Real estate financing and construction financing
Realize your dream home: your tailor-made real estate and construction financing
Your dream of owning your own home. We are your reliable partner on the way to your tailor-made financing solution. Our experts will help you realize your dream home and support you in every step of real estate and construction financing. Discover here how we can help you make your real estate dream come true.
Real estate and construction financing are forms of financing for existing or new properties, often in larger sums of 40,000 to 80,000 euros and with long terms of 20 to 35 years. They offer low interest rates between 0.8 and two percent, which are valid for a fixed period of time. After this period, any remaining debt will be continued through follow-up financing options, depending on the current market interest rate. Falling interest rates mean lower costs, while rising interest rates increase the loan burden.
The follow-up financing
After the fixed interest rate expires, usually after five, eight, ten, 15 or 20 years, there are various options for follow-up financing. Borrowers can stay with their current bank (prolongation) or switch to another provider to benefit from better conditions. If the end of the interest rate fixation is still a few years away and interest rates are low, you can consider a forward loan to secure favorable interest rates for the future, even if this is associated with a forward surcharge.
Equity in real estate and construction financing
When purchasing a home, it is usually recommended to have equity, ideally 20 to 30 percent of the total price including additional costs. If your credit rating is good, it is possible to obtain building financing without equity. In this case, one speaks of 100 percent financing, provided that at least the additional costs can be paid from your own resources. If these also have to be co-financed, this is referred to as 110 percent financing, which is, however, more expensive because it represents a higher risk for the banks.
- Financing of new or conversions
- Long running times
- Equity required
- The remaining debt will be further financed through follow-up financing
- Restschuld wird über Anschlussfinanzierung weiterfinanziert
- Forward loans are recommended if the interest rate is low
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