Ordinance on ImmobiliardarlehensMediation (ImmobiliardarlehensSwitching Ordinance-ImmVermV)

Unofficial table of contents

ImmVermV

Date of completion: 28.04.2016

Full quote:

" ImmobiliardarlehensSwitching Ordinance of 28 April 2016 (BGBl. I p. 1046) "

Footnote

(+ + + Text proof: 7.5.2016 + + +) 
(+ + + For application cf.  § § 10 para. 2, 18 + + +) 
(+ + + Official note from the standard provider on EU law: 
 Implementation of the 
 EURL 17/2014 (CELEX Nr: 32014L0017) + + +) 

  

The V was given as Ariktel 1 of the V v. 28.4.2016 I 1046 by the Federal Ministry of Economic Affairs and Energy in agreement with the Federal Ministry of Finance and the Federal Ministry of Justice and for Consumer Protection with the approval of the Bundesrat decided. The V is gem. Arikel 5 of the V entered into force on 7.5.2016.

Section 1
Product Customer Notice

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§ 1 Art-examination

(1) Through the existence of the examination of the subject-matter examination, the examinee shall provide proof that he has the technical knowledge of the products and advice which he/she is able to carry out in order to carry out the activities as a real estate agent in accordance with Article 34i (1) of the (2) The subject-matter of the examination shall be subject to the following subjects:

1.

Customer advice,

2.

Technical knowledge of the provision of real estate loans and advice,

3.

Financing and credit products.

The content requirements for the examination of subjects shall be determined in accordance with Appendix 1. Unofficial table of contents

§ 2 Executive Committee and Audit Committee

(1) The examination of the subject-matter examination shall be carried out by the Chambers of Industry and Commerce. The examination can be taken at any Chamber of Industry and Commerce, which offers this examination. (2) The Chambers of Industry and Commerce establish examination committees for the acceptance of the examination of the subject-matter. They shall appoint the members of these committees. Members must be knowledgeable in the examination areas, familiar with the current practice of real estate education and counselling by their own experience, and must be suitable for participation in the examination system. (3) Several industry and Chambers of commerce may conclude agreements for the joint implementation of the examination of the subject-matter. You can set up a joint audit committee. § 10 of the Law on the Interim Regulation of the Law of the Chambers of Commerce and Industry in the revised version published in the Bundesgesetzblatt, Part III, outline number 701-1, as last amended by Article 254 of the Regulation of the German Federal Council of Industry and Commerce 31 August 2015 (BGBl. 1474). Unofficial table of contents

§ 3 Examination content, procedure

(1) The subject-matter examination shall consist of a written and a practical part. Participation in the practical part of the exam presupposeth the existence of the written part. (2) The written part of the examination shall comprise the subjects listed in § 1 (2), first sentence, points 2 and 3. They must be considered in a balanced relationship with each other. The aim of the examination is to demonstrate, on the basis of practice-related tasks, that it has acquired the basic technical and legal knowledge in the field of real estate loan mediation and can apply this knowledge in practice. (3) The selection of the written examination tasks shall be carried out by a task selection committee, which is a uniform nationwide task. The Committee is staffed by seven members and seven alternates, appointed by the Chambers of Commerce and Industry. The appointment shall be made after consultation with representatives of the credit institutions, the building societies, the insurance companies and the credit intermediaries. The following are called:

1.

three members and three alternates each from the credit institutions, including the building societies and the insurance undertakings, or the representatives of their respective interests,

2.

three members and three alternates from the ranks of the credit intermediaries or the representatives of their interests, and

3.

a member and a deputy from the ranks of the Chambers of Commerce and Industry or the representatives of their interests.

The members of the task selection committee and their alternates shall be in a position to take appropriate decisions on the task of the task. The examination tasks are not published after the examination; they are available to the examinees only during the examinations. (4) In the practical part of the examination, which is carried out as a simulation of a customer consultation interview, is in each case carried out. a test specimen. Here, the examinee is to prove that he has the skills to develop and offer customer-friendly solutions. (5) The practical part of the test is not to be completed when the test specimen is

1.

a permit pursuant to Section 34d (1), Section 34e (1), Section 34f (1) or § 34h (1) of the Industrial Code of Business,

2.

a proof of proof within the meaning of Section 34d (2) (4) of the Commercial Code or any of them in accordance with Section 19 (1) of the Insurance Mediation Ordinance of 15 May 2007 (BGBl. 733, 1967), as last amended by Article 276 of the Regulation of 1 August 2015 (BGBl I). 1474), has been amended,

3.

has a certificate of proof within the meaning of Section 34f (2) (4) of the Industrial Code, or

4.

in accordance with Section 34h (1) sentence 4, in conjunction with Section 34f (2) (4) of the Industrial Code.

