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Tilgungsaussetzer beim Darlehen

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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*

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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*

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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*

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1. Freikaufen der abgetretenen
Lebensversicherung aus der Bank

2. Zwischentilgung des Darlehens mit dem
angesparten Rückkaufswert (somit kleinere
Darlehens-Restschuld)

3. Steuervorteil Paragraph 20 ESTG (Veräusserungsverluste)
zwischen einbezahltem Geld und
Rückkaufswert

4. Anspruchsnahme zwischen einbezahltem
Geld und Rückkaufswert durch unsere
Anwaltskanzlei

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*ALLE ANGABEN OHNE GEWÄHR

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UNVERBINDLICHES PRAXIS-BEISPIEL EINER 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=“1532|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-4.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=“11″ 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 €

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

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*ALLE ANGABEN OHNE GEWÄHR, RÜCKABWICKLUNGSPOTENTIAL KANN ABWEICHEN, IN EINIGEN FÄLLEN IST EINE
ZINSVORFÄLLIGKEITSENTSCHÄDIGUNG FÜR DEN VEREINBARTEN ZINSZEITRAUM FÄLLIG.

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