You cannot conclude a construction financing online. Nevertheless, there are many construction financing online providers that offer their services on comparison and search platforms on the internet. Strictly speaking, online construction financing is a construction financing brokerage by brokers who usually do not have a branch network, but in the best case offer competent advice and support until the construction financing loan is concluded – and sometimes beyond that. An online construction financing brokerage has two special advantages for you: the large intermediaries such as the bank-independent accedo AG have access to the construction financing offers of 400 banks to find the best loan for you. And you are also location and time independent. So you can comfortably z. B. Receive advice and support from home and at your preferred times.
Online construction financing with a personal contact person
When you contact an online construction finance provider, you usually do so by means of an inquiry form, which you can find either on the provider's website or as a link on comparison portals. These request forms typically only require a few pieces of information about your funding proposal. Sometimes you'll find – like z. B. At accedo – after entering these queries, corresponding interest offers from banks are already displayed online, so that you receive initial important information about interest costs and expected monthly installments for interest and repayment (based on the usual annuity loan) even before you contact them.
After submitting the request, you are then called by the online intermediary. At accedo, after this initial contact, you already have your personal construction financing expert who will accompany you from this initial contact to the construction financing concept and – if you wish – to the signing of the contract with the financing bank and the loan disbursement.
The initial telephone contact after your inquiry
You discuss your wishes and options for real estate financing with your personal accedo construction financing expert by telephone or video conference. After this first exchange, which is of course free of charge at accedo, you will know which purchase and loan amounts you can count on. With this knowledge you start looking for a suitable property.
Your advantage for a quick decision: through the initial discussions and the transmission of your personal documents, your accedo consultant then already has the most important documents and can react quickly when you have found your desired property. Then he only needs the documents to the object. If you want to build a new house, you already have the building permit in addition to the documents for the new building.
Your personal accedo expert will already tell you in this phase, which bank offers, which loan forms, subsidy options and combinations come into consideration for you. On the basis of this personal exchange you know afterwards exactly whether you can realize the dream of your desire real estate and if yes, already now the conditions of your real estate loan are defined.
Advantage of online construction financing brokerage: choice of over 400 banks
Accedo has access to the daily updated financing offers from over 400 banks. This is a particular advantage over many brick-and-mortar banks that prefer to sell your house's financial products.
Nevertheless, it is always advisable to obtain additional quotes. In order to be able to compare the offers as well, it is important to define comparable key points. These are z. B. Effective interest rate, term of the initial financing, initial repayment, stated residual debt after expiration, repayment schedule and flexible building blocks such as no-cost unscheduled repayment options during the term.
And you will be surprised: in most cases the interest rate offered by the intermediary is lower than the one offered by your bank. Although online home loan brokers don't cost you a dime and are commissioned by the financing bank, they are able to offer particularly favorable rates because they receive a "volume discount" from the banks on all the home loans they broker. Accedo AG passes on this "volume discount" directly to its customers.
If you have then decided on a construction financing provider, it often has to go quickly. Because if you have already found your dream property and you are also sure that this property is also financeable, you should not lose any time on the currently "tight" real estate market. Therefore, it is important that at least the most important key points of the real estate loan are already clarified in advance. And you have so a decision basis for a provider.
Online construction financing brokerage: more personal than you think
Many online construction financiers do not have branches. The exchange is only possible online or by phone. That sounds impersonal? But it does not have to be. A reputable broker is not a call center. But an expert with extensive construction financing expertise, which accompanies you throughout the entire process. So you will be attended competently from the beginning to the end, because your personal expert knows and accompanies your case exactly.
From our point of view, an essential criterion for your selection: only online construction financing intermediaries that guarantee you a personal advisor should be included in your choice. Because you need a trusted person who knows your personal wishes and options, who is precisely informed about every step, and who also always acts in your best interest when it comes to bank selection and bank communication. Only with this individual service can we make you the tailor-made and therefore the best offer.
Even if the loan is signed and your loan is approved, your personal accedo expert will continue to look after you. Important for a new building, because here the loan is transferred at different times in installments. But when it comes to follow-up financing in 10, 15 or 20 years, it also makes perfect sense for the online mortgage lender to be intimately familiar with your initial loan.
Online construction financing: free and cheaper than at your local bank?
Serious construction financing mediators such as accedo work for you free of charge. Because the intermediary has already included the commission in the offer. Accedo receives this commission with your signature from the financing bank. Your advantage: accedo is interested in making you the best offer, so that you close the deal. In addition, the interest rate offered is often more favorable than the one you would receive from the bank on a regular basis.
The more favorable interest rate, despite the inclusion of commission, results from the fact that online mortgage brokers receive better conditions than "normal" private customers. This is because banks offer better conditions to intermediaries who take large quotas. How to benefit from this volume advantage. And at the same time have the security that you are accompanied by proven construction financing experts through the financing process. In addition, with accedo you enjoy guaranteed bank independence. Because it is not bound to any bank internal specifications.
If you choose a construction financing brokerage, you do not have to negotiate directly with banks
Accedo takes over the search for the best financing partner for you. In addition, accedo negotiates your construction financing contract directly with the bank. It also accompanies you through the entire financing process, until the disbursement is with you on the account is. This way you have the security and guarantee of actually finding the best offer tailored to your possibilities.
Since real estate financing often also consists of various loan components (e.G. B. State-subsidized loans, annuity loans and possibly building savings contract) and therefore also belong to the most complex credit products, it is more than sensible to be accompanied by experts who know exactly what is important. For this reason alone, you are in the best hands with accedo.
Construction financing online is the alternative to the house bank. Free of charge, independent of banks, personalized. And inexpensive to the tailor-made loan.