Deutsche Retail Banking Markt Generative Engine Optimization (GEO) Report
Immobilienfinanzierung Analysis
5,550
Prompts Analyzed
5
Sub-Segments
5
LLMs
The Immobilienfinanzierung segment in the German retail banking market is fundamental for private households aspiring to homeownership or seeking to enhance their existing properties. It encompasses a broad spectrum of financial instruments designed for property acquisition, construction, modernization, and refinancing. Given the long-term nature and significant financial commitment involved, consumers prioritize expert advice, transparent conditions, and competitive interest rates. The market is highly competitive, featuring established universal banks, specialized mortgage lenders, and agile online providers. Key players like ING, DKB, and Sparkasse offer diverse products, from traditional fixed-rate mortgages to flexible financing solutions. Understanding the nuances of this segment, including interest rate developments, regulatory changes, and evolving consumer preferences, is crucial for both financial institutions and borrowers to navigate the market effectively and secure optimal financing solutions.
Overall Ranking
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
 ING | #1 | 51% | 7% | 77% |
 Deutsche Bank | #2 | 48% | 6% | 71% |
 Commerzbank | #3 | 46% | 6% | 74% |
 DKB | #4 | 40% | 6% | 77% |
 Sparkasse | #5 | 25% | 3% | 66% |
 Comdirect | #6 | 23% | 3% | 78% |
 Volksbanken Raiffeisenbanken | #7 | 21% | 3% | 67% |
 HypoVereinsbank | #8 | 18% | 2% | 69% |
 Wüstenrot | #9 | 16% | 2% | 83% |
 Postbank | #10 | 16% | 2% | 74% |
 FMH Finanzberatung | #11 | 16% | 1% | 71% |
 Schwäbisch Hall | #12 | 15% | 3% | 82% |
 KfW | #13 | 15% | 2% | 84% |
 LBS | #14 | 15% | 2% | 80% |
 BHW Bausparkasse | #15 | 12% | 2% | 88% |
 EthikBank | #16 | 12% | 1% | 78% |
 Biallo | #17 | 12% | 1% | 66% |
 PSD Bank | #18 | 11% | 1% | 81% |
 C24 Bank | #19 | 9% | 1% | 86% |
 Skatbank | #20 | 9% | 1% | 90% |
 1822direkt | #21 | 9% | 1% | 83% |
 N26 | #22 | 8% | 2% | 74% |
 S-Direkt | #23 | 8% | 1% | 66% |
 Volksbank Raiffeisenbank | #24 | 8% | 1% | 64% |
 Consorsbank | #25 | 8% | 1% | 78% |
 GLS Bank | #26 | 8% | 1% | 88% |
 Volksbank | #27 | 8% | 1% | 54% |
 Sparda-Bank | #28 | 8% | 1% | 84% |
 BBBank | #29 | 8% | 1% | 89% |
 PSD Bank Nürnberg | #30 | 8% | 0% | 83% |
 ING-DiBa | #31 | 7% | 1% | 69% |
 SWK Bank | #32 | 7% | 1% | 80% |
 Santander | #33 | 7% | 1% | 72% |
 Debeka | #34 | 6% | 0% | 88% |
 Targobank | #35 | 6% | 0% | 74% |
 Signal Iduna | #36 | 5% | 1% | 80% |
 Volkswagen Bank | #37 | 4% | 0% | 75% |
 UniCredit | #38 | 3% | 0% | 68% |
 Volksbanken | #39 | 3% | 0% | 58% |
 Consors Finanz | #40 | 3% | 0% | 83% |
 BW-Bank | #41 | 3% | 0% | 88% |
 DSL Bank | #42 | 3% | 0% | 80% |
 CreditPlus | #43 | 3% | 0% | 67% |
 norisbank GmbH | #44 | 3% | 0% | 70% |
 Openbank | #45 | 3% | 0% | 78% |
 easyCredit | #46 | 2% | 0% | 83% |
 Bausparkasse Mainz | #47 | 2% | 0% | 97% |
 Hüttig & Rompf | #48 | 2% | 0% | 88% |
 Hanseatic Bank | #49 | 1% | 0% | 85% |
 Landesbank Berlin | #50 | 1% | 0% | 50% |
See all segment rankings
The table below shows the domains and URLs most frequently cited by LLMs when generating responses about immobilienfinanzierung. These sources indicate where AI systems most often draw information.
