Immobilienfinanzierung - Helmut Müller Immobilien

designed by wavepoint

Datenschutz Impressum

Unsere App

Sie haben Fragen?

Alles rund um die Finanzierung

Immobilie finanzieren:
So klappt es mit dem Kredit

Vor dem Kauf einer Immobilie steht die Finanzierung. Denn hier entscheiden sich die wirklich wichtigen Fragen: Was kann ich mir leisten? Spielt die Bank mit? Mit welchen Konditionen kann ich rechnen? Macht es einen Unterschied, ob ich Eigentum selbst nutze oder vermieten möchte? Und auch wenn Sie bereits gekauft haben, bleibt das Thema ein Dauerbrenner. Denn Umschuldung, Bankwechsel und Anschlussfinanzierung können reichlich Fragen aufwerfen.

Immobilienfinanzierung

Warum der Kredit für Ihr Eigenheim individueller ist, als man denkt, und worauf es ankommt.

Ratgeber

28 Seiten

Ratgeber-Immoblienfinanzierung-1

Ratgeber-Immoblienfinanzierung-2

Ratgeber-Immoblienfinanzierung-3

Das müssen Sie wissen

Dieser Ratgeber klärt auf:

Der Kauf einer Immobilie ist mit vielen Fragen verbunden - und mit finanziellen Risiken. Egal ob Sie für sich erstmals eine Immobilie erwerben, ob Sie eine Ersatzbeschaffung machen oder ob Sie in ein zu vermietendes Objekt investieren: In diesem Ratgeber haben wir relevante Themen für Sie einfach und verständlich aufbereitet. Aktuell hoch relevant in der Niedrigzinsphase: Lohnt sich eine Umschuldung oder gar ein Bankenwechsel? Wir haben uns das genauer angesehen und beraten Sie auch gerne persönlich. Telefonische Beratung vereinbaren.

Marco Müller

Diplom-Kaufmann und Sachverständiger aus Leverkusen

Bei Fragen rund um Ihre Immobilie und Finanzierung stehen wir Ihnen gerne mit Rat und Tat zur Seite.

