Financing Introductions – the Route to the Right Financing

Sound financing is the foundation of every property purchase. FrankenImmo puts you in touch with regional banks and independent financing advisers with whom we have worked for many years.

Inhalt dieser Seite (5)
  1. What We Do
  2. How Financing Works with Us
  3. Which Property Documents the Bank Needs
  4. A Case from Practice
  5. Including Funding Programmes

Key points at a glance

  • FrankenImmo puts you in touch with regional banks and independent financing advisers who assess properties in Upper Franconia realistically.
  • We prepare the property documents the bank needs for its lending decision.
  • A financing confirmation before the viewing makes buyers far more attractive to sellers.
  • We coordinate the timing of the purchase negotiation, loan approval and notary appointment.
  • The actual financing advice is provided by licensed partners – FrankenImmo is not a credit intermediary under § 34i GewO.

What We Do

Introductions: We put you in touch with financing partners who know the Upper Franconian property market and can assess properties in the region realistically.

Document preparation: We help you compile the documents your bank needs – sales brochure (Exposé), floor plans, energy performance certificate (Energieausweis), breakdown of running costs.

Coordination: We coordinate the timetable between purchase negotiation, financing approval and notary appointment.

Note: FrankenImmo is not a licensed credit intermediary within the meaning of § 34i of the Trade Regulation Act (GewO). We make introductions and provide organisational support, but do not provide independent financing advice ourselves. For independent advice, we recommend the Verbraucherzentrale Bayern (Bavarian consumer advice centre).

→ Guide: Financing: own capital vs. loan

How Financing Works with Us

StepWhat happensYour benefit
1. Initial meetingWe clarify budget, own capital and search profilea realistic search from the outset
2. Contact with the financing partnerA bank or independent adviser prepares a household budget calculationyou know what you can afford
3. Financing confirmationan in-principle commitment for a price rangea stronger position with sellers
4. Property documentsWe supply the brochure, land register extract, floor plans, energy certificate and photosa faster lending decision
5. Loan approvala binding commitment for the specific propertycertainty before the notary appointment
6. Notary and payoutland charge, due date, payment to the sellera smooth completion

Which Property Documents the Bank Needs

Many lending decisions are delayed not because of the buyer, but because of missing property documents. We provide them all together:

  • sales brochure with photos and a description of the location
  • current land register extract (Grundbuchauszug) and cadastral map (Flurkarte)
  • floor plans, sections and living area calculation
  • building specification and year of construction, list of modernisations
  • energy performance certificate
  • for flats: declaration of division (Teilungserklärung), annual budget, amount of the maintenance reserve
  • for let properties: leases and tenant list

A Case from Practice

A young couple from Bayreuth finds a terraced house for €290,000. With a financing confirmation for €320,000 and the complete documents, which we send to the bank the day after the viewing, the binding loan approval arrives after ten days. Two other interested parties without confirmed financing miss out. The notary appointment takes place three weeks after the agreement.

Including Funding Programmes

For families and for buying older houses, there are low-interest development loans – for example from the KfW or BayernLabo. Your financing partner integrates them into the overall financing. Important: many programmes must be applied for before the purchase contract or before renovation begins. Our guide Funding programmes for purchase and renovation gives an overview, and Purchase costs in Bavaria explains the costs on top of the purchase price.


FrankenImmo | Phone: 0151 58363197

Frequently asked questions

Does the introduction to a financing partner cost anything?

The introduction by FrankenImmo is free of charge for you. Whether any costs are charged by the financing partner, and which, you clarify directly with them – advice at banks is usually free of charge, and independent advisers are usually paid by the bank.

Do I need a financing confirmation before the viewing?

Not necessarily, but it is strongly recommended. For sought-after properties, sellers almost always choose the buyer whose financing is in place. We check proof of financing before a viewing in any case.

How much own capital do I need?

At least the purchase costs – in Bavaria, around 5 to 9% of the purchase price, depending on whether an agent is involved. It is better to have an additional 10 to 20% of the purchase price. Details in the Financing guide.

Do banks also finance older houses in need of renovation?

Yes. Banks then assess the value after renovation and want to see a realistic cost estimate. Purchase and renovation can be financed together, and development loans can be included.

Do you also support investors with financing?

Yes. For let properties and apartment buildings, we work with partners who are familiar with investor financing and factor rental income into the calculation.

Sources & further reading

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