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Tilgungsaussetzer beim Darlehen
Die Finanzierung einer Immobilie über ein Lebensversicherungsdarlehen ist im Grunde nichts anderes als eine spezielle Form des Bankdarlehens. In der monatlichen Rate ist hier allerdings kein Tilgungsanteil eingerechnet – sondern nur der vereinbarte Darlehenszins. Die Tilgung erfolgt nur durch die zusätzliche Einzahlung in eine kapitalbildende Lebensversicherung.
Durch die seit mehreren Jahren anhaltenden Niedrigzinsen haben viele Lebensversicher massive Renditeprobleme bekommen. Sie sollten daher keinesfalls davon ausgehen, dass Sie mit der Lebensversicherung eine höhere Rendite erzielen, als Sie an Zinsen für Ihr Darlehen bezahlen. Damit ist es für Eigennutzer sinnvoller, das Bankdarlehen gleich direkt und ohne den Umweg über die Versicherung zu tilgen.
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IHRE BAUFINANZIERUNG*
[/fusion_text][/fusion_builder_column][fusion_builder_column type=“1_3″ type=“1_3″ layout=“1_3″ spacing=““ center_content=“no“ link=““ target=“_self“ min_height=““ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ hover_type=“none“ border_color=““ border_style=“solid“ border_position=“all“ border_radius=““ box_shadow=“no“ dimension_box_shadow=““ box_shadow_blur=“0″ box_shadow_spread=“0″ box_shadow_color=““ box_shadow_style=““ padding_top=““ padding_right=““ padding_bottom=““ padding_left=““ margin_top=““ margin_bottom=““ background_type=“single“ gradient_start_color=““ gradient_end_color=““ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_color=““ background_image=““ background_image_id=““ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“false“ border_sizes_top=“0px“ border_sizes_bottom=“0px“ border_sizes_left=“0px“ border_sizes_right=“0px“ first=“true“ spacing_right=““][fusion_imageframe image_id=“1537|full“ max_width=““ style_type=““ blur=““ stylecolor=““ hover_type=“none“ bordersize=““ bordercolor=““ borderradius=““ align=“none“ lightbox=“no“ gallery_id=““ lightbox_image=““ lightbox_image_id=““ alt=““ link=““ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″]https://pkk-consulting.com/wp-content/uploads/2020/06/Privat-Darlehen-1.png[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=“2_3″ type=“2_3″ layout=“2_3″ spacing=““ center_content=“no“ link=““ target=“_self“ min_height=““ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ hover_type=“none“ border_color=““ border_style=“solid“ border_position=“all“ border_radius=““ box_shadow=“no“ dimension_box_shadow=““ box_shadow_blur=“0″ box_shadow_spread=“0″ box_shadow_color=““ box_shadow_style=““ padding_top=““ padding_right=““ padding_bottom=““ padding_left=““ margin_top=““ margin_bottom=““ background_type=“single“ gradient_start_color=““ gradient_end_color=““ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_color=““ background_image=““ background_image_id=““ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“true“ border_sizes_top=“0px“ border_sizes_bottom=“0px“ border_sizes_left=“0px“ border_sizes_right=“0px“ first=“false“][fusion_table fusion_table_type=“1″ fusion_table_rows=“9″ fusion_table_columns=“2″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““]
Darlehenssumme |
300.000 € |
---|---|
Beginn des Darlehens |
2005 |
Laufzeit |
30 Jahre |
Zinssatz |
4,5 % |
Monatliche Zinsen |
1.125 € |
Tilgung |
Lebensversicherung |
Monatlicher Beitrag |
833 € |
Gesamtbelastung |
1.958 € |
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*ALLE ANGABEN OHNE GEWÄHR
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DAS MÖGLICHE PROBLEM*
[/fusion_text][/fusion_builder_column][fusion_builder_column type=“1_3″ type=“1_3″ layout=“1_3″ spacing=““ center_content=“no“ link=““ target=“_self“ min_height=““ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ hover_type=“none“ border_color=““ border_style=“solid“ border_position=“all“ border_radius=““ box_shadow=“no“ dimension_box_shadow=““ box_shadow_blur=“0″ box_shadow_spread=“0″ box_shadow_color=““ box_shadow_style=““ padding_top=““ padding_right=““ padding_bottom=““ padding_left=““ margin_top=““ margin_bottom=““ background_type=“single“ gradient_start_color=““ gradient_end_color=““ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_color=““ background_image=““ background_image_id=““ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“false“ border_sizes_top=“0px“ border_sizes_bottom=“0px“ border_sizes_left=“0px“ border_sizes_right=“0px“ first=“true“ spacing_right=““][fusion_imageframe image_id=“1538|full“ max_width=““ style_type=““ blur=““ stylecolor=““ hover_type=“none“ bordersize=““ bordercolor=““ borderradius=““ align=“none“ lightbox=“no“ gallery_id=““ lightbox_image=““ lightbox_image_id=““ alt=““ link=““ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″]https://pkk-consulting.com/wp-content/uploads/2020/06/Privat-Darlehen-2.png[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=“2_3″ type=“2_3″ layout=“2_3″ spacing=““ center_content=“no“ link=““ target=“_self“ min_height=““ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ hover_type=“none“ border_color=““ border_style=“solid“ border_position=“all“ border_radius=““ box_shadow=“no“ dimension_box_shadow=““ box_shadow_blur=“0″ box_shadow_spread=“0″ box_shadow_color=““ box_shadow_style=““ padding_top=““ padding_right=““ padding_bottom=““ padding_left=““ margin_top=““ margin_bottom=““ background_type=“single“ gradient_start_color=““ gradient_end_color=““ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_color=““ background_image=““ background_image_id=““ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“true“ border_sizes_top=“0px“ border_sizes_bottom=“0px“ border_sizes_left=“0px“ border_sizes_right=“0px“ first=“false“][fusion_table fusion_table_type=“1″ fusion_table_rows=“9″ fusion_table_columns=“2″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““]
Darlehenssumme |
300.000 € |
---|---|
Einbezahlte Beiträge nach 15 Jahren |
150.000 € |
Einbezahlte Beiträge nach 30 Jahren |
300.000 € |
|
|
Rückkaufswert LV nach 15 Jahren |
92.153 € |
Rückkaufswert LV nach 30 Jahren |
184.306 € |
Unterdeckung nach 15 Jahren |
-57.847 € |
Unterdeckung nach 30 Jahren |
-115.694 € |
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*ALLE ANGABEN OHNE GEWÄHR
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DIE MÖGLICHE LÖSUNG*
[/fusion_text][/fusion_builder_column][fusion_builder_column type=“1_3″ type=“1_3″ layout=“1_3″ spacing=““ center_content=“no“ link=““ target=“_self“ min_height=““ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ hover_type=“none“ border_color=““ border_style=“solid“ border_position=“all“ border_radius=““ box_shadow=“no“ dimension_box_shadow=““ box_shadow_blur=“0″ box_shadow_spread=“0″ box_shadow_color=““ box_shadow_style=““ padding_top=““ padding_right=““ padding_bottom=““ padding_left=““ margin_top=““ margin_bottom=““ background_type=“single“ gradient_start_color=““ gradient_end_color=““ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_color=““ background_image=““ background_image_id=““ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“false“ border_sizes_top=“0px“ border_sizes_bottom=“0px“ border_sizes_left=“0px“ border_sizes_right=“0px“ first=“true“ spacing_right=““][fusion_imageframe image_id=“1531|full“ max_width=““ style_type=““ blur=““ stylecolor=““ hover_type=“none“ bordersize=““ bordercolor=““ borderradius=““ align=“none“ lightbox=“no“ gallery_id=““ lightbox_image=““ lightbox_image_id=““ alt=““ link=““ linktarget=“_self“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″]https://pkk-consulting.com/wp-content/uploads/2020/06/Privat-Darlehen-3.png[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=“2_3″ type=“2_3″ layout=“2_3″ spacing=““ center_content=“no“ link=““ target=“_self“ min_height=““ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ hover_type=“none“ border_color=““ border_style=“solid“ border_position=“all“ border_radius=““ box_shadow=“no“ dimension_box_shadow=““ box_shadow_blur=“0″ box_shadow_spread=“0″ box_shadow_color=““ box_shadow_style=““ padding_top=““ padding_right=““ padding_bottom=““ padding_left=““ margin_top=““ margin_bottom=““ background_type=“single“ gradient_start_color=““ gradient_end_color=““ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_color=““ background_image=““ background_image_id=““ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“true“ border_sizes_top=“0px“ border_sizes_bottom=“0px“ border_sizes_left=“0px“ border_sizes_right=“0px“ first=“false“][fusion_table fusion_table_type=“1″ fusion_table_rows=“5″ fusion_table_columns=“1″ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““]
1. Freikaufen der abgetretenen |
---|
2. Zwischentilgung des Darlehens mit dem |
3. Steuervorteil Paragraph 20 ESTG (Veräusserungsverluste) |
4. Anspruchsnahme zwischen einbezahltem |
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*ALLE ANGABEN OHNE GEWÄHR
