To get a mortgage from the bank, you need to have a base capital. However, if you do not have one, the State can be the guarantor of your loan. This way, you can still achieve your dream of your own apartment! To qualify for the State guarantee you need to fulfil certain conditions, as for instance:
The sum of €290 that you need to save annually, won’t stop you from financing your studies, travels with friends or other things!
However, during those 3 years you may face an unexpected expense and need to withdraw money from your savings account to pay for it. By doing so, you may jeopardize your base capital and thus, the possibility to obtain your State Guarantee!
The best solution in this case is to take out a BHW housing savings scheme with your bank. The money saved will be frozen until maturity and you will have nothing to worry about!
It's never too early to make a dream come true! So what are you waiting for? Start financing your future home right now! Spuerkeess advisors will answer all your questions and help you manage your future as a homeowner.
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