(6) The examination shall not be public. In the practical part of the examination, however, the following persons may be present:

1.

commissioned representatives of the Bundesanstalt für Finanzdienstleistungsaufsicht,

2.

members of another audit committee,

3.

Representatives of Chambers of Industry and Commerce,

4.

persons who are responsible for controlling the quality of the tests, or

5.

Persons who are appointed to an examination board.

These persons may not intervene in the ongoing examination or be included in the advice on the examination result. (7) The performance of the test item is to be evaluated by the examination board with "passed" or "fail". The examination has been passed if both the written and the practical part of the examination have been evaluated with "passed". The written part of the examination has been passed if the examinee has achieved at least 50 per cent of the achievable points in each of the subject areas according to § 1 (2) sentence 1 number 2 and 3. The practical part of the test has been passed if the test specimen has reached at least 50 percent of the achievable points. (8) The Chamber of Commerce and Industry shall immediately issue a certificate in accordance with Appendix 2 if the test item is to be tested has successfully passed. If the examination has not been successfully filed, the examinee shall receive a notice indicating the possibility of a repeat examination. (9) The details of the examination procedure shall govern the Chambers of Commerce and Industry. Statute. Unofficial table of contents

§ 4 Gender Equality of Other Professional Qualifications

(1) The following professional qualifications and their predecessors or successors shall be regarded as equivalent to proof of the necessary expertise:

1.

A final audit completed with success

a)

as a real estate clerk or as a real estate clerk,

b)

as a bank clerk or a bank clerk,

c)

as Sparkassenkaufmann or Sparkassenkauffrau,

d)

as a businessman for insurance and finance "FachDirection Finanzberatung" or as a clerk for insurance and finance "FachDirection Finanzberatung", if

aa)

the final examination on the basis of the version of the Vocational Training Regulation, valid until 31 July 2014, on the Insurance and Financial Affairs Department of the Insurance and Finance Department of 17 May 2006 (BGBl. 1187), or

bb)

the final examination has been filed in accordance with the version of the Ordination on Vocational Training as applicable from 1 August 2014 on the Department of Insurance and Financial Affairs/Insurance and Finance Kauffrau, and the applicant has Elective qualification unit "Private real estate financing and insurance" has been selected

e)

as a certified real estate manager, or as a certified real estate specialist,

f)

As a certified banking specialist or certified banking specialist,

g)

Certified specialist for financial advice or qualified specialist for financial consulting,

h)

Certified specialist for insurance and finance, or as certified specialist in insurance and finance;

2.

a certificate of completion as a financial specialist (FH) or a financial specialist (FH) with a completed further-education certificate course at a university if, in addition, at least one year's professional experience in the field of Immobiliardarlehensmediation;

3.

a certificate as a certified specialist adviser for financial services or as a certified specialist adviser for financial services if, in addition, there is at least two years of professional experience in the field of real estate loan mediation.

(2) The successful completion of a mathematical, economic or legal academic studies at a university or vocational academy shall be recognised as proof if the required subject-matter is available to the applicant. This requires, as a rule, that, in addition to the completion of the first sentence, there will be at least three years of professional experience in the field of the placement of real estate loans. Unofficial table of contents

§ 5 Recognition of foreign qualifications in the context of the freedom of establishment

If the evidence submitted in accordance with § 13c of the Industrial Code differs from the requirements of § § 1 and 3 with respect to the underlying subject areas, and the knowledge, skills and competences required by the applicant's applicants are to be equal. If the person has acquired this essential difference in the course of his professional practice or other relevant proven qualifications, the permit to commend the desired activity shall be obtained from the successful participation in the a supplementary examination of the subject-specific examination (specific to those subject areas) (specific Subject to expert examination).

Section 2
Intermediary Registry

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§ 6 Information on storage in the register of intermediates

(1) In the register of intermediates in accordance with § 11a of the Gewerbeordnung (commercial order), the following information on the registrants shall be stored:

1.

the surname and the first name, as well as the companies of the partnerships in which the person responsible for the entry is acting as managing partner,

2.

the date of birth,

3.

an indication that the person liable to enter has a permit pursuant to Article 34i (1), first sentence, of the commercial order as a real estate loan broker,

4.

an indication as to whether the registrant is acting as an honorary real estate loan advisor in accordance with Section 34i (5) of the Industrial Code,

5.

the name and address of the competent authority and the competent registration authority,

6.

the States of the European Union and the other States Parties to the Agreement on the European Economic Area, in which it intends to act, and where a branch is established, the business address and the legal provisions representatives of this branch,

7.

the operational address,

8.

the registration number referred to in Article 7 (3), first sentence,

9.

