Your strong partner.

Close. Together. Successful.

Together with the local cooperative banks, DZ HYP offers private developers 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.

Home > Customers > Retail Customers > Our financing solutions > Annuity loans

Annuity loans

An annuity loan is the standard solution among real estate financing products.

How does an annuity loan work?

You pay back monthly or quarterly instalments of the same size (the annuity), consisting of a loan repayment portion and an interest portion. For annuity loans, the interest rate charged is agreed for a certain fixed-interest period. Terms of 5 to 15 years are common, but shorter or longer loan periods are also possible.

As repayments are made, the interest portion of the annuity decreases, while the repayment portion increases accordingly. This means that the interest saved can be used for additional debt repayment.

Repayment can be deferred for a maximum of 15 years. Only then do you start repaying your loan. If you have not repaid it in full by the end of the agreed loan period, you will need to take out additional financing for the remainder of the loan.

Annuity loan with fixed interest rate

Just relax: When financing your real estate, secure yourself fixed interest rates, while repaying your loan payments over a regular period. This gives you all-important assurance when planning ahead.

Long-term interest rate security and reliable financing planning

  • Interest rates remain low
  • No interest rate risk with follow-up financing
  • Repayment of the loan in full by the end of the fixed-interest period

The building finance advisor at your local cooperative bank will be happy to give you comprehensive advice on the products offered by DZ HYP. Your local contact person is listed in the branch finder.


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


© 2020 DZ HYP