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.
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