Zins = Kapital x Zinssatz x Tage 100 x 365 Aufgabe

G u t fü r m ic h – e in L e b e n la n g .
M a rin a D ie in g
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- G iro k o n to
- S p a re n
- K re d it
- K fW -S tu d ie n k re d it
- S ta a tlic h e F ö rd e ru n g
- V e rs ic h e ru n g e n
M a rin a D ie in g
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G iro k o n to –
d e r D re h - u n d A n g e lp u n k t d e r B a n k v e rb in d u n g
p ra k tis c h
G iro k o n to
e in fa c h
fle x ib e l
M a rin a D ie in g
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S e ite 3

G iro k o n to – w a ru m ???
M a rin a D ie in g
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G iro k o n to – O n lin e -B a n k in g
M a rin a D ie in g
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G iro k o n to – K re d itk a rte n
M a rin a D ie in g
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S p a re n – w a ru m ???
M a rin a D ie in g
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M it G e ld u m g e h e n
- W ie (v e r)p la n e ic h m e in G e ld ?
- W ie b e w a h re ic h d e n Ü b e rb lic k ?
- W ie k a n n ic h m ir m e in e W ü n s c h e u n d Z ie le e rfü lle n ?
M a rin a D ie in g
1 8 .0 6 .0 9
S e ite 8

Thors ten M us ter
P R IV A T
le d ig , 1 7 J a h re
P a rtn e rin – M a n u e la 1 6
S c h ü le r – k e in e K in d e r
B E R U FLIC
HS
c h ü le r –
R e a ls c h u la b s c h lu s s 2 0 0 8
IR TS C H A FTLIC H
w o h n h a ft: E lte rn h a u s
k e in e A b g a b e a n E lte rn
A n la g e g u th a b e n 2 .0 0 0 ,0 0 €
F a m ilie n ä c h s te 1 0 - 1 5 J a h re
A b te ilu n g s le ite r
E le k tro n ik
A u s b ild u n g z u m T e c h n ik e r
E le k tro n ik e r
M y o n ic L e u tk irc h
A u d i A 4
2 0 .0 0 0 €
3 -w ö c h ig e
S a fa ri 5 0 0 0 €
E ig e n h e im
2 5 0 .0 0 0 €
M a rin a D ie in g
1 8 .0 6 .0 9
S e ite 9
R e n te
7 5 5 .0 0 0 €
2 0 1 1 2 0 1 5 2 0 2 0 2 0 5 9

W ie s p a re ic h m e in G e ld –
w a s k o m m t d a b e i ra u s ?
E s g ib t e in e M e n g e v e rs c h ie d e n e r A n la g e m ö g lic h k e ite n :
B a u s p a re n
In v e s tm e n tfo n d s
S p a ra n la g e n
A k tie n
IH S
V e rs ic h e ru n g
A u to fin a n z ie ru n g e n
M a rin a D ie in g
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S e ite 1 0

W ie k a n n ic h s p a re n –
w a s g ib t e s fü r M ö g lic h k e ite n ?
M a rin a D ie in g
1 8 .0 6 .0 9
S e ite 1 1

S ta a tlic h e F ö rd e ru n g (V L u n d W o P )
B e is p ie l d e r m a x im a le n s ta a tlic h e n F ö rd e ru n g im B e z u g a u f
v e rm ö g e n s w irk s a m e L e is tu n g e n :
LBS Bausparen
Deka
Investmentfonds
Beitrag
monatlich
Beitrag
jährlich
Förderung
jährlich
40,00 € 480,00 € 42,00 € 9 %
34,00 € 400,00 € 80,00 € 20 %
74,00 € 840,00 € 1 22,00 €
Förderquote
M a x im a le F ö rd e ru n g im B e z u g a u f d ie W o h n u n g s b a u p rä m ie :
LBS Bausparen
Beitrag
monatlich
Beitrag
jährlich
Förderung
jährlich
43,00 € 51 6,00 € 45,00 € 8,8 %
(G e s a m tfö rd e rb e tra g n a c h 7 J a h re n c a . 1 .1 7 0 E u ro .)
Förderquote
M a rin a D ie in g
1 8 .0 6 .0 9
S e ite 1 2

