Our customers
Our network of customers consists of professional investors with strong credit ratings from the private and commercial real estate sector in Germany and abroad. In addition to capital investment companies and real estate funds, this includes housing construction companies and cooperatives as well as selected project developers.
Our markets
We focus on strong economic centres in Germany and select regions in Europe and North America. Here, we consistently combine local market expertise with extensive knowledge of the industry as a whole.
Our asset classes
Along with office and commercial buildings, retail properties and residential real estate, we also finance logistics properties and hotels. In addition, we help our customers address ever-increasing demands relating to sustainability, flexibility and innovation.
Our products
In addition to traditional mortgage loans, we offer guarantees and building contractor and development financing. Our ESG products, which can be combined with all financing offers, support the financing of environmentally and socially sustainable properties. Our focus here is on energy-efficient properties and affordable housing. You can also use our services to apply for funding from current programmes offered by the KfW investment and development bank.
Our ESG products
We are committed to sustainability. Thinking and acting sustainably has been strategically embedded into our business processes and many of our products as well. Financial institutions play a key role in the transformation of the economy because they:
… finance the investments that companies and other institutions need to make
… integrate ESG-related opportunities and risks into the evaluation of investments and financing plans
… make sustainable ideas and strategies available to investors
Berlin Hyp therefore seeks to play a major role in efforts to expand the integration of sustainability criteria into real estate financing and investment products. The Sustainable Finance Framework at LBBW provides you with information on our sustainable financing products and the eligibility criteria that need to be met.
Our sustainable financing products include our Green Loans and Social Loans:
Green Loans
Sustainability criteria can be taken into account as early as the design and planning stage when new properties are built. However, the real challenge in terms of sustainability lies in upgrading existing building stocks: making an existing property more sustainable and optimising its energy performance retroactively is a complex undertaking, both in a technical sense and in terms of financing. At the same time, the complete modernisation of existing buildings is one of the most effective climate protection instruments that can be used in the real estate sector.
With suitable product solutions, such as our Energy Efficiency Loan and Taxonomy Loan , we want to help our customers make their business activities more sustainable.
Energy Efficiency Loans are used to finance energy-efficient and environmentally friendly buildings. The eligibility criteria for such loans relate exclusively to the energy efficiency of the properties in question.
Taxonomy Loans are used to finance buildings or construction activities that are aligned with the EU taxonomy. In order to become taxonomy-aligned, a property must meet direct technical eligibility criteria. It must also be confirmed that none of the other five taxonomy environmental objectives are negatively affected (Do-No-Significant-Harm criteria) and that the minimum social requirements (minimum safeguards) are upheld.
Social Loans
Establishing the conditions needed for environmental and social sustainability is one of the global challenges of our time – and one that we can only overcome together. We are aware of the growing relevance of social factors in the real estate industry, and we promote affordable housing in order to support low-income households. This serves to strengthen social cohesion and reduce inequalities.
A Social Loan can be successfully issued if specific eligibility criteria for residential buildings in the “Affordable housing” category in Germany and the Netherlands are fulfilled. In addition, minimum requirements for the energy efficiency of the building in question have to be met, which means this type of loan combines social and environmental aspects in a useful and meaningful way.
Do you have questions?
Our contacts are ready to help.