Information as to whether and for which company the registrant as a tied real estate agent referred to in Article 4 (7) of Directive 2014 /17/EU of the European Parliament and of the Council of 4 February 2014 on Residential real estate credit agreements for consumers and amending Directives 2008 /48/EC and 2013 /36/EU and Regulation (EU) No 1093/2010 (OJ L 196, 27.7.2008, p. OJ L 60, 28.2.2014, p. 34),

10.

the surname and the first name of the persons employed by the person who requires the entry, who are directly involved in the mediation or counselling or who are responsible for this in a senior position, and

11.

the date of birth of the persons registered in accordance with point 10.

If the person liable for registration is a legal person, the family name and the first name of the natural persons who are responsible for the mediating activities within the institution responsible for the management shall also be stored in addition to their company name. (2) In addition, in accordance with Article 11a of the Commercial Code, the information referred to in the first sentence of paragraph 1, points 1, 2, 5, 6, 8 and 9, and the information referred to in the second sentence of paragraph 1, of one in another Member State of the European Union or another shall be provided in the register in accordance with Article 11a of the Trade Contracting State of the Agreement on the European Economic Area Immobiliardarlehensvermittlers shall be stored under a registration number which the competent authority of the home country has communicated to the competent register authority. Unofficial table of contents

Section 7 Notification of notification

(1) The registrant shall immediately inform the competent authorities of the information in accordance with the first sentence of Article 6 (1) (1) (1) to (9) and the second sentence of § 6 (1) (2) of his activity. He shall also immediately notify changes to the information in accordance with § 6 (1). The competent authority authority shall forward these details and changes to the register authority without delay. (2) The registrant shall immediately inform the registrant of the information provided for in the first sentence of Article 6 (1) (10) and (11), as well as any changes to such information. Register authority. (3) The register authority shall issue a confirmation of registration with the registration number under which the registrant is to be kept in the register. The registration authority shall inform the competent authority authority of the registration number. (4) The register authority shall inform the registrant, the competent authority and the competent authority of the States of the European Union, and the other Contracting States to the Agreement on the European Economic Area referred to in Article 6 (1), first sentence, point 6, without delay, via a data deletion pursuant to Article 11a (3b) sentence 2 of the Industrial Code. Unofficial table of contents

§ 8 Access

The information referred to in the first sentence of Article 6 (1) (2) and (11) may not be obtained automatically. The register authority may provide information on such information only to the authorities referred to in Article 11a (7) of the Industrial Code.

Section 3
Requirements for professional indemnity insurance

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§ 9 Scope of insurance

The insurance referred to in Article 34i (2) (3) of the Commercial Code shall apply to the entire territory of the Member States of the European Union and of the other States Parties to the Agreement on the European Economic Area if the activity is the trader is not confined exclusively to the domestic market. Unofficial table of contents

§ 10 Scope of insurance

(1) The insurance in accordance with Section 34i (2) (3) of the Industrial Code shall be concluded with an insurance undertaking admitted to the business in Germany. (2) For the amount of the minimum insurance sum for each individual Insurance case and for the amount of the minimum insurance sum for all insurance cases of one year is Article 1 of the Delegated Regulation (EU) No 1125/2014 of 19 September 2014 supplementing Directive 2014 /17/EU of the European Parliament and Council with a view to technical regulatory standards for the Minimum coverage of professional indemnity insurance or equivalent guarantee for credit intermediaries (OJ L 327, 30.4.2004, p. 1), as amended. (3) The insurance contract must cover liability risks for property damage resulting from the commercial activity within the scope of this Regulation. . The insurance contract must also cover such property damage for which the insurer has to comply in accordance with § 278 or § 831 of the Civil Code, to the extent that the filling or alignment agents do not themselves contribute to the The conclusion of such professional indemnity insurance is required. If the trader is acting as a managing partner in one or more partnerships, an insurance contract must be concluded for each of the persons in which the trader is responsible; the Insurance contract may also cover the activity of the trader in accordance with sentence 1. (4) The insurance contract shall provide insurance cover for each individual breach of duty, the legal liability claims of private law could result in an insurance against the person liable for insurance. In doing so, it may be agreed that all breaches of duty shall be deemed to be an insurance case in the event of a single transaction being completed. (5) The liability for claims for compensation due to the indelible breach of duty can be covered by the insurance shall be excluded. Further exclusions are only permitted to the extent that they are market-standard and do not run counter to the purpose of professional indemnity insurance. Unofficial table of contents