R ie s te r:
D a s id e a le P ro d u k t fü r B e ru fs e in s te ig e r
M a rin a D ie in g
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W e lc h e V e rs ic h e ru n g e n s in d n ö tig ?
J e d e r M e n s c h is t a n d e rs . A n d e re H o b b y , a n d e re G e fa h re n , a n d e re B e d ü rfn is s e .
E in e V e re in h e itlic h u n g d e s V e rs ic h e ru n g s b e d a rf w ä re s ic h e r fa ls c h . D o c h g ib t e s
e in e A rt B a s is , d ie je d e r h a b e n s o llte :
K ra nkenzus a
tz
P riva te
R entenvers ic herun
g
Fundament:
Privathaftpflicht, B erufsunfähigkeit,
Unfallvers icherung
M a rin a D ie in g
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Z in s u n d Z in s e s z in s
Z ins = E n tg e lt fü r e in e G e ld a n la g e
E s w ird e in L e itz in s v o n d e r e u ro p ä is c h e n Z e n tra lb a n k
fe s tg e le g t, a n d e m s ic h d ie Z in s e n d e s K a p ita lm a rk te s o rie n tie re n .
Z ins rec hnung : Z ins = K a pita l x Z ins s a tz x Ta g e
100 x 365
A ufg a be:
E in K u n d e le g t 1 0 .0 0 0 ,- € fü r 3 J a h re z u e in e m Z in s s a tz v o n 2 % p . a .
a n . D ie Z in s z a h lu n g e rfo lg t jä h rlic h , d ie Z in s e n w e rd e n w ie d e r
a n g e le g t.
W ie v ie l Z in s e n b e k o m m t d e r K u n d e ?
M a rin a D ie in g
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S e ite 1 5

L ö s u n g :
1. J a h r: 1 0 .0 0 0 x 2 x 3 6 5
1 0 0 x 3 6 5
Z ins im 1. J a hr = 200,00 E uro
1. J a h r: 1 0 .2 0 0 x 2 x 3 6 5
1 0 0 x 3 6 5
Z ins im 2. J a hr = 204,00 E uro
1. J a h r: 1 0 .4 0 4 x 2 x 3 6 5
1 0 0 x 3 6 5
Z ins im 3. J a hr = 208,08 E uro
M a rin a D ie in g
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S e ite 1 6

K redit –
e in e m o n a tlic h e B e la s tu n g
T h o rs te n w ill s ic h s e in e n A u d i A 4 fü r
2 0 .0 0 0 ,0 0 E u ro s c h o n frü h e r w ie g e p la n t
k a u fe n .
E r n im m t e in e n S p a rk a s s e n -A u to k re d it a u f.
V e rd ie n s t 1 .7 0 0 ,0 0 E u ro
M ie te m it N e b e n k o s te n 5 0 0 ,0 0 E u ro
A u to 2 2 0 ,0 0 E u ro
S o n s tig e s (E s s e n /T rin k e n , w e g g e h e n ) 5 0 0 ,0 0 E u ro
R e s tb e tra g fü r e in e n U rla u b , A u s flü g e
o d e r w e ite re W ü n s c h e (S p a re n ) 4 8 0 ,0 0 E u ro
K reditra te (c a . 4 J a hre) 350,00 E uro
R es tbetra g 130,00 E uro
M a rin a D ie in g
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K fW -S tu d ie n k re d it
- E c k d a te n d e s K fW -S tu d ie n k re d ite s
- A n tra g s b e re c h tig te
- A n tra g s w e g
- A b la u f
- F ris te n
M a rin a D ie in g
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E c k d a te n d e s K fW -S tu d ie n k re d its
- F ö rd e ru n g a lle r S tu d ie re n d e n im E rs ts tu d iu m
- m o n a tlic h e D a rle h e n v o n 1 0 0 b is 6 5 0 E U R (v a ria b e l) z u r
F in a n z ie ru n g d e r L e b e n s h a ltu n g s k o s te n
- ü b e r e in e n Z e itra u m v o n i. d . R . b is z u 1 0 F a c h s e m e s te rn
- v a ria b le V e rz in s u n g m it Z in s o b e rg re n z e
- D re i-P h a s e n -M o d e ll:
- A us za hlung s pha s e
- K a renzpha s e
- Tilg ung s pha s e
- A n tra g s te llu n g u n d B e s ta n d s v e rw a ltu n g v o rw ie g e n d o n lin e
M a rin a D ie in g
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A n tra g s b e re c h tig te
- D e u ts c h e /E U -B ü rg e r s o w ie d e re n F a m ilie n a n g e h ö rig e
- A lte r v o n 1 8 -3 0 J a h re n (im E rs ts e m e s te r)
- V o llz e its tu d ie re n d e a n s ta a tlic h e n /s ta a tlic h a n e rk a n n te n H o c h s c h u le n
m it S itz in D e u ts c h la n d
- b is z u m e rs te n b e ru fs q u a lifiz ie re n d e n H o c h s c h u la b s c h lu s s
(E rs ts tu d iu m ) e in s c h lie ß lic h k o n s e k u tiv e s M a s te r-S tu d iu m
M a rin a D ie in g
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S e ite 2 0