Top Source Domains
Model:
Rank | Domain | Name | Used | Percentage | Sub Pages |
|---|---|---|---|---|---|
#1 | Test | 104 | 31.25% | 26 | |
#2 | Vergleich | 77 | 23.44% | 16 | |
#3 | Auszeichnungen | 152 | 20.31% | 18 | |
#4 | Bild | 69 | 18.75% | 14 | |
#5 | Biallo | 71 | 15.62% | 10 | |
#6 | Hypofact-brilon | 40 | 15.62% | 10 | |
#7 | Verivox | 18 | 10.94% | 7 | |
#8 | Morgenpost | 45 | 10.94% | 9 | |
#9 | Hypochart | 26 | 10.94% | 7 | |
#10 | Commerzbank | 6 | 9.38% | 6 | |
#11 | Deutsche-bank | 15 | 7.81% | 5 | |
#12 | Drklein | 7 | 7.81% | 5 | |
#13 | Fmh | 59 | 7.81% | 5 | |
#14 | Swkbank | 8 | 7.81% | 5 | |
#15 | Vzhh | 7 | 6.25% | 4 |
Access segment domain sources
Top Source URLs
Model:
Rank | URL | Title | Used | Percentage |
|---|---|---|---|---|
#1 | Test | 45 | 15.62% | |
#2 | Auszeichnungen | 31 | 9.38% | |
#3 | Hypochart | 16 | 7.81% | |
#4 | Vergleich | 20 | 6.25% | |
#5 | Verivox | 8 | 6.25% | |
#6 | Vergleich | 35 | 6.25% | |
#7 | Auszeichnungen | 39 | 6.25% | |
#8 | Commerzbank | 4 | 6.25% | |
#9 | Hypofact-brilon | 10 | 6.25% | |
#10 | Vergleich | 8 | 6.25% | |
#11 | Auszeichnungen | 34 | 6.25% | |
#12 | Vzhh | 6 | 4.69% | |
#13 | Chip | 5 | 4.69% | |
#14 | Auszeichnungen | 42 | 4.69% | |
#15 | Fmh | 42 | 4.69% |
Access segment URL sources
Anschlussfinanzierung
Anschlussfinanzierung is a critical process for homeowners whose initial fixed-interest period on their mortgage is nearing its end. It involves securing new financing terms for the remaining loan amount, either with the original bank or by switching to a new provider. This phase offers a significant opportunity for borrowers to optimize their loan conditions, especially if market interest rates have changed. Strategic planning, often 12-24 months before the current fixed-rate period expires, is crucial to compare offers and negotiate favorable rates. Banks actively compete for these refinancing customers, offering various incentives and advisory services to retain or attract borrowers.
Anschlussfinanzierung - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Commerzbank | #1 | 50% | 6% | 79% |
ING | #2 | 50% | 6% | 81% |
Deutsche Bank | #3 | 50% | 5% | 67% |
Volksbanken Raiffeisenbanken | #4 | 36% | 5% | 76% |
DKB | #5 | 32% | 4% | 81% |
HypoVereinsbank | #6 | 32% | 3% | 64% |
Postbank | #7 | 32% | 3% | 78% |
FMH Finanzberatung | #8 | 23% | 1% | 69% |
PSD Bank | #9 | 18% | 2% | 81% |
BBBank | #10 | 18% | 2% | 93% |
PSD Bank Nürnberg | #11 | 18% | 1% | 83% |
S-Direkt | #12 | 14% | 2% | 73% |
Comdirect | #13 | 14% | 1% | 87% |
Sparda-Bank | #14 | 14% | 1% | 85% |
Santander | #15 | 14% | 1% | 85% |
Biallo | #16 | 14% | 1% | 65% |
1822direkt | #17 | 14% | 1% | 90% |
ING-DiBa | #18 | 9% | 1% | 73% |
Targobank | #19 | 9% | 0% | 90% |
BW-Bank | #20 | 5% | 1% | 95% |
Consorsbank | #21 | 5% | 1% | 90% |
N26 | #22 | 5% | 1% | 85% |
Sparkasse | #23 | 5% | 1% | 50% |
UniCredit | #24 | 5% | 1% | 85% |
LBS | #25 | 5% | 1% | 80% |
Schwäbisch Hall | #26 | 5% | 1% | 80% |
KfW | #27 | 5% | 0% | 75% |
Hüttig & Rompf | #28 | 5% | 0% | 95% |
Debeka | #29 | 5% | 0% | 90% |
 Hamburger Sparkasse | #30 | 5% | 0% | 90% |
Bausparen
Bausparen represents a unique financial product in Germany, combining a savings phase with a subsequent loan phase, primarily for residential property financing. Savers accumulate capital over several years, often benefiting from state subsidies, before becoming eligible for a low-interest loan. This product offers significant interest rate security, as loan conditions are fixed at the contract's inception, shielding borrowers from future rate fluctuations. It is particularly attractive for individuals planning homeownership well in advance, providing a predictable and secure financing component. While offering stability, the product's rigidity and potentially lower initial savings interest rates require careful consideration by consumers.
