Our calculators for your financing

In the course of your life, you will have to make several large purchases that are not always easy to realize on your own. Whether you need a new car, want to fulfill your long-awaited dream of owning your own home, or want to finance your studies – KVB finanz is the right partner for you. We are your financial service provider with fair conditions. We are particularly concerned that you feel comfortable with our financing offer. Buying a house or a car is a significant step. For this reason, trust and security have top priority. We look back on over 40 years of experience in the financing industry. The KVB-finanz stands for competence and quality – see for yourself.

You would like to take out a loan at favorable interest rates or reschedule your debt? For some time now, you have had the desire to buy or build your own home, which offers you endless possibilities? We advise you on various financing options and work with you to find the best solution for your project.

Our calculators for your financing

Our calculators for your financing

Our calculators for your financing

Whether it’s a single-family home or a condominium in the city: with construction financing from KVB-finanz, your dreams of living will come true!

Pay double and triple interest as well? With us, you can combine your expensive loans into one favorable financing arrangement!

You want to fulfill your dreams?
We are happy to help you find the right loan for you!

the offer corresponds to the representative example according to §6a, paragraph 4 pangv and is valid for the credit amount of 8.EUR 000 for a term of 120 months to new customers. Unchangeable target interest rate from 1.97 %. Minimum and maximum repayment period: 12- 144 months. Monthly. installment: 73,50 €. A maximum effective annual interest rate of 4.9% applies for 2/3 of the customers. Creditworthiness assumed. Status: 12/2021

fulfill your dream of real estate and save cleverly with the construction financing of KVB-finanz

Whether you want to buy a property, build a new one, renovate, refurbish or modernize – with construction financing tailored to your individual needs, anything is possible. You can do whatever you like within your own four walls. You are independent of a landlord and rising rents, and you are free to design your own home. What’s more, investing in your own home is worthwhile for the future. Favorable financing helps you to be debt-free by the time you reach retirement age. A house or a purchased apartment is also a worthwhile financial investment.

Real estate financing offers you a wide range of options:

  • Home financing
    a house can be financed with and without Financing your own capital. However, if you cannot raise your own funds, it becomes more expensive and risky. By borrowing the entire amount from one bank, you increase the risk for the lender. That is why he charges higher interest rates, to be on the safe side. you have the possibility to apply for subsidies. In particular, the kfw (Kreditanstalt fur Wiederaufbau), the state and your respective federal state grant favorable loans, in addition to or as a substitute for equity capital. Depending on what you prefer in your home financing, you can commit to a certain interest rate (fixed interest rate) and pay off your loan more quickly with the help of a special repayment. Spontaneous inheritances or tax refunds can be used flexibly for loan repayments. Whether you choose an annuity loan, a fully amortized loan or a variable loan is entirely up to you.
  • follow-up financing and forward loan
    Follow-up financing is the continuation of construction financing. If, for example, your fixed interest rate expires after 10-15 years, but the loan has not yet been fully repaid, a new loan is taken out. With this you pay off your remaining debt. Forward loan translated means advance loan. It is a type of follow-up financing and very popular with borrowers. you can close the loan up to five and a half years before your loan expires. The special thing about this is that you can secure the low interest rate in the present. This way you protect your wallet from rising interest rates in the future.

Debt restructuring is worthwhile

You can apply the principle of debt restructuring in different areas. Whether you want to reschedule individual loans or all your loans at once – you decide. But what does a debt restructuring actually mean? In simple terms, you can switch banks when your fixed-interest period expires and repay your loan with another lender – ideally at a lower interest rate. If your current bank makes you a good offer, you can also reschedule with the same company. KVB Finanz is of course at your side when it comes to rescheduling or changing your debt.

There are several benefits for you through a debt restructuring:

  1. You will be relieved financially.
  2. You are able to pay off your loan more quickly with the same installment amount. More favorable interest rates reduce your financial burden. For this reason, we always recommend that you reschedule a loan.
  3. By recommitting to a favorable interest rate, you repay at favorable terms even if interest rates rise.
  4. If you repay several loans at the same time, you can quickly lose track of them all. However, you have the option of combining different payments. you can concentrate on paying off one sum at a time.
  5. rescheduling loans also increases your credit rating. Your schufa score improves, since only one loan is still in your name.
  6. Depending on whether you want to reschedule an installment loan or your home financing, there are some differences. With an installment loan, the conditions can be changed very easily. By taking out a home loan, you commit yourself to a bank by locking in the interest rate for several years. You can often only terminate the contract after 10 years with a six-month period or negotiate an early termination.

