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Close. Together. Successful.

DZ HYP is a centre of competence for public-sector clients within the Cooperative Financial Network. We advise customers nationwide on questions regarding municipal financing.

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Markus Krampe

Markus Krampe

Head of Retail Customers & Relationsship Manager Cooperative Banks, Public Sector


We stand up for your success. We focus on tailor-made solutions and offer you a wide range of products and services for municipal finance. Our specialists create an individual and flexible strategy for you. This applies to local authorities and communities, towns and administrative districts as well as to their legally dependent operations, municipal special public-law administrative unions and public-sector institutions.

An overview of our products

  • Municipal loans - as a competent partner for traditional municipal loans, we offer you fixed interest rates for up to 30 years and variable interest rates
  • Forward loans with fixed interest rates
  • Short-term public-sector loans: fast decisions for short-term liquidity needs
  • Municipal bonds and promissory note loans
  • Municipal infrastructure financing, e.g. as forfaiting model (PPP)

Municipal loans

We provide towns, municipalities, administrative districts – and their legally dependent operations – with traditional municipal loans. Our terms and conditions are based on the current capital markets situation. You will not have to wait long for our individual offer. 

Safe into the future with forward loans

Make sure you secure the interest rate level today – for future financings and renewals. Our forward-starting loans provide you with security in the future. We will be happy to help you with decisions regarding loan duration and interest rate composition.

Short-term public-sector loans

Short-term public-sector loans (liquidity facilities) are borrowings by a local authority, for the purpose of securing short-term liquidity needs. Short-term liquidity needs require fast action.

We will process your loan request

  • Fast – with an offer per telephone
  • Flexible
  • With strong service
  • On attractive loan terms

The terms and conditions are based on the current money markets situation. Therefore, when requesting an offer, please contact us as near as possible to the point in time of your decision. We provide our customers with short-term public-sector loans - with fixed and variable rates.

Recall Service



Hamburg Head Office
Rosenstraße 2
20095 Hamburg
+49 40 33 34 - 0
Münster Head Office
Sentmaringer Weg 1
48151 Münster
+49 251 4905 - 0


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