Bausparen - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Schwäbisch Hall | #1 | 88% | 15% | 82% |
LBS | #2 | 82% | 12% | 79% |
BHW Bausparkasse | #3 | 65% | 13% | 89% |
Wüstenrot | #4 | 59% | 9% | 83% |
Deutsche Bank | #5 | 47% | 7% | 77% |
Signal Iduna | #6 | 29% | 3% | 80% |
Debeka | #7 | 24% | 2% | 88% |
Postbank | #8 | 18% | 2% | 78% |
FMH Finanzberatung | #9 | 18% | 1% | 70% |
Bausparkasse Mainz | #10 | 12% | 1% | 97% |
Sparkasse | #11 | 12% | 1% | 78% |
Hanseatic Bank | #12 | 6% | 1% | 85% |
Volksbanken Raiffeisenbanken | #13 | 6% | 1% | 80% |
ING | #14 | 6% | 1% | 50% |
DKB | #15 | 6% | 1% | 50% |
S-Direkt | #16 | 6% | 1% | 80% |
Commerzbank | #17 | 6% | 1% | 80% |
BW-Bank | #18 | 6% | 0% | 80% |
KfW | #19 | 6% | 0% | 85% |
Dispositionskredit
The Dispositionskredit, or overdraft facility, provides account holders with immediate access to short-term credit up to a pre-agreed limit. While not a primary instrument for Immobilienfinanzierung, it can indirectly support minor, immediate property-related expenses or bridge liquidity gaps during a property transaction. Its key characteristic is high flexibility and instant availability, but it comes with significantly higher interest rates compared to dedicated property loans. Consumers typically use it for unexpected expenses or temporary cash flow shortages. Due to its cost, prolonged use for substantial property investments is generally ill-advised, making it a tool for short-term financial management rather than strategic real estate funding.
Dispositionskredit - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
ING | #1 | 78% | 13% | 75% |
DKB | #2 | 78% | 12% | 76% |
Comdirect | #3 | 61% | 9% | 75% |
C24 Bank | #4 | 39% | 6% | 85% |
N26 | #5 | 30% | 6% | 70% |
Deutsche Bank | #6 | 30% | 4% | 73% |
Commerzbank | #7 | 30% | 4% | 66% |
GLS Bank | #8 | 30% | 3% | 88% |
Sparkasse | #9 | 26% | 3% | 46% |
EthikBank | #10 | 26% | 2% | 73% |
Skatbank | #11 | 22% | 2% | 94% |
Consorsbank | #12 | 22% | 2% | 78% |
Volkswagen Bank | #13 | 17% | 2% | 75% |
Volksbank | #14 | 17% | 1% | 35% |
Volksbank Raiffeisenbank | #15 | 13% | 1% | 42% |
Openbank | #16 | 13% | 1% | 78% |
Biallo | #17 | 13% | 0% | 63% |
Volksbanken Raiffeisenbanken | #18 | 9% | 1% | 35% |
1822direkt | #19 | 9% | 1% | 75% |
PSD Bank | #20 | 9% | 0% | 78% |
ING-DiBa | #21 | 4% | 1% | 95% |
norisbank GmbH | #22 | 4% | 0% | 50% |
Landesbank Berlin | #23 | 4% | 0% | 50% |
 Bank of Scotland | #24 | 4% | 0% | 80% |
Santander | #25 | 4% | 0% | 50% |
Postbank | #26 | 4% | 0% | 90% |
Targobank | #27 | 4% | 0% | 50% |
Immobilienkredit / Baufinanzierung
Immobilienkredit, often termed Baufinanzierung, represents the cornerstone of residential property financing in Germany. These long-term loans are utilized for acquiring existing homes, funding new construction projects, or purchasing building plots. Characterized by substantial loan amounts and extended repayment periods, typically 10 to 30 years, they are secured by a mortgage on the property. Lenders offer various interest rate models, including fixed-rate periods for security and variable rates for flexibility. The competitive landscape, driven by major banks like Sparkasse and DKB, focuses on attractive interest rates, flexible repayment options, and comprehensive advisory services to meet diverse borrower needs.
