Bausparen in Germany

In Germany, bausparen plays an important role in housing finance. About 60 percent of all property purchasers use bauspar funds. Many young people start saving early with a bausparkasse.

Key figures of Bausparen in Germany 2022

Bauspar contractsPrivate BausparkassenAll German Bausparkassen
Number of contracts (portfolio)14.6 million22.7 million
Bauspar sum (portfolio)616.2 billion EUR929.6 billion EUR
Number of new contracts0.9 million1.4 million
Bauspar sum of new contracts59.4 billion EUR92.3 billion EUR
Disbursements for housing 
30.3 billion EUR40.5 billion EUR
New savings17.8 billion EUR27.5 billion EUR