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The Navera process

How Navera works.

Your financing in five steps. Fully digital. Personally guided.

The process

Five steps, one clear path.

  1. 1

    Capture your situation.

    Enter your key figures into the calculator and get an initial indication of your rate and interest right away.

    • Register with your email address.
    • Add details about the property or your existing loan, plus a few personal details.
  2. 2

    Compare conditions.

    Over 600 banks — self-determined and transparent.

    • You see not just the interest rate, but also the remaining debt, flexibility and total cost.
  3. 3

    Choose an offer.

    You make the decision.

    • You upload the required documents. We guide you automatically through every step.
  4. 4

    Personally reviewed.

    An experienced financing expert reviews your situation together with the offer you chose.

    • They answer your questions and prepare the application with you at your bank of choice.
  5. 5

    Closing and beyond.

    Notary appointment and payout.

    • We stay reachable for you afterwards, too.
    • If you're ever unsure or have questions, you can book an appointment with one of our financing experts at any time.
Why Navera

What makes our process different.

Technology takes the work off your plate. People give you certainty.

  • Self-determination.

    You decide independently which offer from which bank you want to accept. We're happy to help if you have questions.

  • Transparency.

    We show you every financing offer that matches your details. Unfiltered.

  • Schufa-neutral.

    No Schufa credit check happens until the actual loan application at the bank of your choice.

  • No extra costs.

    There are no additional costs for you. We're financed through the bank's brokerage fee once a loan agreement is concluded.

Preparation

What you'll need.

The key details so you can prepare.

Calculate financing

When buying a property

Documents for

  • Location
  • Year built
  • Purchase price
  • Living area

As well as

Personal details such as employment status and income.

For refinancing

Documents for

  • End of fixed-interest period
  • Remaining debt at redemption
  • Details of the current loan
  • Current conditions

As well as

Personal details such as employment status and income.