Table of contents:
- One family, one goal
- Something own
- wishes come true
- Youngsters bring happiness
- Financing tip: Secure low interest rates with home savings
- Seize opportunities
Video: Real fans: Building savings is a family matter here
Bad Nauheim in Hesse could also be given the title "Capital of the LBS building society". Because the Zahrt family lives in the spa town. All members of this family have at least one LBS home savings contract - from infants to grandmothers. Real fans.
The Bauspar clan from Bad Nauheim introduces itself: In addition to mother Cornelia Zahrt (61), her sons Alexander (38), Christian (35) and Stephan (29) and daughter Janina "Nina" Zahrt (32) belong to the Zahrt family. Everyone - except Nina - lives in Bad Nauheim: Alexander with his wife Annika and their baby, Christian with his wife Ong She Im, called Sam, son Benedikt (1 year) and little brother, and Stephan with his girlfriend Janina Bode.
Nina Zahrt lives with her partner Theo Weinmann and the children Leo (5) and Merle (2) in Uelversheim, Rhineland-Hesse, on her partner's family-owned winery, a riding school built around 1860.
One family, one goal
The basic idea of all Zahrts: With home savings we secure the currently low interest rates. Either for current projects, planned renovation and extension measures at some point or as a capital increase for a later property purchase. For the youngest family members there was a Classic Young building society contract as a good start in life. LBS district manager Marianne Thome, who knows everyone very well and who got the financing on her feet, sums it up: "This family has become a real LBS fan through me."
Mother Cornelia Zahrt has developed an affinity for building savings through her job as a real estate agent and interior designer. Born in Bielefeld, she currently lives for rent, but she firmly instilled the importance of her own four walls in her children: “You can rely on real estate as a pension. The most important thing is a roof over your head,”says Zahrt. It is not easy to find something affordable in Bad Nauheim. “But by chance and through my contacts with broker colleagues, it worked. It's like winning the lottery.”Their children's homes are just a few hundred meters apart.
A dream home with blue shutters: Christian Zahrt bought a two-family house in the middle of the beautiful old town of Bad Nauheim for his small family.
wishes come true
Christian has always had the dream of owning a home. Nevertheless, his mother had to “talk about” a building society contract. Meanwhile, the industrial engineer, who is currently on parental leave, calls himself an undercover LBS seller. Because he always asks friends whether they already have a home savings contract. He bought his two-room apartment in Bad Homburg in 2011 as a property and completely renovated it. Christian and his loved ones have been living in a two-family house in the old town since 2013, which was built around 1890. “Of course I also have a home savings contract for the expansion and conversion of the extension,” he grins. "And I also backed up my financing with a building society contract. It was very important for me to finance my house to the last installment.”His brother Stephan and girlfriend Janina rented Christian's house on 50 square meters. The student and the tax clerk still build up equity capital with their building society savings contracts and funding options before they start buying.
Youngsters bring happiness
Postman Alexander and Ms. Annika also gave birth to newborns in July - and with that the reason to decide to buy a house. The two-room apartment would have been too small. "In February we bought the 100-year-old single-family house, which is under ensemble protection with its small courtyard property, " says the new owner. “What went on here during the renovation was really sporty. Nobody would have thought that we could move in after three months.”Alexander is also pleased:“Before the pregnancy we hadn't even thought about buying a property. But now we are totally happy here in the old town with the great view of the Johannesberg.”All Zahrts agree on one thing: a house in the spa town of Bad Nauheim never loses value. On the contrary. Your own four walls are simply the best retirement savings.
Homeowner: Alexander Zahrt with wife Annika and mother Cornelia Zahrt (right).
Financing tip: Secure low interest rates with home savings
Marianne Thome, LBS district manager at LBS FinanzCenter Gelnhausen-Schluechtern:
"My motto is: Fund the property from A to Z! That way I know from the first to the last day what interest I have to pay, how high my rate is and when I paid off my own home. Anyone who needs a loan to buy a property is currently getting more favorable terms than ever before. That is why building society savings are particularly worthwhile at the moment. This is also emphasized by consumer advocates such as the Stiftung Warentest. Because with a home loan savings contract, real estate financiers can secure the current interest rate right down to the last installment - even if it is only due in twenty years. For example, through our new 100 percent financing with the L tariff - long term, low rate, low interest!
The Zahrt family also recognized these advantages. And that is why it means: save on building and secure interest. And when it comes to capital accumulation, use the state funding options such as housing construction bonus (WoP) and employee savings allowance on wealth-generating benefits (VL). In addition, with a residential Riester building society savings contract, you can benefit from allowances and considerable tax advantages if you are eligible for funding.”
Female power: Marianne Thome (front) Adriane Glaser (left) and Yvonne Hummel are there for their customers.
Popular by topic
Personal contribution lowers the cost of building a house and has enormous savings potential. You can find out here which jobs you can do yourself and which you prefer to leave to the professionals
A rented condominium improves the pension. Investors also benefit from home savings
Old savings bank savings book found? You should know this if you want to dissolve it and get your credit
Transfer in seconds: Sparkasse customers can now transfer money in real time. This brings advantages - not only when shopping online
Water veins, earth rays - reality or esoteric humbug? Not so easy to say. Read our overview and form your own opinion