Flow of funds

The diagram illustrates the flow of funds in the Bauspar system. The allocation fund represents the system’s lynchpin. It is fed by the customer’s savings and repayments. According to special regulations savings are disbursed and loans are allotted at a definite time and in a definite order. Customers who decide not to call on the permitted loan may get back their saved amounts after having saved the required amount.

In order to be able to finance a home on its own, each family has to save for 10 years.

News and Research

The Joint Congress of UNECE and EFBS on "Housing Finance beyond Subprime" took place in Munich from 17 to 19 May 2010.

Press release: Study: "European regulation of mortgage credit is not the right approach to facilitating cross-border offers" (PDF)

Press release: "Change of personnel" (PDF)

Press release: "No force on the SEPA implementation" (PDF)

Press release: "Regulation of mortgage credit at EU level not justified by financial crisis" (PDF)

Press release: "Barrage fire from Brussels" (PDF)

Press release: "Taxpayer's money for subprime system?" (PDF)

Press release: "Personalia" (PDF)

Press release: "The renaissance of the 'bauspar' system" (PDF)

Press release: "Welcoming Mr. Barack Obama" (PDF)

Welcoming note (PDF)

"Bausparen - a safe way to home ownership" (PDF)

H. J. Dübel: The U.S. mortgage market’s crisis -abstract (PDF)

UNECE-study: Housing Finance Systems for Countries in Transition - abstract (PDF) <//strong><//strong><//strong><//strong><//strong><//strong><//strong><//strong>

Links

European Federation of Building Societies

International Union for Housing Finance

XV European Congress of the EFBS

Downloads

The Employee Savings Allowance	9K
House Building Premium	8K
Bausparkassen Act	99K