Real Estate Financing

With the afb Credit Management Solution (afb-CMS), you operate your construction and real estate financing business across all sales channels with the highest level of automation. The module group Real Estate Financing supports all major financing options (e.g. annuity, forward, cap, subsidised loans etc.) and add-on products (e.g. payment protection insurance) and provides comprehensive functionalities for managing real estate financing, from quoting, application capturing, decision and processing through to contract activation and management. Different system users are provided with tailor-made processes for calculation, application, decision and processing of real estate financing. With the use of functionalities for contract management and accounting, it is possible to model an integrated scenario of the entire process chain from contract creation to the agreed upon expiration.

Services Real Estate Financing

  • Procedural support of the major credit options, such as annuity loans, forward loans, variable loans, cap loans, full repayment loans, subsidised loans/funding, housing loans and loans without equity capital, as well as additional products such as payment protection insurance
  • Selection of financing conditions such as fixed-interest period, repayment rate, annual premature repayments, commitment interest
  • Combination of multiple financing of an asset with different fixed-interest periods and integration of subsidies over the product basket
  • Capturing the required data warehouse for asset, product and applicant with corresponding validation
  • Automated request of information, scoring or rating systems
  • Generating automatic or manual credit decisions
  • Workflow-supporting documents and check of conditions
  • Control of loan disbursement and contract management

Advantages at a glance

  • Integrated system: afb-CMS covers the entire life cycle of the contract in an integrated system – from proposal to termination of contract.
  • Free choice of distribution channels: the solution supports the desired distribution channels in the store, in the field, with trading partners at the point of sale (POS) as well as direct business with consumers.
  • Flexible financial products for different types of business: the solution provides the opportunity to offer flexible financing and additional products for specific types of transactions for asset financing.


  • Decision within the framework of the risk strategy: afb-CMS makes the credit decision based on the criteria and rules defined by the financial services provider. This ensures compliance with standardised and centralised guidelines and regulatory requirements.
  • Close interaction with collateral management: during activation and during the contract period, afb-CMS verifies if all the collateral required in accordance with the established rules, such as land charge entries, mortgages, cessions of life insurance policies etc., are generated and linked to the credit contract.


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