Effi One Development

With effi, you'll know immediately whether you can afford your dream property. You can determine your purchase budget in no time, find the right property, and receive customized financing offers. Upon request, we can also provide you with personal advice – without obligation, of course.

YOUR BENEFITS AT A GLANCE

- MOBILE

With effi, you have your financing calculation with you anytime, anywhere. You can adjust it, share it, or show it to the agent during a viewing.

- SMART

Goodbye Excel, bye-bye calculator! Your income and expenses are automatically recognized based on your account transactions.

- FAST

In just a few seconds, you'll know your purchase budget, the maximum loan amount, and receive customized financing offers.

- SECURE

Data protection and data security are our top priority: Our account analysis service is TÜV-tested and BaFin-certified.

THE FIRST BUDGET CALCULATOR WITH SMART ACCOUNT ANALYSIS

What makes effi special? You don't have to laboriously search for and add up your income and monthly fixed expenses for your household budget. effi takes care of that. You securely connect your checking account to the app. All relevant transactions, such as salary, loans, and private health insurance, are automatically recognized. If necessary, you can manually add additional income and expenses. This way, your household budget is completed in no time.

PERSONALIZED FINANCING PROPOSALS IN REAL TIME

Based on your information about income, equity, and property purchase price, effi checks your financing options. Our database contains offers from over 800 established financing providers – with up-to-date terms and conditions. We suggest the best deals that are perfectly tailored to your needs.

PROPERTY SEARCH MADE EASY

With effi, you'll find your dream property even faster! Our app supports you not only with financing, but also with the property search itself. Smart filters and individual preferences allow you to discover suitable properties and immediately check whether they fit your budget. Combine your search with financing offers and keep track of all the important details.

FREE VALUATION OF YOUR DREAM PROPERTY

Do you have a specific property in mind and want to know if it's worth the purchase price? With our free property price check, you can find out in no time. You don't need to hire an appraiser and you'll quickly get a realistic estimate. Our price check is based on an algorithm that always works with the latest market data. Check the property value now and make the right purchase decision!

NO-BINDING PERSONAL FINANCING CONSULTATION

What happens next once you know your financial flexibility? Our experts are happy to assist you personally: Clarify questions about your financing needs, receive additional loan offers, and learn more about government funding opportunities. Conveniently book a digital consultation – whenever and however it suits you best.

EFFI IS COMPLETELY SECURE

Are you wondering whether the account analysis is secure? Yes! We work with an account information service (finAPI) that reads your account transactions via a secure interface. To do this, you log into your online banking via an encrypted connection. You also authenticate yourself with a TAN. Our service provider, finAPI, is licensed by BaFin (Federal Financial Supervisory Authority) and operates in full compliance with data protection regulations. The legal basis for this service is the EU Directive PSD2 (Second Payment Services Directive), which came into force in 2019. The aim of the directive is to enable new, useful financial services for consumers.

In effi, your data is securely encrypted at all times and never passed on to third parties without your express consent.