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ImmoWorld Suchen & Ansparen

Search & save. Build up capital for a home.

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Build equity from early on – a how to guide.

Are you dreaming of home ownership? Then it pays to start planning early: you will need to provide at least 20% of the purchase price as equity. Find out how people manage to save for their own home, even from a young age.

Individual savings products

At least 10% of the purchase price must be so-called ‘hard equity’, so cannot come from an occupational pension (pension fund). With suitable savings products, you can lay the foundations for fulfilling your dream of a place to call home – and benefit from tax advantages too. We help you find the right savings solution.

Pillar 3a

Pillar 3a is a good option for building up capital for a new home and saving on taxes while you're at it. Our 3a savings calculator highlights the potential tax savings.

Need more equity?

Not everyone is able to buy a house without a little help from elsewhere. With this in mind, check whether one of the following options applies to you.

Advance on inheritance or gift

Depending on the assets of a buyer's parents, an advance on inheritance or a gift can contribute towards the equity needed. A few important points need to be considered so everything goes smoothly.

Find out more

Take out a loan

It's also possible to take out a loan from family, friends or acquaintances. But if you choose to take out a loan with a bank then an interest-free loan with no repayment obligation or fixed-term is usually your only option. Here too, a few things need to be considered.

Find out more

Personal & digital. Comprehensive advice on your home.

Our experts can advise you on all financial matters associated with searching for, buying, owning and selling a home. They also keep an eye on insurance and pensions.