxxx, xxxxx Xxxxxxx. Xxxx xxxx xxx Xxxxxx xxx Xxxxxxxxxx xxxxxxxxxx.
• Xxx xxxxxxxxx xxxxxxxxxxxxx Xxxxxxxxxxx xxxxxx xx xxxxx Xxxxxx xxx Xxx Xxxxxxxxxxx xxx xxx Xxxxxxxxxxxxxx xxxxxxxxxxx, xxxx xxx xxxx xxx Xxxxxxxxxxxxx xxxxxxxx Xxxxxxxxxx xxxxxxxxxx xxx xxxx xxxx Xxx xxxxxxxxx xxx xxxxxxxxxxxx xxxxx xxx Xxxxxx xxxxxxxxx xxxx xxxx xxx Xxxxxxxxxxxxxx xxxxxxxxx xxxx.
• Xxxxxxxxxx xxxx xxx Xxxxxxxxxx xxxxxxxx xxx xxx Xxxxxxxxxxxxxxxx xxxxxxxxx xx Xxx,
  • xxxx xxx Xxxxxxxxxx xxxx xxx Xxxxxx xxxxxxx xxxxxxxxxx xxx xxx Xxx xxxx xxxxxx xxxxxxxx,
  • xxxx xxx Xxxxxxxxxxxxxx xxxxxxxxx xxx xxx xxxx xx xxx Xxxxxxxxxxxxx xxxxxxxx,
  • xxxx Xxx xxxxx xxx Xxxxxx xxxxxxxxx xxx xxxxxxxxxxxx xxxxxxxx xxxxx xxxxxx Xxxxx xx,
  • xxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxx xxxx xxx Xxxxxxxxxxx xxxxxxxxx xxxxxx, xx xx xxxx xxxxx Xxxxxxxxxx xxxx xxxxxx Xxxxx xx,
  • xxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxx xxx Xxxxxxxxxx xxx Xxxxxxxx xx Xxxx xxx Xxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx xxxxxx, xxxx xxxx xxxx xxxx xx xxxxx Xxxxxxxxxx.