| Conditions | APR with a 10-year fixed rate | -
•
Well below market average = full points
-
•
Slightly below market average = 13 points
-
•
Market average = 9 points
-
•
Above market average = 4 points
-
•
No representative rate published = 0 points
| 18 |
| Interest surcharge by loan-to-value | -
•
No or small surcharge up to 90% loan-to-value = full points
-
•
Standard market surcharge = 5 points
-
•
High surcharge or financing only up to 60% loan-to-value = 2 points
-
•
Not stated = 0 points
| 9 |
| Commitment interest (commitment-free period and rate) | -
•
At least 12 months without commitment fee = full points
-
•
6 to 11 months without commitment fee = 5 points
-
•
3 to 5 months without commitment fee = 2 points
-
•
Less than 3 months or not stated = 0 points
| 8 |
| Flexibility | Free special repayments | -
•
At least 5% of the loan amount per year = full points
-
•
5% per year only with an interest surcharge = 6 points
-
•
Less than 5% per year = 3 points
-
•
No special repayments possible = 0 points
| 10 |
| Changing the repayment rate | -
•
Possible several times free of charge during the term = full points
-
•
Once or possible for a fee = 3 points
-
•
Not possible = 0 points
| 6 |
| Choice of fixed-rate periods | -
•
Selectable from 5 to at least 20 years = full points
-
•
Three to four fixed-rate periods = 3 points
-
•
Fewer than three fixed-rate periods = 1 point
| 5 |
| Full-repayment loan | -
•
Full-repayment loan offered = full points
-
•
Not offered = 0 points
| 4 |
| Range of products | Product selection or connected lenders | -
•
Broker with ≥ 300 lenders or bank with a full product range = full points
-
•
≥ 50 lenders = 5 points
-
•
Only one bank's own products = 3 points
-
•
Selection not stated = 0 points
| 8 |
| Arranging subsidised loans | -
•
KfW and state funding programmes are included = full points
-
•
KfW programmes only = 3 points
-
•
No subsidised loans = 0 points
| 6 |
| Special cases (follow-up financing, forward loans, no equity) | -
•
All three variants possible = full points
-
•
Two variants = 2 points
-
•
Standard financing only = 0 points
| 4 |
| Advice & process | Advisory services | -
•
Personal advice in person, by video and by phone = full points
-
•
Two advice channels = 4 points
-
•
Only one advice channel = 2 points
-
•
No personal advice = 0 points
| 6 |
| Time until financing confirmation | -
•
Binding approval within 5 working days = full points
-
•
Within 10 working days = 2 points
-
•
Longer or not stated = 0 points
| 4 |
| Digital submission of documents | -
•
Fully digital upload including digital signature = full points
-
•
Digital upload, signature on paper = 2 points
-
•
By post only = 0 points
| 4 |
| Transparency & authorisation | Representative example under the German Price Indication Ordinance | -
•
Complete representative example published = full points
-
•
Interest range only, no example = 2 points
-
•
Not stated = 0 points
| 4 |
| Licence under § 34i GewO or banking licence | -
•
Licence or banking licence publicly verifiable = full points
-
•
Not found = 0 points
| 4 |
