The Association of Private Bausparkassen represents Germany’s private housing savings banks, the “Bausparkassen”. The “Bausparen” model combines disciplined saving with a fixed-interest loan, offering a safe and predictable path to home ownership. Backed by the strong legal framework of the Bausparkassen law, it promotes asset building, financial security, and affordable housing. The Association advocates at both national and European level for strengthening private housing finance and ensuring long-term stability.