[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=“Unternehmen Text Desktop“ hundred_percent=“no“ hundred_percent_height=“no“ hundred_percent_height_scroll=“no“ hundred_percent_height_center_content=“yes“ equal_height_columns=“no“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ status=“published“ border_style=“solid“ padding_top=“110px“ padding_bottom=“0px“ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_position=“left top“ background_repeat=“no-repeat“ fade=“no“ background_parallax=“none“ enable_mobile=“no“ parallax_speed=“0.3″ background_blend_mode=“none“ video_aspect_ratio=“16:9″ video_loop=“yes“ video_mute=“yes“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ admin_toggled=“yes“ border_sizes_top=“0px“ border_sizes_bottom=“0px“ border_sizes_left=“0px“ border_sizes_right=“0px“ type=“legacy“][fusion_builder_row][fusion_builder_column type=“1_1″ type=“1_1″ layout=“1_1″ background_position=“left top“ background_color=““ border_color=““ border_style=“solid“ spacing=“yes“ background_image=““ background_repeat=“no-repeat“ padding_top=““ padding_right=““ padding_bottom=““ padding_left=““ margin_top=“0px“ margin_bottom=“0px“ class=““ id=““ animation_type=““ animation_speed=“0.3″ animation_direction=“left“ hide_on_mobile=“no“ center_content=“no“ min_height=“none“ last=“true“ hover_type=“none“ link=““ border_position=“all“ align_self=“flex-start“ first=“true“][fusion_separator style_type=“single solid“ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ sep_color=“#1e4655″ top_margin=“0″ bottom_margin=“0″ border_size=“5px“ icon=““ icon_circle=““ icon_circle_color=““ width=““ alignment=“center“ /][/fusion_builder_column][fusion_builder_column type=“1_1″ type=“1_1″ layout=“1_1″ spacing=““ center_content=“no“ link=““ target=“_self“ min_height=““ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ hover_type=“none“ border_color=““ border_style=“solid“ border_position=“all“ border_radius=““ box_shadow=“no“ dimension_box_shadow=““ box_shadow_blur=“0″ box_shadow_spread=“0″ box_shadow_color=““ box_shadow_style=““ padding_top=““ padding_right=““ padding_bottom=““ padding_left=““ margin_top=““ margin_bottom=““ background_type=“single“ gradient_start_color=““ gradient_end_color=““ gradient_start_position=“0″ gradient_end_position=“100″ gradient_type=“linear“ radial_direction=“center center“ linear_angle=“180″ background_color=““ background_image=““ background_image_id=““ background_position=“left top“ background_repeat=“no-repeat“ background_blend_mode=“none“ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““ filter_type=“regular“ filter_hue=“0″ filter_saturation=“100″ filter_brightness=“100″ filter_contrast=“100″ filter_invert=“0″ filter_sepia=“0″ filter_opacity=“100″ filter_blur=“0″ filter_hue_hover=“0″ filter_saturation_hover=“100″ filter_brightness_hover=“100″ filter_contrast_hover=“100″ filter_invert_hover=“0″ filter_sepia_hover=“0″ filter_opacity_hover=“100″ filter_blur_hover=“0″ last=“true“ border_sizes_top=“0px“ border_sizes_bottom=“0px“ border_sizes_left=“0px“ border_sizes_right=“0px“ first=“true“][fusion_text columns=““ column_min_width=““ column_spacing=““ rule_style=“default“ rule_size=““ rule_color=““ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““]
UNVERBINDLICHES PRAXIS-BEISPIEL EINER LÖSUNG*
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Darlehenssumme |
300.000 € |
---|---|
Tilgung 1 – Rückkaufswert LV |
92.153 € |
Tilgung 2 – aus Einzahlungsdifferenz LV |
*ca. 57.847 € |
Restschuld in 2020 |
*ca. 150.000 € |
Umstellung auf Annuitätsdarlehen |
|
Zinssatz |
4,5 % |
Laufzeit in Jahren |
15 Jahre |
Tilgung und Zins (anstatt 1.958 €) |
1.147 € |
Lebensversicherungsbeitrag |
entfällt |
Monatliche Ersparnis |
-811 € |
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In dieser Berechnung sind nicht beinhaltet:
✓ Die ersparten Gelder zwischen jetzigem monatlichen Beitrag und ursprünglichem Beitrag mal 10 Jahre
✓ Die Differenz zwischen kapitalisiertem Rückkaufswert und einbezahlten Beitrag der Lebensversicherung
✓ Nicht einberechneter Steuervorteil §20 ESTG (Veräusserungsverluste) zwischen einbezahltem Geld und Rückkaufswert
[/fusion_text][fusion_text columns=““ column_min_width=““ column_spacing=““ rule_style=“default“ rule_size=““ rule_color=““ hide_on_mobile=“small-visibility,medium-visibility,large-visibility“ class=““ id=““ animation_type=““ animation_direction=“left“ animation_speed=“0.3″ animation_offset=““]
*ALLE ANGABEN OHNE GEWÄHR, RÜCKABWICKLUNGSPOTENTIAL KANN ABWEICHEN, IN EINIGEN FÄLLEN IST EINE
ZINSVORFÄLLIGKEITSENTSCHÄDIGUNG FÜR DEN VEREINBARTEN ZINSZEITRAUM FÄLLIG.
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