§ 11 Insurance confirmation, insurance undertaking's obligation to notify

(1) The insurance certificate issued by the insurance company in accordance with Section 113 (2) of the Insurance Contract Law of 23 November 2007 (BGBl. I p. 2631), most recently by Article 15 of the Law of 19 February 2016 (BGBl. 254) may not be older than three months at the time of submission of the application to the authority responsible for granting the authorisation. (2) The insurance undertaking shall be obliged to grant the authorisation for the granting of licences in accordance with § 34i (1) shall forthwith notify the competent authority of the competent authority:

1.

the termination or termination of the insurance contract, if necessary only after the expiry of the period pursuant to § 38 (3) sentence 3 of the Insurance Contract Law,

2.

the withdrawal of an policyholder from a group insurance contract, and

3.

any change in the insurance contract which may affect the prescribed insurance cover in relation to third parties.

The competent authority shall inform the insurance company of the date of receipt of the notification. (3) The competent authority shall be the competent authority within the meaning of Section 117 (2) of the Insurance Contract Law, which is responsible for the granting of authorisation pursuant to Article 34i (1) of the Insurance Contract Act. Commercial order competent authority.

Section 4
Behavioural duties

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§ 12 General Code of Conduct

The trader is obliged to carry out his activity with the necessary expertise, care and conscientiousness in the interest of the real estate property holder. Unofficial table of contents

Section 13-Prohibition of the adoption of funds

The trader does not have the power to acquire property or property in connection with the real estate business mediation or advice pursuant to § 34i (1) sentence 1 of the Industrial Code of the real estate property owner. Unofficial table of contents

§ 14 Record of recording and retention

(1) The trader shall, as from the acceptance of the contract, record the following in accordance with sentence 3:

1.

the name and first name or the name of the company and the address of the contracting entity;

2.

the remuneration for the activity of the contracting authority and the remuneration paid,

3.

the day and the reason for the completion of the contract.

He has to collect the relevant documents and documents on a clear basis. The records shall be recorded immediately and in the German language. (2) The documents referred to in paragraph 1 shall be kept for five years on a durable medium and shall be kept in the premises. The retention period shall commence with the end of the calendar year in which the last recorded process for the respective order has been incurred. Other provisions relating to recording and accounting obligations shall remain unaffected. Unofficial table of contents

Section 15 Non-ordinary audits

(1) The authority responsible for granting licences pursuant to Article 34i (1) of the Commercial Code may, on a special occasion, arrange for the trader to pay his costs in the course of an extraordinary audit by an appropriate auditor. review compliance with the obligations arising out of § 34i (5) to (7) of the Industrial Regulations and § 14, and submit the audit report to the Authority. The auditor shall be determined by the competent authority referred to in the first sentence. The audit report shall include an indication as to whether and which infringements by the trader have been identified. The examiner shall sign the endorsement, stating the place and date. (2) The examiners shall be the appropriate examiners.

1.

Auditor, sworn accountant, auditing and accounting firms,

2.

Examination bodies, for the purpose of their legal or statutory purpose, the periodic and extraordinary examination of their members, provided that:

a)

at least one of its legal representatives is an auditor,

b)

the conditions relating to the composition of the Executive Board pursuant to Section 63b (5) of the Cooperative Act, as amended by the 16. October 2006 (BGBl. I p. 2230), most recently by Article 7 of the Law of 31 March 2016 (BGBl. 518), or

c)

they are self-employed accountants or sworn accountants or an accounting or accounting firm for their audit work.

