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CommerzCrediet

Loans

Renovation loan

New kitchen, accessible bathroom or heat pump: a renovation loan turns your plans into reality and often increases your property's value.

Calculate & enquire How it works

Key terms at a glance

Loan amount
€2,500 to €1,000,000
Term
12 to 360 months
APR (depending on credit standing)
3.49 % to 12.99 %
Model house and calculator for planning renovation and home improvement costs

Overview

A renovation loan is a purpose-bound instalment loan for renovation, refurbishment and energy-efficiency measures. Up to certain amounts no land charge is usually required – saving time and notary fees.

For energy-efficiency measures, public subsidies such as grants or low-interest loans are worth checking. We check with you whether a subsidy can be combined with your loan.

Key facts

  • For renovation and energy upgrades
  • No land charge up to certain amounts
  • Combination with subsidies can be checked
  • Fixed monthly instalment

Eligibility

  • At least 18 and resident in Germany
  • Regular income
  • Ownership of the property or owner's consent
  • Positive credit check by the bank

Typical documents

  • ID
  • Proof of income
  • Quotes from tradespeople
  • Proof of ownership if required
Via an encrypted upload link sent by your contact – never by unprotected email or messenger.

How it works

  1. 1

    Plan costs

    Get quotes and plan a buffer for the unexpected.

  2. 2

    Send enquiry

    Enter amount and term. Free and non-binding.

  3. 3

    Check subsidies

    We review offers and possible subsidies and explain all costs.

  4. 4

    Renovate

    After signing, the funds are available for your tradespeople.

FAQ

Do I need a land charge?

Usually not for small and medium amounts. For larger sums a mortgage with land charge can be cheaper – we compare both.

Can I combine subsidies?

Often yes. Some programmes must be applied for before work begins, so please clarify this early.

Can tenants renovate?

For work in a rented flat you usually need the landlord's consent. The loan itself depends on your creditworthiness.

What if costs rise?

Plan a buffer of about 10 to 20 percent. Not every bank allows a later top-up.

Calculate & enquire

Adjust amount and term and send your enquiry right away. The financing type is already selected.

Key terms at a glance

Loan amount
€2,500 to €1,000,000
Term
12 to 360 months
APR (depending on credit standing)
3.49 % to 12.99 %

Your loan enquiry

Your loan

Financing type: Renovation loan

€2,500€1,000,000

Term

For example: used car, new kitchen, heat pump

Your situation
Your contact details

For questions about your enquiry

Finish

We never ask for bank details, PINs, TANs or ID copies via a form.

Please note: a loan is a commitment for years. Only borrow what you could repay safely even if your circumstances change. Over-indebtedness can harm your creditworthiness for a long time. Already struggling with payments? Free help is available from recognised debt advice services, e.g. consumer advice centres, Caritas or Diakonie.

Other financing