Directly into your own four walls
- with the right home financing without equity
Buying and financing your own house - this is also possible without equity!
The real estate market is booming. Due to the persistently low interest rates, many now want to fulfill their dream of owning their own four walls and buy a house with cheap real estate financing. But those who have not been able to save enough equity in recent years often have bad cards with their house bank - and the dream of owning a home bursts like a soap bubble. It doesn't have to be! We ensure that you can fulfill your dream of owning your own home even without equity. We work together with special financing partners who enable fair financing of up to 130% of the purchase / ancillary costs even if the equity is lacking, provided that the framework conditions are right. You can find out below which requirements you should meet for full financing.
Full financing with repayment of current installment loans - just a cheap financing rate
Your bank has rejected your financing request due to too many existing loan liabilities? With a targeted rescheduling, we can easily replace current loans and combine them with your real estate financing. We adapt your new financing rate exactly to your financial possibilities, so that in the end you only have to pay a low monthly rate. Often the new financing rate is below the level of the current monthly rent. You are even better off financially than before - and you also invest in your future!
Financing a house without equity - despite new regulations in the residential real estate credit directive
Since the introduction of the residential real estate credit guideline on March 21, 2016, young couples and families who want to realize their dream of owning a home, as well as older people, have found it particularly difficult to find suitable real estate or follow-up financing. Applicants are often rejected despite a good credit rating, as possible risks such as lost work, job loss or death are weighted more heavily than possible positive developments such as salary increases or an upcoming inheritance. It is precisely for these customer groups that we want to pave the way to owning a home and offer them a fair financing solution that is tailored to the customer's financial situation. The decisive factor for us is not whether the customer has a certain amount of equity, but that he is able to service his financing rate without problems.
Specialist in home financing without equity capital - we have 25 years of experience!
The experts at Best Credit , a brand of Hegner & Möller GmbH, can look back on more than 25 years of experience in the real estate financing sector. Since our founding in 1991, we have steadily expanded our partnerships and thus permanently expanded our portfolio. This enables us to offer suitable home financing to customers who have already been rejected by their house bank for various reasons , for example due to a negative Schufa, due to too many current installment loans or due to a lack of equity. We are of the opinion that loan applicants who at first glance do not fit into the narrow criteria of most banks should also receive an adequate financing solution, provided that they are able to service their financing according to our credit check. That's why we look a little deeper behind the scenes and take a close look at each customer's financial situation. In the past, we were able to meet numerous financing requests that had previously been rejected by banks.
Buying a house without equity
- the experts from credit SUN support you with the right financing!
|Monthly rent:||€ 800.00|
| Property purchase price:|
(e.g. house + property)
| Additional purchase costs:|
(Real estate transfer tax, notary, etc.)
|Financing amount:||€ 270,000.00|
|Financing rate:||€ 787.50|
* with 3.5% annuity (e.g. 2% interest + 1.5% repayment)
For house financing, banks often require an equity share of at least 20-30%, so that at least the ancillary purchase costs are covered. But with the right financing partner, buying a house is also possible without equity. The financing rate can be adjusted so that the monthly credit charge is not higher than the previous monthly rent. Often even existing installment loans can be replaced with real estate financing, which significantly reduces the total monthly burden.
Borrowers benefit in several ways: They finally fulfill their dream of owning their own home and can also reduce their running costs.
It's that easy
Fill out the application online
Receipt of loan agreement after telephone consultation
Send the signed credit agreement and documents back to Best Credit
Receive the amount of money you want quickly
In a few steps to home financing without equity:
No upfront costs. Non-binding inquiry. Without risk.
7 reasons for credit SUN
for special target groups
Individually for each applicant
of all loan offers
and without obligation
Satisfied customers - excellent reviews
"Thank you! A very nice, great service. Everything worked out great. I made a refinancing because it was much cheaper for me than at the previous bank (...) "
Jürgen P. from Würzburg
“Ways have been shown to us how we can save a great deal of money by refinancing. Why didn't we do that much earlier (...). "
Carsten G. from Harsefeld
“My total expenses for the repayment have been reduced enormously and I am liquid again. (...) I would go this way again at any time if I had financial problems. "
Michael F. from Berlin