Baufinanzierung

Introduction

1822direkt's home financing (Baufinanzierung) is not a classic mortgage loan from a single lender, but a brokerage service: through the platform, 1822direkt works together with the financing brokers FINMAS GmbH and Prohyp GmbH to compare terms from more than 400 lending partners and find the matching offer. The product is aimed at homebuyers and builders who don't want to work through dozens of individual bank offers themselves, but are looking for a central point of contact for comparison, advice and application.

Rates and terms

The 1822direkt offer page does not publish a fixed interest rate or an example calculation. Instead, a rate calculator and a budget calculator are available to provide a rough first orientation. The actual interest rate depends on individual factors such as loan-to-value ratio, equity share, income and the chosen fixed-interest period, and is only determined during personal consultation. Anyone looking for a concrete comparison rate therefore has to submit a non-binding request themselves.

How the brokerage process works

The process is split into three steps: first, the online calculator gives an initial overview of the possible financing volume. Next, a free, non-binding offer is requested via an online form, with consultation provided by phone or video. A personal contact accompanies the customer from application through to disbursement. According to the provider, the entire process to completion takes around two weeks. The brokerage itself is free for the customer; notary costs and any commitment interest are, as with any home financing, charged separately.

Verdict

1822direkt's home financing service suits anyone looking for a convenient entry point into loan comparison and who values guided advice without having to collect dozens of bank offers themselves. Anyone who wants to see concrete figures on rate, loan-to-value or term before making contact won't find them on this page and will need to go through the non-binding request.