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Der Hypothekarzins Essay

2284 words - 9 pages

Maturarbeit: Der Hypothekarzins Übersicht: 1. Grundlagen des Hypothekarzinses 1.1. Einleitung 1.2. Diese Faktoren beeinflussen die Höhe des Hypothekarzinssatzes 1.2.1. Hypothekformen Die variable Hypothek Festhypothek Spezialmodelle Die Stufenhypothek Die Libor- Hypothek Die Kombi- oder Mix-Hypothek 1.2.2. Die Belehnungshöhe 1.2.3. Die Sicherheiten 1.2.4. Individuelle Faktoren 2. Die Verknüpfung des Hypothekarzinssatzes mit dem Bruttosozialprodukt 3. Auswirkungen des Hypothekarzinssatzes auf die schweizerische Bauwirtschaft.3.1. Senkung der Zinssätze auf Neuhypotheken 3.2. Senkung der Zinssätze auf Althypotheken 4. Die Kopplung des Hypothekarzinssatzes an den Mietzins 4.1. Aktuelle Regelung 4.2. Mietrecht-Revision 5. Fazit 1. Grundlagen des Hypothekarzinses 1.1. Einleitung Wer ein Haus oder eine Wohnung kaufen will, muss sich früher oder später mit dem Hypothekarwesen befassen.Liegenschaften sind meist teuer und der Käufer verfügt oft nicht über genug Geld (Eigenmittel), um diese zu erwerben, daher muss er sich nach anderen Geldquellen umsehen. Die sicherste Lösung für dieses Geldproblem ist, wenn man die Bank um einen Kredit ersucht. Diese verlangt aber für einen Kredit eine finanzielle Sicherheit, um sich zu schützen.Und schon sind wir beim Hypothekarwesen, genauer gesagt beim Hypothekarkredit. Dieser regelt die Finanzierung von Liegenschaften. Beim Hypothekarkredit handelt es sich um ein langfristiges Darlehen von Banken an Kreditnehmer, die eine Liegenschaft besitzen oder erwerben möchten. Kommt ein Vertrag zustande, muss der Kreditnehmer der Bank einen Hypothekarzins entrichten. Dieser Hypothekarzins stellt sich aus dem Hypothekarzinssatz, den die Bank festlegt, multipliziert mit der Summe des aufgenommen Kredites zusammen.Dieser Hypothekarzinssatz ist mit nun der schweizerischen Wirtschaft verknüpft. Im Verlauf meiner Arbeit wird sich zeigen, dass eine Senkung des Hypothekarzinssatzes sich positiv auf die schweizerische Bauwirtschaft auswirkt.1.2. Diese Faktoren beeinflussen die Höhe des Hypothekarzinssatzes.1.2.1. Hypothekarformen Wer heutzutage eine Liegenschaft finanzieren will, hat die Wahl zwischen variablen Hypotheken, Festhypotheken und Spezialmodellen. Bei der variablen Hypothek passt sich der Zinssatz laufend dem Niveau des Kapitalmarktes an, während bei der Festhypothek der Zinssatz auf drei bis fünf Jahre fixiert ist.Die Spezialmodelle unterscheiden sich vor allem in der Ausgestaltung der...

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