Für Immobilienkauf & Co.: Finanzierungslücke schließen: Angebote gründlich vergleichen
Ein Überbrückungskredit kann helfen, finanzielle Lücken zu schließen. Ein Verbraucherschützer erklärt, worauf man achten sollte – und welche Extras eine Kostenfalle sein können.
Repeatedly, consumers require a bridge loan - a short-term financing that bridges the gap between the need for funds and the expected capital flow. This often occurs when purchasing property, but the necessary funds are unavailable due to an unfinished building savings plan, or the capital life insurance payout not being due yet.
Alternatively, a previous property may still need to be sold before funds can be used to buy the new one. Comparing offers is crucial when considering a bridge loan: "Always compare offers from various banks and check the overall costs of the bridge loan," advises Thomas Mai from the Consumer Center Bremen. Specifically, look at the effective interest rate, as gratuities and early redemption may incur additional costs.
Mai warns against bridge loans paired with a rest loan insurance, as they often come with a high single premium that can make the loan very expensive. His advice: opt out of the rest loan insurance when taking out a bridge loan.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
