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DZ HYP. Because we can.

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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 to  you flexible and attractive solutions.

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Annuity loans

Look to the future with peace of mind: with fixed interest rates of up to 30 years, our annuity loan provides you with valuable assurance when planning your future. An annuity loan is the standard solution among real estate financing products.

How does an annuity loan work?

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.

  • 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

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.

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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.

How does the loan with special repayment work?

This is how the loan works with the special repayment option:

  • Housing loans with fixed interest rates of between 10 and 30 years
  • Annuity loans of between EUR 40,000 and 1 million Euro with regular payments of up to a maximum of 5 percent per year.
  • Each year, you have the one-off option to repay a maximum of 5 per cent of the original loan amount during the first interest rate period. You can choose the timing as you wish.
  • Alternatively , you can opt for the one-off option to repay a maximum of 10 percent  of the original loan amount as of the sixth year of the interest rate period. You can choose the timing as you wish.
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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.

How does the Forward-starting loan work?

Our real estate financing solutions mean that you don’t have to sacrifice the smaller pleasures in life. With a favourable follow-up financing, you will benefit from favourable interest rates as well as increasing your financial leeway. We are offering this solution for follow-up financings within the next 60 months with our forward-starting loan VR-BaufiForward. The fixed interest rate period for your existing loan expires in 6 to 60 months. Do you want to secure the current low interest rates for your follow-up financing right now? With our VR-BaufiForward forward-starting loan you can fix the terms of your follow-up financing up to 60 months in advance. Your local cooperative bank will be happy to advise you on our forward-starting loan product. Your local contact person is listed in the branch finder at

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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.

How does RegioFlex work?

Use our regional interest rate advantage to finance your construction project - whether you are planning the purchase, construction or modernisation of a property. This is what we can offer you:

  • Interest rate reduction of up to 0.10 percent p.a. (valid for fixed interest rates from 3 to 30 years)
  • Annual repayment of at least 2 percent (valid for housing financing in retail banking, loans of up to EUR 1 million and initial and follow-up financing)
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You have no money to spare when it comes to planning your future. We can help you. Take advantage of grants, subsidies, promotional loans and innovative financing solutions. For comprehensive information concerning the various promotional programmes available to you, please contact your local cooperative bank. The team will offer you detailed personal advice on a one-to-one basis.

How does promoting work?

In addition to your principal bank, KfW (Kreditanstalt für Wiederaufbau), the largest German promotional bank, offers low-interest loans and grants for construction financing. In order to take advantage of the maximum possible funding available to you, you can combine the promotional programmes we offer here.

The building finance specialists 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 at

Our services

DZ HYP works closely with the local cooperative banks in retail banking. Our services include first-time and follow-up financings – for new construction, purchase, or refurbishment.

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