When is a building savings contract ready for allocation if you pay in all at once?
Hello!
I have a relatively healthy 100-euro building society savings account; I've slowly saved up around 10,000 over the past few years. My banker told me that when I had about €46,000-47,000 in it, it would be available for allocation. To avoid hitting the limit early, I've been paying in slowly. I already have the missing €35,000 in another account for that. If I want to take out a loan for a garage next year, when should I pay in the 35? I don't want to deposit the money until I need it, as I'll earn more interest on it than on the building society savings account then, so I won't withdraw it from my investment until "necessary."
(1 votes)
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The question is: What are the credit conditions of the construction contract?
Is an allocation worth compared to the current credit conditions?
When the assignment is only the consultant can expect you. Nonetheless, 10,000€ for a 100,000€ Baupsarverrag are very little, so you have to wait for a while even if you pay 35,000€.
As you get almost no interest on the Baupsar contract is logical, but the longer you wait with the deposit, the longer the allocation takes.
Hello, the interest rate of the Bausparer is below 1% therefore yes – is worth ^^
It’s about the loan interest, not the credit interest.
If the loan interest is below 1%, I would ask when the contract will be allocated if you would still pay €35,000 today.
The loan interest is, of course, less than 1, the credit interest interest interest me relatively little in the construction saver, which is defacto not present.