A n tra g s w e g
- A n tra g s fo rm u la r u n te r w w w .k fw -fo e rd e rb a n k .d e
- V e rtra g s a n g e b o t w ird o n lin e e rs te llt
- V e rtra g s a n g e b o t u n d A n tra g m it z u r S p a rk a s s e b rin g e n
- F o lg e n d e U n te rla g e n s in d z u s ä tz lic h n o tw e n d ig :
� A us w eis dokum ent
� S tudienbes c heinig ung
� K ontoverbindung s na c hw eis
� g g f. Form bla tt für nic htdeuts c he A ntra g s teller
� da s Leis tung s na c hw eis form ula r in
fortg es c hrittenen
S tu d ie n p h a s e n
M a rin a D ie in g
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S e ite 2 1

A b la u f
Studierender
beantragt
KfW
entscheidet
Sparkasse
prüft und gibt frei
M a rin a D ie in g
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A b la u f D re i-P h a s e n -M o d e ll
A us za hlung s pha s e K a renzpha s e Tilg ung s pha s e
Fördersemester
1 bis max. 10 (14)
Z in s e n fä llig
Z in s a u fs c h u b n a c h
L e is tu n g s -n a c h w e is
m ö g lic h
Tilgungsfreie Zeit
6 bis 23 Monate
Z in s e n fä llig
Z in s a u fs c h u b
m ö g lic h
Rückzahlung
max. 25 Jahre
R ü c k z a h lu n g D a rle h e n +
a u fg e la u fe n e /la u fe n d e
Z in s e n (S ta n d a rd -/
M in d e s ta n n u itä t)
M a rin a D ie in g
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S e ite 2 3

A b la u f
- 1 0 0 b is 6 0 0 E u ro m tl.
- 1 0 S e m e s te r (m a x . 1 4 S e m .)
- Z in s z a h lu n g
- Z in s a u fs c h u b m ö g lic h
S tu d e n t e rh ä lt S tu d e n t z a h lt
S tu d e n t e rh ä lt
S tu d e n t e rh ä lt
- Z in s z a h lu n g
- Z in s a u fs c h u b m ö g lic h
- m in d . 6 M o n . - m a x . 2 3 M o n .
S tu d e n t z a h lt
- m a x . 2 5 J a h re
- m in d . 2 0 E u ro m tl.
- D a rle h e n s b e tra g
- Z in s e n la u fe n d e + a u fg e s c h o b e n e
S tu d e n t z a h lt
M a rin a D ie in g
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F ris te n
A n tra g s e in g a n g bis zum B ea ntra g ung s s tic hta g 15.07.
� e rs te A u s z a h lu n g a m 0 1 .0 8 . fü r M o n a t A u g u s t
A n tra g s e in g a n g in der N a c hfris t (16.07.-31.07.):
� e rs te A u s z a h lu n g fü r M o n a t A u g u s t – a u fg ru n d d e r v e rs p ä te te n
E in re ic h u n g , n a c h g e la g e rte Ü b e rw e is u n g d e r 1 . R a te
A n tra g s e in g a n g na c h A bla uf der N a c hfris t (a b 01.08.):
� A u s z a h lu n g d e r e rs te n R a te a m 0 1 .0 9 . fü r M o n a t S e p te m b e r; k e in e
rü c k w irk e n d e F in a n z ie ru n g fü r M o n a t A u g u s t
A ntra g s eing a ng :
P a piereing a ng bei K fW
(E ing a ng s s tem pel)!
M a rin a D ie in g
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F ris te n
A u s z a h lu n g s v o ra u s s e tz u n g fü r d ie F o rts e tz u n g d e r
F in a n z ie ru n g e in e s je d e n w e ite re n S e m e s te rs :
- V o rla g e e in e r g ü ltig e n S tu d ie n b e s c h e in ig u n g fü r d a s k o m m e n d e
b z w . a n g e la u fe n e S e m e s te r:
� E in g a b e d e r D a te n d u rc h d e n S tu d ie re n d e n im O n lin e -P o rta l
� A u s d ru c k d e s N a c h w e is p ro to k o lls
� V o rla g e d e s N a c h w e is p ro to k o lls , s o w ie d e r S tu d ie n -
b e s c h e in ig u n g b e i d e r S p a rk a s s e
- J e w e ils s p ä te s te n s z u m 1 5 .0 4 . b z w . 1 5 .1 0 . d e s F ö rd e rs e m e s te rs
e in z u re ic h e n .
- A u s z a h lu n g s s to p b e i N ic h tv o rla g e .
- K E IN Z w e ita n tra g b e i V e rs ä u m e n d e r F ris t m ö g lic h .
M a rin a D ie in g
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H a b e n S ie n o c h F ra g e n … ?!
V ielen D a nk
für Ihre A ufm erks a m keit!
M a rin a D ie in g
1 8 .0 6 .0 9
S e ite 2 7