Bankberatung beim Immobilienkauf mangelhaft

Ein neuer Test der Beratung beim Immobilienkauf in Deutschland hat ergeben, dass die Bankberater in vielen Fällen nicht in der Lage sind, den Immobilienkäufern den richtigen Kredit zu geben. Die Bankberatung beim Immobilienkauf ist mangelhaft.

Bankberatung beim Immobilienkauf mangelhaft
Bankberatung beim Immobilienkauf mangelhaft

Auf die Bankberatung beim Immobilienkauf kann man sich nach einer umfangreichen Untersuchung der Stiftung Warentest nicht verlassen. Das Kreditangebot eher selten den Bedürfnissen der Kunden. Diese brauchen einen Kredit, der genau so hoch ist, wie ihre Finanzierungbedürfnisse ausmachen (und nicht mehr oder weniger). Außerdem sollte der Baukredit transparent und nachvollziehbar hinsichtlich der Kostenentwicklung sein, was in vielen Fällen nicht gegeben war.

Offensichtlich sind die Bankberater motiviert, den Kunden einen höheren Kredit zu verkaufen, als diese tatsächlich benötigen. Außerdem ist in vielen Fällen die monatliche Rückzahlungsrate für Zinsen und Tilgung nicht optimal auf die finanzielle Leistungsfähigkeit der Kunden ausgerichtet. Staatliche Fördermittel, wie sie durch eine Kombination mit einem Riester-Vertrag möglich sind oder durch die staatliche KfW-Bank gewährt werden, fehlen oft, um die Baufinanzierung auf eine bessere Basis zu stellen.

Gegenwärtig sind die Zinsen sehr niedrig und viele potentielle Käufer von Immobilien brauchen eine solide und langfristig funktionierende Baufinanzierung. Das geht oft am besten über ein sogenanntes Annuitätendarlehen, das hinsichtlich Finanzierungshöhe und Rückzahlungsbedingungen punktgenau auf die Bedürfnisse der Kunden ausgerichtet ist. Macht man als Kunde eine entsprechende Vorgabe potentiellen Banken, dann bekommt man sehr unterschiedliche Finanzierungsvorschläge. Bezogen auf die Gesamtlaufzeit eines Kredits können auch geringe Zinsdifferenzen sich zu mehreren zehntausend Euro Zusatzkosten aufschaukeln. Es macht daher Sinn, sich zunächst die Rahmendaten seiner Baufinanzierung durch externe Berater genau bestimmten zu lassen. Anschließend kann man dann mehrere Banken auffordern ein entsprechendes Angebot abzugeben.

Bildnachweis: © RioPatuca Images – Fotolia.com

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