• By offering Bausparen in combination with their usual products, banks can offer their customers appealing financing models. The institutions acquire new customer groups and increase their financing volume.
• Contractual savers have own funds, a situation which decreases the risk of a loan default. Costs associated with lending decrease not only for the customer but also for the lender. The long contract terms associated with Bausparen facilitate longterm relationships with customers. Attractive products and higher market share lead to an improved image and competitive advantages. When banks and institutions offering contractual savings for housing plans cooperate, this opens up a range of cross-selling opportunities.

With more then seven million customers, Bausparkasse Schwäbisch Hall is the largest institution offering contractual savings for housing plans and has been the market leader in Germany for decades. We owe our success to the following factors, among others:

• Bausparen is an attractive, flexible product.
• Bausparkasse Schwäbisch Hall has exceptional marketing and sales expertise with Bausparen as a product.
• As a contractual savings for housing institution, Bausparkasse Schwäbisch Hall has invested in longterm product management.
• Liquidity and risk management are organized with the long term in mind.
• Bausparkasse Schwäbisch Hall is especially efficient in processing the saving plans and housing loans.
• State-of-the-art IT solutions ensure the company’s success.
• Customers’ inclination to seek security creates ongoing demand.

Because Bausparkasse Schwäbisch Hall strives for cooperative relationships that are not only strategically beneficial but also promote trust, both partners benefit from the strengths and experience of the other, allowing them to achieve ambitious objectives together.