Study results: ESG in real estate finance

by | May 9, 2023 | Borrow

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Zusammen mit der Hochschule Fresenius hat Loanboox Real Estate eine Studie zum Thema ESG in der gewerblichen Immobilienfinanzierung durchgeführt. Über 90 Führungskräfte, Finanzierungsspezialisten, Asset- und Investmentmanager und Experten der Branche haben Ende 2022 an dieser Studie teilgenommen. Erhalten Sie hier die Studienergebnisse.

Welche Auswirkungen hat ESG auf die Rendite von Immobilien? Werden nicht-nachhaltige Immobilien künftig an Wert verlieren? Als wie ESG-konform stufen Asset Manager:innen und Finanzierungsexperten:innen ihre Institutionen ein?

Diese und weitere Fragen hat die Hochschule Fresenius in einer Studie zusammen mit Loanboox adressiert.

Am 26.4. wurden die Studienresultate gemeinsam mit FPS in Frankfurt zum ersten Mal vorgestellt. Der Event war bis auf den letzten Platz ausgebucht. Das Thema hat die Real Estate Experten bewegt und zu anregenden Diskussionen geführt. 

Wir haben einige Experten-Aussagen für Sie gesammelt: 

ESG Immobilienfinanzierung
Nachhaltigkeit Immobilienfinanzierung
ESG Studie Immobilienfinanzierung

Sie möchten die Ergebnisse der Studie lesen? 

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komuno und Loanboox Deutschland legen das Kommunalgeschäft auf der komuno-Plattform zusammen

by | Mar 16, 2023 | Borrow

Gewerbliche Immobilienfinanzierung künftiger Schwerpunkt von Loanboox Deutschland

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Frankfurt, 16. März 2023. Die beiden Fintechs komuno und Loanboox Deutschland vereinen ihr Kommunalgeschäft in Deutschland künftig auf der komuno-Plattform. Damit profitieren Kommunen von besseren Vergleichsmöglichkeiten und Konditionen. komuno wird neuer Marktführer bei der Vermittlung von deutschen Kommunalfinanzierungen. Loanboox wird sich künftig in Deutschland auf die gewerbliche Immobilienfinanzierung fokussieren.

Die beiden Fintech-Unternehmen komuno und Loanboox Deutschland haben in den letzten fünf Jahren erfolgreich über 1.000  Kommunen und kommunale Unternehmen auf ihren Finanzierungsplattformen mit 150 institutionellen Kapitalgebern und Banken zusammengebracht, Prozesse vereinfacht und digitalisiert. In Deutschland wurde über die beiden Plattformen zusammen ein Ausschreibungsvolumen von EUR 40 Milliarden angefragt, 5.000 Finanzierungsanfragen in der Höhe von über 8.5  Milliarden wurden erfolgreich abgeschlossen. 

Aus Loanboox und komuno wird eine Plattform für die digitale Kommunalfinanzierung in Deutschland 
Aufgrund strategischer Entwicklungen und um Kommunen die besten Konditionen anzubieten, haben sich die beiden Fintechs entschieden, das Kommunalgeschäft ab März 2023 zusammenzuführen. Raphael Schöttler, Geschäftsführer von Loanboox Deutschland, betont: „Die Zusammenführung ermöglicht den Kommunen, den ganzen Markt auf einer Plattform vorzufinden, statt verstreut. Dadurch erhalten sie die besten Konditionen – und sparen Steuergelder.“  

komuno wird führende Plattform für Kommunalfinanzierung 
Loanboox Deutschland wird seine Kommunalkunden kontaktieren und sie dabei unterstützen, sich der komuno-Plattform anzuschließen. komuno unterstreicht damit seine Marktführerschaft im deutschen digitalen Kommunalfinanzierungsmarkt. Thomas Eitenmüller, Geschäftsführer von komuno für Sales und Business Development, freut sich auf diese Kooperation: „Zukünftig können noch mehr Kommunalkunden und Investoren von unserem digitalen Markplatz für effiziente Kommunalfinanzierung profitieren. Unsere digitale Lösung vereinfacht den Ausschreibungsprozess und reduziert damit den Aufwand für alle Beteiligten erheblich. Mit der nun vereinbarten Zusammenführung auf komuno kommen wir unserem erklärten Ziel näher, allen Kommunen in Deutschland Zugang zu günstigen Finanzierungskonditionen zu verschaffen.“

