BHW Bausparen
Build your future with a BHW housing savings scheme contract.
Debit interest
Interest related to a real estate loan taken out for the construction, purchase or renovation of a property considered as an obtainment cost:
- Deductible from income tax
- Full deduction as an obtainment cost before you occupy the property
- Deduction of up to EUR 4.000* for the 1st year of occupancy of the property and the 5 following years
- Deduction of up to EUR 3.000* for the next 5 years
- Deduction of up to EUR 2.000* from the 11th year of residence
Residual debt insurance
Outstanding balance insurance covers redemption of your loan in the event of death or incapacity, and therefore protects your family.
- The deductible amount of the one-off premium varies depending on your age and the composition of your household (see table).
- Annual premiums are tax-deductible for up to EUR 672 per person in your household.
- A combination of a one-off payment and annual premium payments often proves attractive in terms of taxation.
|
|
no children
|
1 child
|
2 children
|
3 children
|
per additional child
|
|---|---|---|---|---|---|
|
Up to age 30
|
EUR 6.000
|
EUR 7.200
|
EUR 8.400
|
EUR 9.600
|
+ EUR 1.200
|
|
Age 31
|
EUR 6.480
|
EUR 7.776
|
EUR 9.072
|
EUR 10.368
|
+ EUR 1.296
|
|
Age 32
|
EUR 6.960
|
EUR 8.352
|
EUR 9.744
|
EUR 11.136
|
+ EUR 1.392
|
|
Age 33
|
EUR 7.440
|
EUR 8.928
|
EUR 10.416
|
EUR 11.904
|
+ EUR 1.488
|
|
Age 34
|
EUR 7.920
|
EUR 9.504
|
EUR 11.088
|
EUR 12.672
|
+ EUR 1.584
|
|
Age 35
|
EUR 8.400
|
EUR 10.080
|
EUR 11.760
|
EUR 13.440
|
+ EUR 1.680
|
|
Age 36
|
EUR 8.880
|
EUR 10.656
|
EUR 12.432
|
EUR 14.208
|
+ EUR 1.776
|
|
Age 37
|
EUR 9.360
|
EUR 11.232
|
EUR 13.104
|
EUR 14.976
|
+ EUR 1.872
|
|
Age 38
|
EUR 9.840
|
EUR 11.808
|
EUR 13.776
|
EUR 15.744
|
+ EUR 1.968
|
|
Age 39
|
EUR 10.320
|
EUR 12.384
|
EUR 14.448
|
EUR 16.512
|
+ EUR 2.064
|
|
Age 40
|
EUR 10.800
|
EUR 12.960
|
EUR 15.120
|
EUR 17.280
|
+ EUR 2.160
|
|
Age 41
|
EUR 11.280
|
EUR 13.536
|
EUR 15.792
|
EUR 18.048
|
+ EUR 2.256
|
|
Age 42
|
EUR 11.760
|
EUR 14.112
|
EUR 16.464
|
EUR 18.816
|
+ EUR 2.352
|
|
Age 43
|
EUR 12.240
|
EUR 14.688
|
EUR 17.136
|
EUR 19.584
|
+ EUR 2.448
|
|
Age 44
|
EUR 12.720
|
EUR 15.264
|
EUR 17.808
|
EUR 20.352
|
+ EUR 2.544
|
|
Age 45
|
EUR 13.200
|
EUR 15.840
|
EUR 18.480
|
EUR 21.120
|
+ EUR 2.640
|
|
Age 46
|
EUR 13.680
|
EUR 16.416
|
EUR 19.152
|
EUR 21.888
|
+ EUR 2.736
|
|
Age 47
|
EUR 14.160
|
EUR 16.992
|
EUR 19.824
|
EUR 22.656
|
+ EUR 2.832
|
|
Age 48
|
EUR 14.640
|
EUR 17.568
|
EUR 20.496
|
EUR 23.424
|
+ EUR 2.928
|
|
Age 49
|
EUR 15.120
|
EUR 18.144
|
EUR 21.168
|
EUR 24.192
|
+ EUR 3.024
|
|
Over 50
|
EUR 15.600
|
EUR 18.720
|
EUR 21.840
|
EUR 24.960
|
+ EUR 3.120
|