(3) Suitable auditors shall also be other persons who have been publicly appointed or approved and who are able, on the basis of their background and experience, to carry out a proper examination in the relevant commercial establishment, as well as to the Mergers. (4) Unsuitable for an extraordinary examination are persons who are concerned with the concern of the partiality. Unofficial table of contents

Section 16 Rights and obligations of the parties involved in the extraordinary audit

(1) The trader shall at all times allow the auditor to inspect the books, records and records. He has to give the examiner any information and evidence at the request of the examiner for a careful examination. (2) The examiner is obliged to scrupuloise and impartially examine and to secrecy. He shall not use any unauthorised disclosure of business and business secrets that he has experienced in his activities. An examiner who intentionally or negligently violates his duties shall be bound by the trader to compensate for the damage resulting therefrom. Several persons are liable as total debtors. Unofficial table of contents

§ 17 Display obligation

The trader shall immediately indicate to the authority responsible for the granting of licences in accordance with Article 34i (1) of the Commercial Code, in accordance with the third sentence, the persons responsible for the management of the establishment or a branch. In the case of legal persons, this also applies to persons who are appointed to represent persons in accordance with the law, the articles of association or the social contract. The display shows for each person the following:

1.

the name, the name of the birth, if it deviates from the name, and the first name,

2.

nationality or nationality;

3.

the date of birth and the place of birth, and

4.

the current address.

Section 5
Cross-border administrative cooperation

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Section 18 Cross-border cooperation

The authorities responsible for granting licences and the register authority shall work to monitor the trader in accordance with Directive 2014 /17/EU directly or via the post referred to in Article 11a (6), third sentence, of the commercial order with the European the banking supervisory authority and the supervisory authorities of the home Member States. In the event of disagreement between supervisory authorities in the case of cooperation referred to in the first sentence, Article 19 of Regulation (EU) No 1093/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory authority (the European Banking Authority), amending Decision No 716 /2009/EC and repealing Commission Decision 2009 /78/EC (OJ L 136, 31.7.2009, p. 12), as last amended by Directive 2014 /17/EU (OJ L 331, 15.12.2014, p. 34) has been amended to apply accordingly.

Section 6
Irregularities, transitional arrangements

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§ 19 Administrative Offences

(1) In the sense of § 144 (2) (6) of the Industrial Code, who intentionally or negligently acts in the sense of the order of law

1.

Contrary to § 13, ownership or possession of funds of a real estate loan holder is provided,

2.

Contrary to the first sentence of Article 14 (1), a record is not made, not correct, not in full, in the prescribed manner or not in time,

3.

Contrary to the first sentence of Article 14 (2), a document referred to in that paragraph shall not be retained, not properly, in the prescribed manner or not at least five years,

4.

an enforceable arrangement in accordance with Article 15 (1) sentence 1,

5.

Contrary to the first sentence of Article 16 (1), an examiner is not allowed to inspect

6.

Contrary to § 16 (1) sentence 2, an examiner does not give an information or a proof, not correct, not complete or not in good time, or

7.

Contrary to § 17 sentence 1, also in connection with sentence 2, an advertisement is not reimbursed, not correct, not complete or not in good time.

(2) In the sense of Section 145 (2) (9) of the Industrial Code, the person who intentionally or negligently deals with an act referred to in paragraph 1 in the exercise of a travel business. (3) Contrary to the order of law within the meaning of Section 146 (2) (11a) of the Rules of the The commercial order shall be the person who intentionally or negligently deals with an act referred to in paragraph 1 in the exercise of a trade fair, exhibition or market trade. Unofficial table of contents

Section 20 Transitional regulation

A final completed before March 21, 2016, according to the standard of the common learning target catalog ² of the German building societies of the Vocational Training Plant of the Bausparkassen e. V., the Chamber of Commerce and Industry Potsdam, the Chamber of Commerce and Industry North Westphalia, the Sparkassenakademie Niedersachsen, the Sparkassenakademie Schloss Waldthausen, the Sparkassenakademie Baden-Württemberg, the Wirtschaftsakademie Schleswig Holstein/Branch Lübeck or the Vocational Training Centres of the Bavarian Economy (BFZ) Non-profit GmbH is the same as the successful examination of the subject-matter examination.

2

Non-official note: Training programme for the qualification "Bauspar-und Finanzfachmann/-fachfrau (BWB)", Vocational Training Plant of the Bausparkassen (BWB) e. V., December 2012, http://www.bwbprofi.de/_files/files/Ausbildungsprogramm_ab_2013.pdf; Learning Target Catalogue, Publisher: Bundesstorestelle Landesbausparkassen, January 2012.