Loans from KVB-finanz: favorable and fair

With us, you will find the right loan for your project and your current financial situation. Whether installment loans, car or home loans, loans for civil servants, loans for pensioners or without schufa – with us at your side, you can make your dreams come true. We take care of a favorable financing for you.

A selection of different credit options:

  • Installment loan
    the most popular form of credit is the installment loan. If you can’t pay for a new car or your next vacation right away, it’s worth paying off in monthly installments. This is how your account is relieved and you still don’t have to do without anything. the beauty of an installment loan is the planning security. They know exactly how long and how much money they have to budget each month for repayments.
  • car and home loans
    these forms of installment credit are earmarked for a specific purpose. This means: you use the money from the bank only for the purchase of a car or repairs or for a new kitchen. It’s entirely up to you. In this way, you can make smaller purchases and household chores in no time at all.
  • Civil servant loan
    civil servants or public sector employees are particularly popular with banks as borrowers. the reason is a secure job and a steady income. Since the lender rewards this security, civil servants receive the credit or loan at particularly advantageous conditions.

You can find even more information about the different types of loans here

Simply fill out our callback form and our loan experts will get back to you as soon as possible.

credit experts with a family tradition – your partner since 1974

With branches all over germany, we are also close to you. Contact us by phone and arrange an appointment with your expert – in one of our branches or at your home. Whenever you wish.

call free of charge 0800 / 59 49 596 or

Since its founding in 1974, KVB-finanz has had one overriding goal: to create the ideal financing concept, tailored to the individual needs and situation of our customers.

We help you to realize your dreams in a simple and fast way& wise. KVB-finanz focuses on our customers. Responsible, professional, with fair conditions and everything sustainable. To this end, we work closely with more than 30 banks in Germany. KVB-finanz is the right address for anyone who wants individual and customized financing.

Udo Kloetzel

Ute Kloetzel

Miriam Kloetzel-Fay

Marc Kloetzel

Tobias Kloetzel

Markus Fay

Happy new 2022 year Elegant text with light effects

Who can look forward to more money in 2022??

The year 2022 should bring many financial improvements. citizens can look forward to pension increases, higher minimum wages and tax relief. The following eight changes will be introduced in 2022.


There is hardly a bigger investment in life than buying your own home. So it’s no wonder that for many people this project is one of the most expensive and longest investments in their lives. We explain to you the things you need to pay attention to when buying real estate and show you how to make the right choice.


In many German cities, housing is becoming more and more expensive. For this reason, more and more people get into financial difficulties. But who is particularly affected?

Baukindergeld: support for families with children

The most current form of support for the purchase or construction of a house is the building subsidy the kfw. Since september 2018, you can claim the state subsidy for families with child. Due to many financial burdens, a young family is not always in a position to save up capital to buy a house/flat. So that you don’t have to do without a home of your own, you can receive up to 1.receive 200 euro per year for construction financing.

The receipt of the construction subsidy is subject to various conditions:

  • You have bought your property from 01.01.bought or built in germany in 2018.
  • You live in the house yourself.
  • You do not own any other property.
  • your child/children is/are under 18 years and gets/get child benefit.
  • the annual taxable income is maximum 90.000 euro with one child. The amount increases for each child.

If you meet these requirements, you can look forward to a subsidy for your financing. over a period of 10 years, you will receive 12.000 euro.

This is why KVB-finanz is your trusted financial service provider

The KVB-finanz is a family business, already looking back on more than 45 years of experience. KVB is a family business that you can rely on. Buying real estate and building a house is an important step in your life. We support you along the way and ensure that the installment amount is compatible with your budget. With a tailor-made financing plan, the company takes care that you do not overstretch yourself and that your wishes are not neglected. Because satisfied customers are a special matter of the heart for us. We always strive to get the best for you and your plans. the family business cooperates with over 70 banks. This guarantees you an individual and fair financing.

In the areas construction financing, loans and debt rescheduling, KVB-finanz is your expert. With 15 branches throughout germany, you are guaranteed to find us near you. Whether in rostock, dresden, nuremberg, frankfurt or saarbrucken – our competent employees will take care of your concerns. If you can not visit us on the spot, you can reach us conveniently by phone 7 days a week. If you finally want to take the first step towards home ownership, car ownership, home furnishing or debt restructuring, let us advise you and take care of your needs!

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