Finanzierungsvarianten von eigengenutzten Wohnimmobilien in der Nierdrigzinsphase: Aus Sicht der privaten Nutzer mit Optimierungsmöglichkeiten der Ges
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Bachelorarbeit aus dem Jahr 2019 im Fachbereich BWL - Investition und Finanzierung, Note: 1,7, Provadis School of International Management and Technology AG, Sprache: Deutsch, Abstract: Eine passende Immobilie zu finden geht meist schnell. Die Finanzierung hierzu ist mit Abstand die grö te finanzielle Hürde für den Darlehnsnehmer. Denn im Durchschnitt finanziert der Durchschnittsbürger einmal und das ist sein Eigenheim. Viele Erwerbsinteressenten haben schon mit dem Gedanken Wohneigentum zu erwerben gespielt. Bei der eher konservativen deutschen Bevölkerung ist die Angst vor Abhängigkeit und finanziellen Risiken sehr gro . Der europäische Vergleich bestätigt dies: "Unter 27 europäischen Ländern belegt Deutschland mit lediglich 52,6 Prozent Wohneigentum den vorletzten Platz. Angeführt wird die Aufstellung von Rumänien mit beachtlichen 95,6 Prozent." Damit leben knapp 50 Prozent derzeit zur Miete. Erfahrungsgemä ist die Finanzierung in den ersten 15 Jahren teurer als die Mietswohnung. Damit das Geld aber in die "eigene Tasche" flie t, müssen Zinsen an die Bank gezahlt werden. Die klassische Alternative zum Finanzieren ist das Mieten. In den letzten 30 Jahren haben sich die Mieten durchschnittlich um ca. 3 Prozent jährlich gesteigert. Demnach dürfte eine Wohnung, die derzeit 800 Euro Kaltmiete kostet, nach 15 Jahren 1.210 Euro monatlich kosten. Damit erhält der Vermieter in 30 Jahren mehr als 450.000 Euro, also praktisch den Gesamtwert einer Wohnung. Durch die Mietsteigerung haben besonders viele Rentner das Problem von bezahlbarem Wohnraum. Denn die Rentenanpassung kann meist nicht mit den erwartenden Mietsteigerungen Schritt halten. Deshalb ist es essentiell Eigentum zu erwerben, damit bei Renteneintritt keine Mietkosten mehr entstehen. Daraus lässt sich schlie en, dass die eigene Immobilie als zusätzliche Altersvorsorge sehr geeignet ist. Das nachfolgende "3 Säulen Modell der Altersvorsorge" gliedert Immobilien in die dritte Schicht ein. Die einzelnen Schichten
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