Deutsche Information

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.


EFBS press release: Handover of the office of Managing Director from Zehnder to König
EFBS press release: Personnel change within the Presidium of the EFBS

EFBS press release: EFBS reaffirms criticism of Capital Markets Union

OEE Newsletter of March 2015: "Savings in times of lowest interest rates – savings culture at stake? Some thoughts on the present and future of savings"

EFBS press release: Plans for new Green Paper jeopardize sustainable investments

EFBS press release: Zehnder re-elected as Managing Director

EFBS press release: IUHF 100th anniversary

EFBS press release: Consideration of low risk models under the Deposit Guarantee Schemes’ Directive

 EFBS press release: Board of the EFBS re-elected

IUHF press release: Zehnder leads the world federation IUHF

EFBS press release: 50th anniversary of the EFBS

EFBS press release: EFBS welcomes the measures of safeguard proposed in the report of the Liikanen-Group

EFBS press release: European Bausparkassen welcome the result of the vote on the Mortgage Credit Directive

EFBS press release: Mortgage Credit Rules are Counterproductive

EFBS press release: European Commission‘s plans will adversely affect mortgage finance mechanisms 




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