Loanboox Deutschland fokussiert sich auf gewerbliche Immobilienfinanzierung 
Die Erfahrungen und Erfolge aus dem kommunalen Bereich werden das Wachstum von Loanboox Deutschland in der gewerblichen Immobilienfinanzierung weiter unterstützen. Seit 2022 profitieren Baugenossenschaften, Immobiliengesellschaften und Immobilienfonds von den erprobten Finanzierungs- und Schuldenverwaltungstools sowie Beratungsdienstleistungen. Loanboox ist in der Schweiz, in Frankreich und in Österreich weiterhin im Kommunalmarkt aktiv und Marktführer.  

Über komuno 
Die komuno GmbH ist Anbieter von komuno, der digitalen Plattform für Kommunalkredite und Fördermittel. komuno bringt kommunale Haushalte und Darlehensgeber sowie Förderbanken zusammen. Städte, Gemeinden und Zweck­verbände platzieren ihre Kreditausschreibungen bei Finanzinstituten ihrer Wahl, Finanzinstitute geben rechtsverbindliche Angebote ab. Seit September 2018 am Markt aktiv, ist komuno ein Joint Venture der Helaba Digital GmbH & Co. KG und der Lucht Probst Associates GmbH. 
Weitere Informationen unter www.komuno.de  

Über Loanboox 
Loanboox ist die europäische Plattform für Fremdfinanzierung großer Schuldner. Seit Start im 2016 wurden 3‘000 Transaktionen in der Höhe von EUR 30 Milliarden in Deutschland, Österreich, Frankreich, der Schweiz und weiteren europäischen Ländern erfolgreich abgeschlossen. Das Unternehmen bietet innovative Tools und Beratungsdienstleistungen für die Finanzierung und Schuldenverwaltung von Immobiliengesellschaften, Baugenossenschaften, Fonds, Großunternehmen, Kommunen und kommunalen Unternehmen an.
Weitere Informationen unter: www.loanboox.de

Kontakte für Fragen
Loanboox GmbH
Raphael Schöttler, Geschäftsführer Deutschland  
Mainzer Landstraße 33, 60329 Frankfurt am Main
+49 69 348668490, info@loanboox.de  

komuno GmbH 
Thomas Eitenmüller, Geschäftsführer 
Stresemannallee 30, 60596 Frankfurt am Main 
+49 69 66778 9580, info@komuno.de

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New signs on the horizon for residential construction

New signs on the horizon for residential construction

by | Oct 17, 2022 | Borrow, Invest

The German market for residential real estate is characterized by high rental and purchase prices in the metropolitan regions. An important factor here is the insufficient number of new construction projects for years and decades. The new traffic light coalition government in Berlin also wants to give new impetus here..

The German GEWOS Institute for Urban, Regional and Housing Research, based in Hamburg, expects a “trend reversal” to occur in the German real estate market in the current year 2022. According to the current GWOS Real Estate Market Analysis IMA®, which is considered the only area-wide study based on actual sales, a decline in turnover on the German transaction market is forecast. Cash turnover on the German real estate market had exceeded the €300 billion mark for the first time in the past year 2021.

The major increases in sales on the real estate market were caused primarily by the multi-family house and condominium segments and Germany’s top 10 cities: Berlin, Hamburg, Munich, Cologne, Frankfurt/Main, Stuttgart, Düsseldorf, Leipzig, Dortmund and Essen. The decline in sales expected by the GEWOS Institute would be the first of its kind in 13 years now. This “trend reversal” is likely to be further accentuated by an inflation rate in Germany that is unprecedented for over 70 years. According to the Federal Statistical Office Destatis in Wiesbaden, the inflation rate is expected to have been as high as ten percent in September 2022.

Target mark a distant prospect

Fewer real estate sales, rising interest rates, high inflation – what’s happening to the lofty goal of the red-yellow-green German government and its Construction and Housing Minister Klara Geywitz? The coalition agreement signed in December 2022 stipulated the following: “Our goal is to build 400,000 new homes per year, 100,000 of which will be publicly subsidized homes. To achieve this, we will continue federal financial support for social housing construction, including social home ownership subsidies, and increase funding.”

