Widerruf erfolgreich: Pflicht zum Abschluss einer Gebäudeversicherung nicht aufgeführt
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Widerruf erfolgreich: Pflicht zum Abschluss einer Gebäudeversicherung nicht aufgeführt

Die Tür für den Widerrufsjoker steht bei Immobiliendarlehen, die nach dem 10.Juni 2010 geschlossen wurden, immer noch weit auf. Das liegt an zwei Punkten. Einerseits sind diese Kreditverträge nicht vom Ende des ewigen Widerrufsrechts betroffen und andererseits haben die Banken immer noch falsche Widerrufsbelehrungen verwendet oder haben Fehler bei den Pflichtangaben gemacht.
 
So entschied das Oberlandesgericht Düsseldorf mit Urteil vom 20. Juni 2017, dass eine Bank, die in ihren allgemeinen Darlehensbedingungen den Abschluss einer Gebäudeversicherung verlangt, auch in der Vertragsurkunde darauf hinweisen muss. Fehlt die Angabe, dass der Kreditnehmer sich verpflichtet, eine Gebäudeversicherung abzuschließen, werde die Widerrufsfrist nicht in Lauf gesetzt (Az.: I-17 U 144/16).
 
Konkret ging es um einen Darlehensvertrag mit einer Bausparkasse, der im August 2010 abgeschlossen wurde. Laut den allgemeinen Darlehensbedingungen war der Kreditnehmer zum Abschluss einer Gebäudeversicherung verpflichtet. In der Vertragsurkunde selbst wurde diese Verpflichtung aber nicht erwähnt. Hier hieß es nur, dass durch den Abschluss einer Gebäudeversicherung zusätzliche Kosten entstehen können. Dies sei nicht ausreichend, befand das OLG Düsseldorf. Denn der Verbraucher werde darüber im Unklaren gelassen, dass er zum Abschluss der Gebäudeversicherung zwingend verpflichtet sei und die Bausparkasse ansonsten die Möglichkeit habe, die Gebäude auf Kosten des Darlehensnehmers anderweitig in Deckung zu geben“. Unterm Strich sei die Widerrufsfrist daher nicht in Lauf gesetzt worden und der Widerruf aus dem Jahr 2015 wirksam erteilt worden.
 

Rechtliche Einschätzung der Kanzlei Kreutzer, München: Die Pflicht zum Abschluss einer Gebäudeversicherung ist in verschiedenen Darlehensverträgen vorgesehen. Darüber muss der Verbraucher auch klar und eindeutig informiert werden. Allerdings ist dies nicht der einzige Fehler, der Banken unterlaufen ist. In anderen Verträgen fehlt beispielsweise die Angabe zur Kreditlaufzeit oder die Nennung der Aufsichtsbehörde wird als Pflichtangabe genannt, tatsächlich wird die Aufsichtsbehörde aber nicht aufgeführt. Mit diesen und anderen Fehlern haben Banken und Sparkassen selbst dafür gesorgt, dass der Widerruf auch bei Immobiliendarlehen, die seit dem 11. Juni 2010 geschlossen wurden, häufig noch möglich ist. Durch den Widerrufsjoker können Verbraucher von den nach wie vor niedrigen Zinsen profitieren.

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