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Together with the local cooperative banks, DZ HYP offers private developers and real estate investors rapid, secure initial and follow-up financing for the construction, purchase and/or modernisation of homes. Both classical and customised loans, long fixed interest rates and a variety of special options add to the appeal of this service.

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Our financing solutions

Efficient processes for the retail business

As part of the Cooperative Financial Network, DZ HYP works closely with cooperative banks in its business with retail customers and private investors. Joint customers include private developers and investors acquiring properties for their own use, or for investment purposes. New retail business is exclusively originated through intermediation by cooperative banks.

DZ HYP’s offering includes initial as well as follow-up financings for new construction, purchase and modernisation/refurbishment. Thanks to DZ HYP’s broad product range of home loans – with fixed-interest terms of up to 30 years – cooperative banks can offer their customers solutions which fit their needs exactly.

Business with retail customers and private investors is based on standardised credit processes, and is characterised by swift and reliable lending decisions. The full distribution potential of the Cooperative Financial Network is made available to retail customers through technological integration of the products into the distribution systems of individual cooperative banks, and through using largely automated processes.

Annuity loans

Look to the future with peace of mind: with a 30-year constant interest rate and regular repayments, our annuity loan provides you with valuable assurance when planning your future.

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Repayment deferral loans

Pay off your loan in a lump sum Find out more about the options available to you here.

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Loans with special repayment terms

If you would like to benefit from the attractive interest rates for your mortgage, but keeping the option of special repayments open, then we have the right product for you.

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Forward-starting loans

You already know that you want to take up initial or follow-up financing within the next 6 to 60 months. Take advantage of the current attractive interest rates on our forward-starting loans.

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Regional interest rate benefit

Ace up your sleeve – use our RegioFlex to secure your loan financing with a regional interest rate benefit for fixed interest rates of up to 30 years.

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Find out about the promotional funding opportunities available to you, and apply for a subsidy towards your real estate financing.

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