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Building capital

For your future dream home

LBS-Bausparen (home savings plans) allows you tackle whatever the future may hold for you – whether that's buying, building or modernising your home. Setting up a home savings plan allows you build capital and to enjoy attractive fixed interest rates over the entire period of the plan. Owning your own home is also a safe investment for retirement that will pay off for years to come.

If you are receiving capital-forming payments from your employer, you can also pay them directly into your home savings plan and start creating a solid foundation for your future home. Depending on your circumstances, you might also qualify for other state subsidies or grants.  

Your partner

LBS

Capital-forming payments

Capital-forming payments from employers can be directly paid into your home savings plan.

Attractive loans

Whatever your needs, you can also set up a home loan with attractive fixed interest rates.

Government subsidies and grants

Under certain conditions, home savings plan holders may qualify for state subsidies both during the saving as well as the loan phase.

For children and grandchildren

A gift for the future: Children grow and as they do, their savings will as well.

Good advice

The earlier you start to save, the quicker you will be able to make your home dreams a reality. Speak to one of our advisers.

Owning your own home

Security for the rest of your life

Owning your own home or apartment is a very secure investment for your future and for your retirement. Our home savings plans are always tailored to meet your particular needs and circumstances.

LBS-Bausparen (home savings plans) is an attractive way to finance your dream home with guaranteed fixed interest rates. Home savings plans also mean that you automatically qualify for fixed-interest rates for your home loan.  

Your partner

LBS

Attractive loans

As soon as you have built up your savings under your home savings plan, you will be able to apply for a home loan.

The world is your oyster

Our home loans can be paid off in lump sum payments any time and free of charge.  

Government subsidies and grants

Under certain conditions, home savings plan holders may qualify for state subsidies both during the saving as well as the loan phase.

This is how home saving plans work:

  • When setting up a home savings plan, you will be asked to specify a home savings amount.
  • Once this amount is ready to be drawn on, you can draw on the home savings plan.
  • The home savings plan comprises your home savings plus interest and the low-interest home loan.
  • Our repayment conditions are designed to allow you to plan far into the future, because the loan interest rate will be fixed right from the start.
  • This means that you are simply using a combination of a home savings loan and a mortgage.

Good advice

The earlier you start to save, the quicker you will be able to make your home dreams a reality. Speak to one of our advisers.

Modernising

Long-term investments and multiple benefits

Good to know: LBS-Bausparen (home savings plans) can also be used to make your home more energy efficient or to pay for something like a new bathroom. This will allow you to reduce your energy costs, will make your home more attractive and increase the value of your property.

Wise moves – thinking ahead: Adapting your property as your needs change over time means that you will be able to enjoy it for many years to come.

However, even if you don't have any plans to modernise your home at present, it always makes sense to save for doing so later on: LBS-Bausparen allows you to gradually build your savings in plenty of time to allow them to grow for when you need them.

Your partner

LBS

Attractive loans

Whatever your needs, you can also set up a home loan with attractive fixed interest rates.

The world is your oyster

Our loans can always be paid off in lump sums free of charge.

Government subsidies and grants

Under certain conditions, plan holders may qualify for state subsidies during the saving phase.

This is how home saving plans work:

  • When setting up a home savings plan, you will be asked to specify a home savings amount.
  • Once his amount is ready to be drawn on, you can draw on the home savings plan.
  • The home savings plan comprises your home savings plus interest and the low-interest home loan.
  • Our repayment conditions are designed to allow you to plan far into the future, because the loan interest rate will be fixed right from the start.

Good advice

No matter whether you are already planning to  modernise your home or just want to create some savings for doing so in  future – LBS-Bausparen is the perfect answer. Speak to one of our  advisers.

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