| Costs | Arrangement fee (as % of the contract sum) | -
•
No arrangement fee = full points
-
•
≤ 0.5% = 12 points
-
•
≤ 1.0% = 8 points
-
•
≤ 1.6% = 4 points
-
•
> 1.6% = 0 points
| 15 |
| Annual fee / account fee | -
•
No ongoing fees = full points
-
•
≤ €12 per year = 4 points
-
•
≤ €24 per year = 2 points
-
•
> €24 per year = 0 points
| 6 |
| Loan fee / premium on allocation | -
•
No fee on the home savings loan = full points
-
•
≤ 1% of the loan amount = 2 points
-
•
> 1% = 0 points
| 4 |
| Loan terms | APR of the home savings loan | -
•
< 2.0% = full points
-
•
< 2.5% = 15 points
-
•
< 3.0% = 12 points
-
•
< 3.5% = 8 points
-
•
< 4.5% = 4 points
-
•
≥ 4.5% = 0 points
| 18 |
| Interest rate security | -
•
Loan rate guaranteed from signing = full points
-
•
Rate fixed for part of the term only = 2 points
-
•
No guaranteed rate = 0 points
| 5 |
| Repayment / loan term | -
•
Low repayment, long term selectable = full points
-
•
Standard market repayment = 3 points
-
•
High repayment, short term = 0 points
| 5 |
| Savings phase | Interest during the savings phase | -
•
≥ 1.0% p.a. = full points
-
•
≥ 0.5% = 7 points
-
•
≥ 0.25% = 4 points
-
•
≥ 0.1% = 2 points
-
•
< 0.1% = 0 points
| 10 |
| Minimum savings balance for allocation | -
•
≤ 40% of the contract sum = full points
-
•
≤ 50% = 2 points
-
•
> 50% = 0 points
| 4 |
| Regular savings contribution | -
•
Freely selectable or ≤ 3‰ of the contract sum = full points
-
•
≤ 5 ‰ = 2 points
-
•
> 5‰ = 0 points
| 3 |
| Allocation & flexibility | Transparency of allocation (rating figure, waiting time) | -
•
Rating figure and allocation time publicly documented = full points
-
•
Only partly documented = 2 points
-
•
No public information = 0 points
| 5 |
| Free special repayments on the home savings loan | -
•
Unlimited and free at any time = full points
-
•
Limited or only on fixed dates = 3 points
-
•
Not possible or charged = 0 points
| 6 |
| Adjusting the contract sum (increase, reduction, split) | -
•
All three variants possible = full points
-
•
Partly possible = 2 points
-
•
Not possible = 0 points
| 4 |
| Plan change possible | -
•
Switching to other plan variants possible = full points
-
•
Restricted only = 1 point
-
•
Not possible = 0 points
| 3 |
| State subsidies | Housing construction bonus | -
•
Plan eligible for state bonus = full points
-
•
Not eligible for state bonus = 0 points
| 3 |
| Employer savings contributions / employee savings allowance | -
•
Eligible for employer savings and state allowance = full points
-
•
Employer savings only = 1 point
-
•
Not possible = 0 points
| 2 |
| Wohn-Riester (home ownership pension) | -
•
Riester-certified plan available = full points
-
•
Not available = 0 points
| 2 |
| Security & service | Deposit protection & supervision | -
•
BaFin supervision and statutory deposit protection = full points
-
•
Only one of the two safeguards verifiable = 1 point
| 2 |
| Online management / customer portal | -
•
Full online management incl. app = full points
-
•
Web portal only = 1 point
-
•
No online management = 0 points
| 2 |
| Phone advice | -
•
Reachable hotline = full points
-
•
Contact form only = 0 points
| 1 |
