Deutsche Bausparkasse Badenia Aktiengesellschaft products, services and reviews

About Deutsche Bausparkasse Badenia Aktiengesellschaft

Deutsche Bausparkasse Badenia Aktiengesellschaft is a German private building society headquartered in Karlsruhe and part of the Generali Deutschland Group. Its core business is Bauspar saving and lending: customers agree a target sum, pay an upfront Abschlussgebühr tied to that sum, build savings at a contract rate until allocation based on tariff rules and collective funding, and may then draw a fixed‑rate Bauspar loan; interim and advance loans for immediate financing, as well as modernization loans, are also offered, and contracts can often be combined with public subsidy programs such as Wohn-Riester or KfW where eligibility criteria are met. Pricing is tariff‑dependent and typically includes low savings rates, the initial contract fee, possible ongoing account or service fees, and fixed borrowing rates, with special repayments on Bauspar loans commonly permitted without penalty; early termination or bonus conditions may affect returns. Distribution occurs via intermediaries, partner networks, and online channels, with account servicing through a customer portal and telephone support. As a licensed credit institution, the company is supervised by BaFin and the Deutsche Bundesbank; Bauspar deposits fall under the German statutory deposit guarantee of up to 100,000 euros per depositor. Suitability depends on planning horizon and allocation timing, which vary by tariff and market conditions, so effective interest costs should be compared against standard mortgage offers and alternative savings products. The company has historically been linked to legal disputes around financed property transactions marketed by third parties in past decades; prospective customers should review current terms, disclosures, and risk information before entering a contract.