Nicht jede Kündigung eines Bausparvertrags ist wirksam
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Nicht jede Kündigung eines Bausparvertrags ist wirksam

Seit der Entscheidung des Bundesgerichtshofs vom 21. Februar 2017 ist klar, dass Bausparkassen alte Bausparverträge kündigen dürfen, wenn diese seit mehr als zehn Jahren zuteilungsreif sind. Das heißt aber nicht, dass jede Kündigung eines gut verzinsten Altvertrags rechtlich zulässig ist. Denn nicht immer werden nur Verträge gekündigt, die seit mindestens zehn Jahren zuteilungsreif sind.
 
Die anhaltende Niedrigzinsphase belastet auch die Bausparkassen. Einst haben sie die Bausparer mit unterschiedlichen Versprechungen angelockt, nun wollen sie sich von vergleichsweise hoch verzinsten Verträgen wieder trennen. Dabei zeigen sie sich zum Teil einfallsreich und nicht jede Kündigung wird damit begründet, dass der Vertrag seit mindestens zehn Jahren zuteilungsreif ist und damit nach § 489 BGB und der Entscheidung des BGH gekündigt werden darf.
 
Zum Teil werden Verträge auch unter Berufung auf die §§ 313, 314 BGB und damit wegen einer „Störung der Geschäftsgrundlage“ gekündigt. Aufgrund dieser Störung ist es einem Partner nicht mehr länger zumutbar, an dem Vertrag festzuhalten. Mit anderen Worten sehen die Bausparkassen durch die anhaltend niedrigen Zinsen keine Geschäftsgrundlage mehr für die betroffenen Bausparverträge.
 
Umstritten dürften auch Kündigungen sein, die sich auf Vollbesparung bzw. Übersparung nach § 488 BGB berufen. Voll bespart ist ein Bausparvertrag, wenn die vertraglich fixierte Bausparsumme alleine durch die Sparleistungen des Bausparers erbracht ist und das Darlehen nicht mehr in Anspruch genommen werden kann. Dadurch ist der eigentliche Zweck des Bausparvertrags nicht mehr gegeben. Bei der Berechnung kommt es allerdings auch vor, dass die Bonuszinsen einbezogen werden und nur durch diese der Bausparvertrag voll angespart ist. Dieser Art der Berechnung hat das OLG Celle eine Absage erteilt (Az.: 3 U 86/16).
 

Rechtliche Einschätzung der Kanzlei Kreutzer, München: Nach dem Urteil des BGH ist zu erwarten, dass die Bausparkassen weiterhin massenhaft Bausparverträge kündigen werden. Es lohnt sich aber, genau hinzuschauen, mit welcher Begründung die Kündigung erfolgt. Denn das BGH-Urteil bezieht sich explizit nur auf Bausparverträge, die seit mehr als zehn Jahren zuteilungsreif sind. Nicht jede Kündigung dürfte daher auch wirksam sein und Bausparer müssen sich nicht wehrlos aus gut verzinsten Altverträgen drängen lassen.

83 Kommentare zu Nicht jede Kündigung eines Bausparvertrags ist wirksam:

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