WEG loan
Financing solutions for homeowners associations

A WEG loan is a earmarked financing, which is taken out directly by the community (via the property management) – e.g. for financing:

• Maintenance and renovation (roof, facade, underground car park, pipes)
• Energy efficiency measures (heating, insulation, photovoltaics)
• Elevator retrofitting or accessibility
• Modernization of communal facilities (e.g. entrance, elevator, fire protection)

The loan is taken out by the homeowners' association and managed through the joint account. Repayment is made in monthly installments – usually through the utility bill.

• Securing the owners’ liquidity: Owners pay their installments monthly – without large upfront payments. This reduces the burden and increases approval for necessary projects.
• Rapid implementation of urgent measures: Energy-saving renovations, facade work or roof repairs can be carried out without years of saving up.
• Maintaining and increasing the value of the property: Investments in shared property increase the market value and attractiveness of the residential complex in the long term.
• Administrative relief: Financing is organized centrally – transparently, professionally, and with dedicated contacts.
• Flexibility and planning security: Adjusted terms, fixed interest rates and fair repayment plans create long-term financing stability for the WEG.

• Relief from special levies: less potential for conflict because owners do not have to pay large amounts immediately.
• Faster implementation of decisions: Renovations or modernizations can be started promptly.
• Less administrative effort: Instead of coordinating many individual loans, a joint loan is managed.
• Plannable liquidity of the WEG: regular installments instead of uncertain deposits.
• Strengthening the community: Owners with lower liquidity are not excluded.
• Increase in property value: makes it easier to argue to owners about necessary measures.

This collaboration specifically relieves property management companies of the burden of financing. From assessing financial viability and coordinating with banks to preparing draft resolutions, all steps are professionally managed. This allows investments to be implemented quickly – without additional administrative effort and without additional burdens for individual owners.

Service overview:

• Support with the exam the financing of a measure
• Mediation bank-independent WEG loan solutions
• Accompaniment at owners' meetings and draft resolutions
• Support with voting with WEG banks and project participants

Important to know:

• No mortgage security or individual guarantees necessary
• Repayment is made via the administrative accounts – without impacting the private creditworthiness of the co-owners
• The loan is not owned by individual owners but by the community as a whole

Conclusion: With a condominium loan, you can make quick, economically viable investments – without large one-off payments or lengthy reserve building.