But at the latest with the latest economic developments, this goal seems to have receded into the distant future. In 2021, just 293,000 new homes were completed across Germany. The 400,000 mark for 2022 is probably an illusion. Although Minister Geywitz continues to adhere to this goal, she only expects “over 200,000 apartments” for this year. The interim conclusion: There is still too little being built. The impending recession and the increased cost of building materials are also contributing to the fact that private investors and project developers are having to review and recalculate construction projects that they thought were secure and financed.

Is the Chancellor’s “boom” also coming to the housing market?

On the other hand, these developments also mean that banks are now taking a closer look at real estate financing. In its latest issue (September 29, 2022), the “Immobilien-Zeitung,” the leader medium of the German industry, ran the headline: “Lending platforms take up position”. Potential borrowers need “quick access to the appropriate lender and speedy loan decisions,” writes cover story author Ulrich Schüppler. Digital platform solutions could easily provide this quickly and reliably.

The “trend reversal” described at the beginning of this report therefore not only affects the real estate transaction market in Germany, but also project developments, financing and, above all, the residential market. In addition, the public sector, i.e., local authorities, the federal government, and the federal states in Germany, want to step up their role as developers again. Public housing construction could even be facing a major “revival”. If Chancellor Olaf Scholz (SPD) decides to unleash billions of euros of investment on the residential real estate market, too, with a “bang”.

Author and contact for your commercial real estate financing needs:
Julian Grimm, Head of Real Estate Financing Deutschland, Loanboox GmbH
E-Mail: julian.grimm@loanboox.de, Telefon: +49 221 98654215

Loanboox Germany goes Real Estate Finance

Loanboox Germany goes Real Estate Finance

by | Jul 5, 2022 | Borrow, Invest, Media

The leading debt financing platform Loanboox uses the experience from municipal debt financing and expands its product portfolio. The company now also offers its services to German real estate companies, funds and housing cooperatives. To this end, Loanboox welcomes the commercial real estate financing expert Julian Grimm to the German team.

To date, municipalities and large companies have concluded 2,700 loans with a volume of EUR 27 billion via the leading platform for financing. Due to the high demand, Loanboox is now also offering its services to real estate companies, funds and housing cooperatives in Germany. With its new offering, Loanboox combines the advantages of the digital platform (digital offer comparison, data room, efficient processes and expansion of the lender network) with professional, personal advice. The first transactions have already been completed in Switzerland in recent months.

The real estate financing expert Julian Grimm is strengthening the team as Head of Real Estate Financing. Julian Grimm previously worked as a real estate financing specialist at the x-bricks Group, CORESTATE Capital Group and TRIUVA Kapitalverwaltungsgesellschaft (now PATRIZIA):

Portrait von Julian Grimm

“What I missed in my previous function as a real estate investor are simple, efficient and comprehensible processes for handling my large-volume commercial financing. That is exactly what Loanboox offers. That fascinates me. I look forward to supporting real estate companies with their financing in the future!”

Lenders appreciate the broad access to attractive financing options and the lean processes. In the digital data room, all documents and necessary information are available in one place and clearly summarized. This eliminates the multiple back and forths between borrowers and lenders. The fair communication and clear deadlines are a benefit for all parties.

Loanboox is open to partnerships with interested associations or organizations.

About Loanboox

Loanboox is the leading European debt financing platform for large issuers. For more information about Loanboox, click here.

Contact for questions

loanboox GmbH
Andrea Gazzetto, Marketing Communications Manager
Julian Grimm, Head of Real Estate Financing
Neue Weyerstr. 9, 50676 Köln
0221 – 98654220, info@loanboox.de

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New! Your software solution for municipal loan processes

by | Apr 28, 2022 | Borrow, Info

Developed with our customers

Based on the feedback from our municipal clients on the functions of Loanboox and our accumulated experience over the past years, we were able to develop an additional solution. The result is a software that represents the municipal loan process completely and without media breaks: Fincetra. With it, you control your financing in your own software solution.

How does Fincetra assist with your financing?