.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em;}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none;}:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,rgba(255,105,0,1) 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px rgba(255,255,255,1),6px 6px rgba(0,0,0,1);--wp--preset--shadow--crisp:6px 6px 0px rgba(0,0,0,1);}:where(.is-layout-flex){gap:.5em;}:where(.is-layout-grid){gap:.5em;}body .is-layout-flex{display:flex;}.is-layout-flex{flex-wrap:wrap;align-items:center;}.is-layout-flex > :is(*,div){margin:0;}body .is-layout-grid{display:grid;}.is-layout-grid > :is(*,div){margin:0;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}.has-black-color{color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color:var(--wp--preset--color--white) !important;}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color:var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color:var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:root :where(.wp-block-pullquote){font-size:1.5em;line-height:1.6;}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}@media screen and (max-height: 1024px){.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}@media screen and (max-height: 640px){.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important;}.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important;}body{font-family:Open Sans;font-size:14px;line-height:1.714em;color:#666;height:100%;position:relative;}.elementor-widget-heading .elementor-heading-title{padding:0;margin:0;}p{margin-top:.75em;margin-bottom:.75em;}.elementor-editor-active #wpFooter{display:none;}.dialog-message{font-size:14px;line-height:27px;}#breadcrumbs a,#breadcrumbs a:visited,#breadcrumbs .breadcrumb_last{color:#45277a;}#breadcrumbs a:active,#breadcrumbs a:hover{color:#71695a;}.CIlink a,.CIlink a:visited{color:#45277a;text-decoration:none;}.CIlink a:active,.CIlink a:hover{color:#666;}.CIinvert a,.CIinvert a:visited{color:#666;text-decoration:none;}.CIinvert a:active,.CIinvert a:hover{color:#45277a;}.CIMe{color:#45277a;}.CIbutton a,.CIbutton a:visited{background-color:#45277a;}.CIbutton a:active,.CIbutton a:hover{background-color:#666;}.elementor-button,.elementor-button:visited{background-color:#45277a;}.elementor-button:active,.elementor-button:hover{background-color:#666;}.CIlead{border-color:#45277a !important;}.elementor-toggle .elementor-toggle-title{color:#45277a;}.elementor-toggle .elementor-toggle-title:hover{color:#71695a;}.arrowMe:after{font-family:"wp2ele_arrows";font-style:normal;font-weight:normal;speak:none;display:inline-block;text-decoration:inherit;width:1em;text-align:center;font-variant:normal;text-transform:none;line-height:1em;content:"";-webkit-font-smoothing:antialiased;padding-left:5px;}a{color:#45277a;text-decoration:none;}a:active,a:hover{color:#71695a;}#wpFooter a{color:#999;}#wpFooter a:active,#wpFooter a:hover{color:#45277a !important;}.headertel{font-size:1.8em;line-height:1.2em;color:#45277a;font-weight:300;}.headertel i{font-size:.75em;line-height:1.2em;font-weight:600;margin-right:2px;transform:scaleX(-1);}.widePic{max-height:405px;overflow:hidden;}.widePic img{width:100% !important;height:auto !important;}@media (min-width: 1024px){.db-column-wrap > .elementor-container > .elementor-row{flex-wrap:wrap;}.db-column-wrap > .elementor-container > .elementor-row:after{content:"";flex:auto;}.db-column-wrap > .elementor-container > .elementor-row > .elementor-column{flex:1 1 33%;max-width:33%;}}@media (max-width: 1024px){.db-column-wrap > .elementor-container > .elementor-row > .elementor-column{flex:1 1 50%;}}@media (max-width: 768px){.db-column-wrap > .elementor-container > .elementor-row > .elementor-column{flex:1 1 50%;}}@media (max-width: 375px){.db-column-wrap > .elementor-container > .elementor-row > .elementor-column{flex:1 1 100%;}}body .elementor-widget-heading.elementor-widget-heading .elementor-heading-title{color:inherit;}strong{font-weight:700;}.elementor-message-success{color:#2da747;margin-top:20px;}#r2g_navimodul a{color:#666;}#r2g_navimodul a:hover{color:#45277a;}#r2g_navimodul > *[id^="menu-"] li.current_page_item > a{color:#45277a !important;}#r2g_navimodul > *[id^="menu-"] > li.page_item_has_children:after,#r2g_navimodul > *[id^="menu-"] > li.menu-item-has-children:after{font-family:"Font Awesome 5 Free";font-weight:600;font-size:1em;padding-top:4px;}ul.icon_check{list-style-type:none;margin-left:-22px;text-indent:-14px;}ul.icon_check li:before{content:"";font-family:"Font Awesome 5 Free";font-weight:600;margin-bottom:5px;margin-right:7px;color:#78aa00;font-size:inherit;}ul.icon_arrow.white li:before{color:#fff;}ul.icon_check li{margin-bottom:5px;}ul.icon_arrow{list-style-type:none;margin-top:10px;margin-left:20px;text-indent:-14px;}ul.icon_arrow li:before{font-family:"wp2ele_arrows";font-style:normal;font-weight:normal;speak:none;display:inline-block;text-decoration:inherit;width:1em;text-align:center;font-variant:normal;text-transform:none;line-height:1em;content:"";margin-bottom:5px;color:#45277a;font-size:inherit;}ul.icon_arrow li{margin-bottom:5px;padding-left:-15px;}ul .listenfix{margin-left:-23px;}ul .listenfix li{margin-bottom:5px;}.elementor-widget .elementor-icon-list-item,.elementor-widget .elementor-icon-list-item a,.elementor-widget .elementor-toc__list-item .elementor-toc__list-item-text-wrapper{align-items:flex-start;}.elementor-widget.elementor-widget-icon-list .elementor-icon-list-icon{padding-top:.35em;}.noP p{margin:0;}.alignright{float:right;margin-left:30px;margin-bottom:30px;margin-top:7px;}.alignleft{float:left;margin-right:30px;margin-bottom:30px;margin-top:7px;}@media (max-width: 480px){.alignright{width:100%;}.alignleft{width:100%;}}.galzoom .gallery-icon{overflow:hidden;}.galzoom .gallery-icon a img{-webkit-transform:scale(1);transform:scale(1);-webkit-transition:.3s ease-in-out;transition:.3s ease-in-out;}.galzoom .gallery-icon a img:hover{-webkit-transform:scale(1.2);transform:scale(1.2);}.wpContent h1{margin-top:0;margin-bottom:.2em;color:#666 !important;}.wpContent h2{margin-top:0;margin-bottom:.2em;color:#45277a !important;}.wpContent h1 + h2{margin-top:0;margin-bottom:20px;}.wpContent h2,.wpContent h3,.wpContent h4,.wpContent h5{margin-top:1.5em;}h1,.h1 strong{font-weight:700;}h1,.h1{font-size:2.5em;line-height:1.1em !important;color:#666;font-weight:700;}h2,.h2{font-weight:300;font-size:1.786em;line-height:1.2em !important;}h3,.h3{font-size:1.143em;line-height:1.2em !important;margin-bottom:.625em;text-transform:uppercase;font-weight:700;}h4,.h4{font-size:1.143em;line-height:1.5em !important;margin-bottom:.5em;font-weight:600;color:#45277a;}h5,.h5{font-size:1.11em;line-height:1.5em !important;margin-bottom:.5em;font-weight:600;}section .elementor-element .elementor-field-option{display:flex;flex-wrap:nowrap;align-items:flex-start;}section .elementor-element .elementor-field-option input[type="checkbox"]{width:auto;margin-right:15px;margin-top:5px;height:15px;}section .elementor-element .elementor-field-option input[type="checkbox"]+label p{margin:0;}.elementor-field{color:#666 !important;font-family:Open Sans;font-size:14px;}@media (max-width: 1024px){h1,.h1{font-size:1.8em;line-height:1.171em;margin-bottom:.343em;}body > .elementor > .elementor-section-wrap > .elementor-section-boxed,body > .elementor > .elementor-inner > .elementor-section-boxed,body > .elementor > .elementor-inner > .elementor-section-wrap > .elementor-section-boxed{padding-left:50px;padding-right:50px;}}@media (max-width: 767px){body > .elementor > .elementor-section-wrap > .elementor-section-boxed,body > .elementor > .elementor-inner > .elementor-section-boxed,body > .elementor > .elementor-inner > .elementor-section-wrap > .elementor-section-boxed{padding-left:20px;padding-right:20px;}section .elementor-element .elementor-field-option{display:inline;flex-wrap:inherit;}section .elementor-element .elementor-field-option input[type="checkbox"]{margin-right:5px;display:inline;}section .elementor-element .elementor-field-option input[type="checkbox"]+label p{display:inline;}.alignleft,.alignright{float:none;width:100%;margin:0;}}@media (min-width: 1025px) and (max-width: 1279px){body > .elementor > .elementor-inner > .elementor-section-wrap > .elementor-section-boxed{padding-left:50px;padding-right:50px;}}#r2g_navimodul > *[id^="menu-"] > li.open:after{content:"";}.swiper-container:not(.swiper-container-initialized)>.swiper-wrapper,.swiper:not(.swiper-initialized)>.swiper-wrapper{overflow:visible;}.sw-yframe.objektslider > .elementor-column-gap-default div[data-element_type="column"],.sw-yframe.objektslider > .elementor-column-gap-default{display:block !important;}