Die Umkehrhypothek als Immobilien-Rente nutzen

In Deutschland ist die Umkehrhypothek bisher noch nicht sehr bekannt. Die Umkehrhypothek funktioniert deshalb umgekehrt zu einer normalen Hypothek, weil dem Immobilien-Besitzer regelmäßig Geld ausgezahlt wird. Bei der normalen Hypothek zahlt der Immobilien-Besitzer Geld für einen Kredit, den er dafür bekommen hat, dass er die Immobilie kaufen konnte.

Bei der Umkehrhypothek wird von einem Kreditinstitut ein Kredit aufgenommen, der aber nicht als Einmalbetrag ausgezahlt wird, sondern als monatliche Ratenzahlung, die bis zum Lebensende gewährt wird. Zur Sicherheit für die Rückzahlung des Kredites wird die Hypothek auf das Grundstück eingetragen. Eigentum und Besitz an dem Grundstück bleiben dem Immobilien-Besitzer, er pflegt auch sein Gebäude wie bisher.  Der Immobilien-Eigentümer verliert also durch die Umkehrhypothek sein Eigentum nicht, er kann sogar durch die Umkehrhypothek weiterhin in seinen vier Wänden wohnen bleiben und bekommt nun durch die Ratenzahlungen aus der  Umkehrhypothek mehr Geld zum Lebensunterhalt hinzu. Deshalb kann man die Umkehrhypothek zu Recht auch als Immobilien-Rente bezeichnen.

Erst im Falle des Ablebens wird die Umkehrhypothek zurückgezahlt. Dies geschieht entweder durch die Erben oder, falls diese die Erbschaft nicht antreten, mittels Selbstverwertung durch die Bank, die die Umkehrhypothek gewährt hat. Möglicherweise ist dies auch der Grund für die bisher geringe Nutzung der Umkehrhypothek zu sehen. Denn für Bank ist nicht im vorneherein kalkulierbar, ob die Summe der ausgezahlten Kreditraten (einschließlich Verzinsung) nicht über den Wert der Immobilie ansteigt, die durch die Umkehrhypothek abgedeckt wird. Weiterhin sind die Kosten für die Bank schlecht kalkulierbar, denn sie weiß ja nicht, zu welchem Zinssatz sie in ein paar Jahren sich refinanzieren muss.

Daraus folgt dann, dass die Zinshöhe für den Kredit auf eine Umkehrhypothek recht hoch ausfallen muss. Deshalb sollte sich der Immobilien-Besitzer auch Alternativen zur Umkehrhypothek anschauen. Dies könnte auch der Verkauf der Immobilie sein, wobei er dann für sich und seinen Ehepartner ein lebenslanges Wohnrecht sichert. Hier muss man aber deutliche Abstriche vom Kaufpreis vornehmen. Anschließend kann er den erzielten Kaufpreis in eine normale Geldanlage stecken oder eine Rentenversicherung abschließen, die lebenslange Zahlungen garantiert. Pikanterweise muss man bei der Kalkulation der verschiedenen Alternativen zur Umkehrhypothek den eigenen Ablebenszeitpunkt schätzen.

Die Umkehrhypothek ist eine neue und kreative Idee zur Gewinnung zusätzlicher Einnahmen im Rentenalter. Ob man aber eine Umkehrhypothek abschließen soll, muss intensiv im Kreis der Familie beraten werden.

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