The ImmoGarant –
the best of both worlds!
The ImmoGarant product is the latest member of the “Immo family” of Berlin Hyp AG. It seamlessly follows on from its predecessor product ImmoAval, in which it takes up its basic structure – participation in a loan syndicate per guarantee.
While in ImmoAval the German savings bank participates in the syndicate through liability, with ImmoGarant it is the other way round. BerlinHyp participates in the syndicate with a guarantee of at least 51% of the financing volume; the complete refinancing is provided by the German savings bank.
The objective is to combine the “best of both worlds”: for BerlinHyp, the opportunity to assert itself better in the tough price competition and for the German savings banks the opportunity to generate more new lending and at the same time achieve a disproportionately high outflow of liquidity. An ideal product for savings banks largely driven by customer deposits.
Since both the German savings bank and BerlinHyp belong to the same protection scheme, the German savings bank is completely relieved of Risk/RWA in the amount of the guaranteed amount. .
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