German 
English Bearer bonds
An attractive form of investment for our cooperative members
Why bearer bonds?
Bearer bonds - security meets sense
Bearer bonds issued by a housing cooperative offer investors an attractive opportunity to invest capital not only securely and profitably, but also responsibly. In contrast to many speculative forms of investment, the focus here is on real value: apartments that give people a permanent home.
Stability and reliability
Housing cooperatives are traditional, solidly positioned companies that focus on long-term value creation. Due to their focus on the common good, they operate sustainably and with low risk. The investment in bearer bonds therefore benefits from a stable foundation and solid planning.
Plannable income
The bonds have a fixed interest rate. For investors, this means regular, predictable interest payments, regardless of fluctuations on the financial markets. This creates a reliable income that provides security.
Investment with social added value
Anyone who subscribes to bearer bonds also supports the cooperative's mission: the creation and maintenance of affordable housing. In this way, every investment contributes to an important social task - and combines returns with responsibility.
Flexibility
As a bearer bond, the paper is transferable, but personal notification to the cooperative is required. This maintains personal flexibility without having to forego the advantages of a stable and secure investment.
Here you will find our general conditions:
| Term /amount | from 1.000,- € | from 3.000,- € | from 5.000,- € | from 10.000,- € |
|---|---|---|---|---|
for 12 months |
0,10 % |
0,50 % |
0,80 % |
1,30 % |
for 24 months |
0,10 % |
0,50 % |
1,30 % |
1,80 % |
for 36 months |
0,80 % |
0,80 % |
1,80 % |
2,50 % |
for 60 months |
1,30 % |
1,30 % |
2,10 % |
2,80 % |
The interest is subject to capital gains tax (Section 20 (1) No. 7 EStG). This form of investment does not incur any additional fees (custody or administration fees).
How are the purchase and interest payment made?
Once the investment amount has been transferred to the cooperative, the certificate will be issued immediately.
Interest is then paid annually by having the interest coupons, which are shown on the certificate, cut and validated at the cooperative. The interest will be transferred to your account within a few days of the interest coupon being validated.
At the end of the agreed term of the investment, you hand the certificate back to the cooperative.
You will then receive your money within a few days.
The entire process is cashless.
Your contact person
Our interest rate consultation hour takes place every Monday from 2 to 5 p.m. at the Alfred-Neubert-Straße 17 office.
Additional appointments are possible by telephone arrangement.