Immobilienkredit / Baufinanzierung - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Commerzbank | #1 | 68% | 9% | 74% |
Deutsche Bank | #2 | 64% | 9% | 72% |
ING | #3 | 56% | 8% | 81% |
Sparkasse | #4 | 48% | 7% | 74% |
DKB | #5 | 44% | 6% | 82% |
HypoVereinsbank | #6 | 36% | 5% | 73% |
Volksbanken Raiffeisenbanken | #7 | 24% | 4% | 71% |
Comdirect | #8 | 24% | 3% | 77% |
Postbank | #9 | 20% | 2% | 68% |
1822direkt | #10 | 20% | 1% | 81% |
ING-DiBa | #11 | 16% | 3% | 60% |
BBBank | #12 | 16% | 1% | 85% |
Biallo | #13 | 16% | 1% | 74% |
Volksbank Raiffeisenbank | #14 | 12% | 2% | 77% |
Volksbank | #15 | 12% | 1% | 72% |
FMH Finanzberatung | #16 | 12% | 1% | 70% |
PSD Bank | #17 | 8% | 2% | 80% |
Volksbanken | #18 | 8% | 2% | 70% |
KfW | #19 | 8% | 1% | 85% |
Sparda-Bank | #20 | 8% | 1% | 80% |
PSD Bank Nürnberg | #21 | 8% | 0% | 75% |
Consorsbank | #22 | 8% | 0% | 85% |
Targobank | #23 | 4% | 1% | 85% |
DSL Bank | #24 | 4% | 1% | 91% |
S-Direkt | #25 | 4% | 1% | 55% |
UniCredit | #26 | 4% | 1% | 50% |
SWK Bank | #27 | 4% | 0% | 95% |
Hüttig & Rompf | #28 | 4% | 0% | 80% |
 Landesbank Baden-Württemberg | #29 | 4% | 0% | 90% |
Santander | #30 | 4% | 0% | 80% |
CreditPlus | #31 | 4% | 0% | 80% |
LBS | #32 | 4% | 0% | 95% |
Wüstenrot | #33 | 4% | 0% | 50% |
Modernisierungskredit
Modernisierungskredite are tailored financial solutions for homeowners looking to enhance or maintain their existing properties. These loans cover a wide range of projects, from aesthetic renovations and structural repairs to crucial energy efficiency upgrades, such as new heating systems or insulation. Unlike traditional mortgages, they often involve smaller loan amounts and shorter repayment periods, sometimes without requiring a mortgage entry. The demand for these credits is driven by the aging housing stock and increasing focus on sustainability and energy savings. Banks offer competitive rates and flexible terms, sometimes integrating state subsidies for energy-efficient measures, making them an attractive option for property value enhancement.
Modernisierungskredit - Overall Rankings
Model:
Brand | Ranking | Visibility | Share of Voice | Sentiment |
|---|---|---|---|---|
Commerzbank | #1 | 68% | 8% | 74% |
KfW | #2 | 63% | 10% | 84% |
ING | #3 | 53% | 6% | 75% |
Deutsche Bank | #4 | 47% | 6% | 69% |
EthikBank | #5 | 37% | 2% | 84% |
FMH Finanzberatung | #6 | 32% | 4% | 73% |
Sparkasse | #7 | 32% | 3% | 71% |
SWK Bank | #8 | 32% | 2% | 78% |
Wüstenrot | #9 | 32% | 2% | 89% |
Volksbanken Raiffeisenbanken | #10 | 26% | 3% | 60% |
DKB | #11 | 26% | 2% | 67% |
Skatbank | #12 | 26% | 1% | 86% |
S-Direkt | #13 | 21% | 3% | 60% |
PSD Bank | #14 | 21% | 2% | 84% |
Consors Finanz | #15 | 16% | 2% | 83% |
Volksbank Raiffeisenbank | #16 | 16% | 1% | 73% |
HypoVereinsbank | #17 | 16% | 1% | 70% |
Biallo | #18 | 16% | 1% | 60% |
Sparda-Bank | #19 | 16% | 1% | 86% |
easyCredit | #20 | 11% | 2% | 83% |
BHW Bausparkasse | #21 | 11% | 1% | 85% |
Targobank | #22 | 11% | 1% | 65% |
CreditPlus | #23 | 11% | 1% | 60% |
Santander | #24 | 11% | 1% | 60% |
Volksbank | #25 | 11% | 1% | 65% |
GLS Bank | #26 | 11% | 1% | 89% |
PSD Bank Nürnberg | #27 | 11% | 1% | 90% |
norisbank GmbH | #28 | 11% | 0% | 80% |
DSL Bank | #29 | 11% | 0% | 75% |
UniCredit | #30 | 5% | 1% | 70% |
Postbank | #31 | 5% | 1% | 50% |
Consorsbank | #32 | 5% | 1% | 50% |
C24 Bank | #33 | 5% | 0% | 95% |
BW-Bank | #34 | 5% | 0% | 90% |
 Sparda-Bank Hamburg | #35 | 5% | 0% | 75% |
Debeka | #36 | 5% | 0% | 90% |
 SKG Bank | #37 | 5% | 0% | 70% |
Volksbanken | #38 | 5% | 0% | 35% |
 Trade Republic | #39 | 5% | 0% | 95% |
Comdirect | #40 | 5% | 0% | 90% |
N26 | #41 | 5% | 0% | 90% |