BHW Bausparkasse Aktiengesellschaft products, services and reviews

About BHW Bausparkasse Aktiengesellschaft

BHW Bausparkasse Aktiengesellschaft is a German building society focused on home-savings contracts and residential real estate financing, operating as part of Deutsche Bank Group and historically distributed through Postbank networks as well as intermediaries. Its core offering is the Bauspar contract, which combines a savings phase with a later option to draw a fixed-rate housing loan once allocation criteria—such as minimum savings, term, and valuation metrics—are met; tariffs differ by crediting rates, loan rates, savings targets, and allocation rules, and some variants are eligible for state incentives (for example, Wohn-Riester) subject to statutory conditions. Typical costs include an initial contract fee and ongoing account or service charges in the savings phase; for the loan phase, borrowers should expect ancillary expenses such as notary and land charge registration fees and, where applicable, valuation or disbursement-related costs as specified in the tariff documents. Loan disbursement depends on credit checks, collateral, and property-related requirements, and financing is usually secured by a land charge on real estate in Germany with lender-defined loan-to-value limits. The product is designed for long-term planning and is sensitive to interest-rate cycles and allocation timing; opportunity costs can arise if market rates move differently than assumed, and canceling or altering contracts may reduce bonuses or trigger fees according to terms. Customer onboarding follows German KYC and anti-money-laundering rules; documentation, pre-contractual information, and cost disclosures are provided under German consumer protection law. Savings balances with German credit institutions are covered by the statutory deposit guarantee up to EUR 100,000 per depositor per bank, where applicable; customers should verify BHW Bausparkasse’s current scheme membership and any supplementary protection, as well as the distinction between protected deposits and credit products. The company is regulated in Germany, primarily supervised by BaFin and the Deutsche Bundesbank, and is headquartered in Hameln.