The quick-to-use software solution digitises and centralises existing loan processes. You have:

All in one software

Offers from e-mail, phone calls or fax are no longer necessary, everything is clearly presented in Fincetra. Internal communication and the creation of municipality-specific tender templates are simplified. You have an overview of the comparison of offers as well as the entire decision-making process and the subsequent documentation. Interfaces to accounting programmes facilitate the entire financing process.

Direct contact to your investors

Via your own distribution list you invite your house banks and brokers with your company name and branding directly from the software to the financing request. For the financiers, the offer submission is easily possible without registration. Furthermore, you will receive suggestions from Fincetra for suitable additional lenders, whom you can optionally contact. There are no brokerage fees.

Traceable processes from A to Z

You have access to current market and interest rate data at all times. All loan documents and your decisions are automatically documented and can be viewed at any time with an overview function and a history. This creates security as well as traceable processes before, during and after the financing application.

DISCOVER FINCETRA!

Would you like to see a demo of the software solution? We would be happy to show you Fincetra in a webinar.

Fincetra Kommunen login screen

Do you have any questions? Call us at any time on +49 221 9865420 or write to us at info@fincetra.com.

Results of the World Climate Conference: What the financial industry has to do with it

by | Dec 2, 2021 | Borrow, Invest

The World Climate Conference COP26, which ended mid-November, delivered important results against climate change. We show these and explain what sustainable finance means and what role the financial sector is playing in the fight against climate change.

The goal of the 26th World Climate Conference COP26 in Glasgow was to advance measures to achieve the goals of the Paris Agreement and the UN Framework Convention on Climate Change.

Achieving Net Zero: The contribution of the World Climate Conference COP26

The Glasgow Climate Pact was adopted at COP26 – almost 200 countries agreed to it. Aside from the one-sentence explanation of keeping the temperature rise below 1.5°C, these are the main points discussed by the delegates:

  • Coal will be “phased down”.
  • $500 billion to developing countries in the next 5 years to help them cut emissions and cope with the impacts of the climate crisis.
  • A database, communications and reporting system (Santiago Network) for countries and organisations to identify and catalyze opportunities and mobilize assistance to address loss and damage from climate change.

Some countries and NGOs described the results as “disappointing”. However, most countries agreed that the deal was balanced at this point, given their differences. The New Zealand chief negotiator summarized it as follows: “The text represents the ‘least bad’ result.”

More information about COP26 and its results can be found here.

Explanation of terms: Net Zero

Net Zero (net zero emissions) means that, through various measures, humans remove the same amount of the greenhouse gases they produce from the earth’s atmosphere. Accordingly, net zero means climate neutrality. The goal of global climate policy: to achieve Net Zero respectively climate neutrality by 2050.

Sources: Avenir Suisse and IPCC

What is the connection between the measures mentioned and the financial world?

The importance of sustainable finance

The way the world is currently managing its economy is not sustainable. The ecological level is overstretched and has reached its capacity limits. The financial sector has a central role to play in fighting climate change. On the one hand, enormous sums must be invested to promote sustainable measures, such as renewable energies. This is in order to achieve the UN’s Sustainable Development Goals. On the other hand, huge amounts of money are still flowing into organizations, projects and investments that do not meet sustainability criteria.

What role does finance play in net zero?

One of the key objectives identified in the run-up to COP26 was to mobilize finance. The Glasgow Financial Alliance for Net Zero (GFANZ) was launched to raise standards, drive ambition and ensure that Net Zero commitments are transparent, credible and consistent. Trillions must flow from the private and public sectors for Net Zero to be achieved.

Portrait von Andi Burri

Image source: flickr

“The private sector is realizing that climate risks are very important for their portfolios and they need to align them to a more sustainable way of doing things.”

 

Patricia Espinosa, Executive Secretary of the UN Framework Convention on Climate Change

500 global financial services firms have responded and agreed to align $130 trillion – 40% of the worlds’ financial assets – with the goals set out in the Paris Agreement, including limiting global warming to 1.5°C. An encouraging sign.

In the next article, we will do a deep-dive on the roadmap and the role of institutional investors, governments and cities to financing Net Zero.

Stay tuned.