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Niedrigzinsen bei Bausparkassen — ein Urteil des Bundesgerichtshofs
[Low Interest Rates and Building Societies — A Judgment of the Federal High Court of Justice]

Author

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  • Thomas Wein

    (Leuphana Universität Lüneburg)

Abstract

Zusammenfassung Ende Februar 2017 hat der Bundesgerichtshof Bausparkassen, die Bausparern mit vertraglich zugesicherten hohen Einlagenzinsen aus Altverträgen vorfristig gekündigt haben, Recht gegeben. Der Autor stellt die Funktionsweise des Bausparens dar. In der aktuellen Niedrigzinsphase könnte es dazu kommen, dass der Darlehenszinssatz geringer als der Sparzinssatz ist. Dann würde das Geschäftsmodell der Bausparkassen kollabieren. Ein mikroökonomisches Modell zeigt beispielhaft, in welcher Höhe den Bausparkassen Schaden aus der Zinskonstellation entstehen können. Die betroffenen Kunden sollten von den Sparkassen in Höhe der entgangenen Nettoerträge entschädigt werden. Dies hält der Autor für eine bessere Lösung als die erlaubte vorfristige Kündigung.

Suggested Citation

  • Thomas Wein, 2017. "Niedrigzinsen bei Bausparkassen — ein Urteil des Bundesgerichtshofs [Low Interest Rates and Building Societies — A Judgment of the Federal High Court of Justice]," Wirtschaftsdienst, Springer;ZBW - Leibniz Information Centre for Economics, vol. 97(4), pages 294-298, April.
    • Handle: RePEc:spr:wirtsc:v:97:y:2017:i:4:d:10.1007_s10273-017-2133-2
    DOI: 10.1007/s10273-017-2133-2
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    JEL classification:

    • K22 - Law and Economics - - Regulation and Business Law - - - Business and Securities Law
    • K12 - Law and Economics - - Basic Areas of Law - - - Contract Law
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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