Bankenunabhängig · Karlsruhe & Idstein · nationwide
Your own home is closer than you think.
In person in Karlsruhe and Rhein-Main-Gebiet and nationwide through our partners. By phone, on site or via web meeting, evenings and weekends too. Because home is more than four walls.
4.98 / 5 from 1,550 reviews · KennstDuEinen.de
We compare rates from over 600 banks & insurers
The difference
Your bank or Zinskonzept?
One bank shows you its offer. We compare many and build your concept from them.
Banks compared
Your bank
Zinskonzept
Subsidies (KfW & regional)
Your bank
Zinskonzept
Residual debt & follow-up
Your bank
Zinskonzept
Dedicated contact
Your bank
Zinskonzept
Available evenings & weekends
Your bank
Zinskonzept
Cost to you
Your bank
Zinskonzept
Why Zinskonzept is the right partner at your side
We combine bank-independent bank comparison, smart subsidy strategies and personal guidance into one clear concept, so you finance with certainty and a plan.
We compare many banks, not just one, bank-independent and bank-neutral.
Subsidies included: KfW programmes and regional grants integrated from the start.
Every financing is built around a manageable rate and predictable residual debt.
Personal, from Karlsruhe: no call centre, one dedicated contact, evenings too.
It's this simple
Financing confirmation in 3 steps
- Schritt 1
Submit a request
A few details about your plans, online in minutes.
- Schritt 2
Share your data
We check your options with the right bank.
- Schritt 3
Receive confirmation
You receive your financing confirmation, a strong argument when buying.
lenders compared, instead of a single house bank.
Our promise
Residual debt is normal. Having a plan for it isn't.
A cheap rate alone won't get you to the finish line. We build a thought-through financing concept with the right bank and strategically include subsidies such as KfW grants and subordinated loans, so there's no nasty surprise at the end.
Request my financing conceptQuick request · 2 minutes
Non-binding financing request
Just a few short questions for an instant first assessment. We'll get in touch personally, for the full financing confirmation you complete your self-disclosure afterwards.
- Instant assessment, no waiting
- 100% non-binding & free
- Personal reply from Karlsruhe
Investment or own home?
Your starting point
Which type of client are you?
Free & instant
Free calculators
Use them right here: no redirect, no sign-up.
Availability
How we advise you
By phone, in person or via web meeting, evenings and weekends too.
Phone consultation
Fast and easy, early mornings and late evenings too.
In person on site
At our office at Kriegsstraße 240, Karlsruhe.
Web meeting
Share screens, calculate together, wherever you are.
How to secure the best rate, concept over cheap interest.
von ZinskonzeptThe Zinskonzept financing guide
Concise and practical: how to compare banks, integrate subsidies and keep your rate affordable. Free PDF straight to your inbox.
No spam. Unsubscribe any time.
Bankenunabhängig · Karlsruhe & Idstein · nationwide
Partnership among equals, with no franchise fee.
Whether you broker financing yourself or sell property: we provide platform access, fair commissions and fast financing confirmations and stay practitioners, not a head office.
- No franchise fee
- No sales targets
- 4 platform accesses
We compare rates from over 600 banks & insurers
Two paths
How do we work together?
You broker financing yourself or you sell property and need a reliable financing partner. Both work.
Sales partner
You advise clients yourself and want better terms? Use our platform access and the network's bundled commission, with no franchise fee.
- Europace, Baufinex, Prohyp & Forum
- No franchise fee, no sales targets
- Also possible as a referrer without §34i
Business partner
You sell property? We handle your clients' financing, fast financing confirmation as a sales accelerator.
- Financing confirmation within days
- Transparent commission per case
- Co-branding / white-label possible
Your advantages
Why professionals close with us
Platform access
Europace, Baufinex, Prohyp and Forum, plus direct-submission advantages at many banks.
Top commissions
Above-average pay through volume bundling across the network.
Full independence
No franchise fee, no sales targets, no non-compete clause.
Fast confirmation
Financing certainty for your clients, a shorter path to the notary appointment.
Support & training
Personal hands-on support plus webinars and further education.
A fair model
We live off our own retail business, not off our partners' margins.
The difference
Franchise pool or Zinskonzept?
We earn from our own retail business, not from our partners' margins. That changes the terms.
Franchise fee
Typical pool
Zinskonzept
Sales targets
Typical pool
Zinskonzept
Platform access
Typical pool
Zinskonzept
Non-compete clause
Typical pool
Zinskonzept
Point of contact
Typical pool
Zinskonzept
Business model
Typical pool
Zinskonzept
How it works
Three steps to partnership
- Schritt 1
Get to know us
A short conversation: what you do today, where you want to go. No sales pitch, practitioner to practitioner.
- Schritt 2
Access & onboarding
We unlock platforms, agree commission and support your first cases.
- Schritt 3
Ongoing business
A dedicated contact, training and backing, permanently, not just at the start.
product & cooperation partners in the network.
For the property industry
Certainty sells.
Buyers who know early that financing is in place act more decisively. We deliver the financing confirmation. You shorten the path to the notary appointment.
Become a business partnerAgents, developers & house building
More closings, less effort
Sales accelerator
Early financing certainty shortens the path to the notary appointment.
Relieve your sales team
We handle the financing, your team sells.
Transparent commission
Traceable accounting for every referred case.
Co-branding / white-label
Optionally under your brand, seamless in your sales process.
Dedicated contact
A regional practitioner instead of an anonymous hotline.
Fewer deals falling through
Financing rejections surface early, not right before the appointment.
Trusted
Thousands of happy homeowners
Real voices, on video
Clients share how their financing went.
„A concept, not just a cheap rate, exactly right for us.“
„Forward loan secured in time, stress-free.“
„Fast financing confirmation, a real deal accelerator.“
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Your team in Karlsruhe
Your team in Karlsruhe
Behind Zinskonzept are people who treat mortgage advice as a craft: personal, bank-independent and genuinely invested in your home. No call centre, no hold music: you talk straight to your advisor.
- Personal advice from Karlsruhe: Kriegsstraße 240
- Bank-independent & neutral · Premium Partner Baufi
- Available evenings and weekends too
Get our free newsletter
Current rate trends, new subsidy programmes and concrete financing tips, regularly to your inbox.
Ready?
Your home starts with the right concept.Partnership starts with an honest conversation.
Non-binding, free and personal from Karlsruhe, evenings and weekends too.