Real estate loan broker - apply for a permit am Standort Ordnungsamt Friedrichshain-Kreuzberg Gewerbe

Payment options

• Girocard (mit PIN)

Anyone who wants to broker the conclusion of real estate consumer loan agreements or corresponding financing aids on a professional basis (real estate loan broker) or advise third parties on such agreements (fee-based real estate loan advisor) requires a permit from the competent authority.

This includes typical real estate financing (house construction, house or flat purchase, conversion or extension or renovation measures, loans to secure a property). The brokerage of building society contracts is not covered by this.

Employees of real estate loan brokers who are employed in this area must also be registered in the broker register. Registration takes place at the Berlin Chamber of Industry and Commerce for companies based in Berlin (see "more information").

Fee-based real estate loan consultants are not allowed to work as real estate loan brokers and real estate loan brokers are not allowed to work as fee-based real estate loan consultants. They must choose one of the two types of activity, which is then also clearly shown in the register of intermediaries.

For the brokerage of other consumer loans, a licence as a loan broker according to § 34c GewO is required (see "more information").

For the brokering of participatory loans, subordinated loans and swarm financing, you need a separate licence as a financial investment broker pursuant to § 34f GewO (see "more information").

In the case of partnerships (e.g. GbR, OHG, KG), each managing partner is a trader; in the case of legal entities (GmbH, UG or AG), the permit is granted to the company.

Prerequisites

• Personal reliability
  
  Reliability is verified based on various documents. The applicant must submit an excerpt from the Federal Central Criminal Register (certificate of good conduct) and an excerpt from the Commercial Central Register.
• Orderly financial circumstances
  
  It is checked whether the applicant has debts (private or public) or whether insolvency proceedings are known.
• Adequate insurance cover
  
  Proof of professional insurance cover for the business.
• Expert knowledge
  
  Proof of successfully passed examination of competence before a CCI or a similar approved professional qualification.
• For online applications: registration/login via BundID

Documents required

• Antrag auf Erteilung einer Erlaubnis (Immobiliardarlehensvermittler)
  
  Possible online; or you can use the form.
• Identity document
  
  Identity card or other official identification document containing a photograph (not required for electronic applications).
  Residence permit, if the applicant is not an EU national
• Certificate of good conduct for presentation to an authority
  
  To verify personal reliability, an extract from the Federal Central Register (certificate of good conduct) is required for submission to an authority (document type O).
  The information must not be older than three months.
• Excerpt from the central business register for presentation to an authority
  
  To verify personal reliability, information from the central business register is required for submission to an authority (document type 9).
  The information must not be older than three months.
• Information from the debtors' register (Central Enforcement Portal)
  
  Information regarding entries must be requested online from the central enforcement centre for the respective federal state (see "more information").
• Information from the insolvency register
  
  • Two certificates are required for initiating insolvency proceedings for natural persons who are residents of Berlin. The first certificate for consumer insolvency proceedings must be applied for with the local court responsible for your place of residence, and the second one for regular insolvency proceedings is available from the District Court Charlottenburg Amtsgerichtsplatz 1, 14057 Berlin.
  • The District Court Charlottenburg, Amtsgerichtsplatz 1, 14057 Berlin is responsible for insolvency proceedings for legal entities and private trade companies based in Berlin.
  • Applicants residing / operating outside of Berlin please inform themselves about the respective responsibilities of the insolvency courts via the central place and court directory (see "more information").
• Proof of competence
  
  Proof of CCI examination of competence or similar recognised professional qualification.
• Professional liability insurance
  
  Confirmation from an insurance company that the real estate loan broker has professional liability insurance cover.
  The confirmation must be no older than three months and it must comply with European requirements for professional liability insurance.
• Up-to-date excerpt from the Trade Register
  
  Registered companies are required to submit an up to date excerpt from the Trade Register when applying. Legal entities that are in the process of being established (GmbH, AG) are required to submit their partnership agreement or statutes.

Forms

• Antrag auf Erteilung einer Erlaubnis (Immobiliardarlehensvermittler)

Fees

90.00 to 1,740.00 euros per expense

Legal basis

• Trade Regulations (GewO) § 34i
• Ordinance for real estate loan brokerage (Real Estate Loan Brokerage Ordinance)
• Schedule of Administrative Fees (Verwaltungsgebührenordnung (VGebO))

Average time to process request

1 month

More information

• Informationen zum Immobiliardarlehensvermittler (IHK Berlin)
• Information zum Vermittlerregister (DIHK)
• Auskunft aus dem Schuldnerverzeichnis (zentrales Vollstreckungsportal der Länder)
• Insolvency announcements online (Justizportal der Länder)
• Search for the competent court (central directory of places and courts)
• Information on data protection (Ordnungsämter des Landes Berlin)
• Erlaubnis als Darlehensvermittler gem. § 34c GewO (Dienstleistung)
• Erlaubnis als Finanzanlagenvermittler gem. § 34f GewO (Dienstleistung)
• Register of intermediaries IHK - Apply for registration (service)

Hinweise zur Zuständigkeit

The permit must be applied for at the public order office responsible for the place of business. If a place of business is not yet known, the permit can also be applied for at the public order office responsible for the applicant's place of residence.

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