Debeka Bausparkasse Aktiengesellschaft Sitz Koblenz am Rhein products, services and reviews

About Debeka Bausparkasse Aktiengesellschaft Sitz Koblenz am Rhein

Debeka Bausparkasse AG, headquartered in Koblenz am Rhein, is a German building society within the Debeka group and operates as a licensed credit institution under the German Banking Act and the Building Societies Act, supervised by BaFin and the Deutsche Bundesbank. Its core business comprises Bauspar contracts that combine a savings phase with an option for a later fixed-rate housing loan, along with related residential financing such as modernization and bridging loans; eligibility for government incentives (e.g., Wohnungsbauprämie and Arbeitnehmer-Sparzulage) depends on statutory criteria and intended residential use. Product conditions typically include a contract fee at inception, ongoing account-related charges, fixed interest on savings, a predefined borrowing rate for the loan option, and allocation based on minimum savings and a provider-specific evaluation metric; early termination, changes to the target sum, or deviations from planned savings can affect costs, allocation timing, and benefits. Lending is generally secured by German residential real estate via land charges, with affordability and collateral checks aligned to applicable prudential requirements; disbursement is tied to verified residential purposes. Savings balances are subject to the German statutory deposit guarantee up to the legal limit per depositor, while tariff interest rates and fees for new contracts are published in the price list and terms (ABB) and may change for future business. Distribution primarily runs through Debeka’s tied sales force and service offices, complemented by remote channels; customer service and processing times depend on documentation quality, valuation needs, and capacity. The institution’s risk profile is concentrated in German residential financing with limited trading activity; liquidity management relies on the collective Bauspar system and, where needed, capital market refinancing. Debeka Bausparkasse publishes audited annual financial statements and regulatory disclosures and is not publicly listed; it is integrated into the Debeka insurance and financial services group based in Koblenz.