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Appendix 1 (to § 1 (2))
Substantive requirements for the examination of the subject-matter

(Fundstelle: BGBl. I 2016, 1052-1054)

1.	Customer advice
1.1	Customer Service expectations
1.2	Visit preparation/customer contacts
1.3	Customer consultation in compliance with ethical principles
1.3.1	Customer situation
1.3.2	Customer requirements and customer-friendly solution
1.3.3	Guidance and nomenclature
1.4	Customer Care
2.	Knowledge of real estate loan mediation and advice
2.1	General legal bases
2.1.1	Legal capacity and business capacity
2.1.2	Contract Law
2.2	Legal basis of real estate acquisition
2.2.1	land, equal rights (inheritance law; residential property), rights to real estate
2.2.2	Commitment business (notarial purchase contract)
2.2.3	Disposal business and registration in the land register (notice, dismissal)
2.3	Construction and operation of basic books
2.3.1	Basics
2.3.2	Establishment of the basic book
2.3.3	Order of entries; ranking of rights
2.3.4	Changes in the land register
2.3.5	Unregistered loads
2.4	Legal basis of the provision of real estate loans and advice
2.4.1	Consumer credit legislation
2.4.2	Immobiliar consumer loan agreement
2.4.3	Legal basis for the activity, in particular behavioural and information requirements as a real estate loan broker
2.4.4	Special requirements for consultation
2.4.5	Credit law
2.4.6	Money laundering law
2.5	Intermediary and Consultative Law
2.5.1	Legal status
2.5.2	Professional associations/professional associations
2.5.3	Employee representatives
2.6	Consumer protection
2.6.1	Principles of consumer protection
2.6.2	Schlichtungsstellen
2.7	Unfair competition
2.7.1	General competition principles
2.7.2	Illegal advertising
2.8	Data protection
2.8.1	Data security
2.8.2	How to handle information
2.8.3	Secrecy
2.9	Responsibilities of supervision
2.10	European Single Market: Freedom of service and establishment
2.11	Financial and economic fundamentals
2.11.1	Market for real estate and construction financing (lenders and credit intermediaries, real estate markets and their pricing, credit markets and their pricing)
2.11.2	Business cycles and their effect on the credit business
2.11.3	Monetary and central bank policy
2.11.4	Direct influences on the interest rate level
2.11.5	Basics of interest rate
2.12	Tax aspects of real estate acquisition
3.	Financing and credit products
3.1	Financing occasions
3.2	Credit products
3.2.1	Annuity Loans
3.2.2	Interest payment loans
3.2.3	Redemption loans
3.2.4	Interim financing
3.2.5	Connection Loans/Forward Loans
3.2.6	Cap loans
3.2.7	Fixed loans
3.2.8	Policy loans
3.2.9	Building savings and building savings finance
3.2.10	State funding
3.3	Financing requirements and components
3.3.1	Labour costs
3.3.2	Direct indirect labour costs (in particular land tax, notary and basic book costs, brokerage coursework)
3.3.3	Indirect indirect labour costs (in particular provision of interest, disagio)
3.3.4	Own resources
3.3.5	Foreign resources
3.4	Condition Comparison
3.4.1	Interest rate as a function of the collateralisation
3.4.2	Annual Effective Zins
3.4.3	Variable interest rate
3.4.4	Interest Commit
3.4.5	Tilting Rate
3.4.6	Special tilts
3.4.7	Assessment of grace periods
3.4.8	Determination financing term
3.4.9	Target interest retention periods
3.5	Interest rate
3.6	Financing offer
3.6.1	Cost and financing plan; financing building blocks
3.6.2	Presentation of financing in the loan application
3.6.3	Documents to be submitted
3.6.4	Payout requirements
3.7	Credit impact assessment
3.7.1	Basics
3.7.2	Credit capacity
3.7.3	Creditworthiness
3.7.4	Credit credentials
3.7.5	Sustainability of financing
3.8	Credit Backup
3.8.1	Basics
3.8.2	Basic debt
3.8.3	Mortgage
3.8.4	Other collateral (in particular assignment, guarantee)
3.9	Exposure assessment/rating of collateral
3.9.1	Basics
3.9.2	Traffic value
3.9.3	Procedure for determining the value of the insult
3.9.4	Insulting boundaries
3.10	Coupling operations/ancesuits
3.11	Risk of financing
3.11.1	Interest rate change risk
3.11.2	Change of personal situation
3.11.3	Non-performing loans
3.12	Termination of credit agreement
3.12.1	Opportunities for dismissal by creditors and borrowers
3.12.2	Risks (default compensation)
3.12.3	Credit prolongation
3.12.4	Debt

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Appendix 2 (to § 3 (8))
Certificate of successful examination of the examination of the expert examination "Certified skilled person for real estate loan transfer IHK" and "Certified Specialist for Immobiliardarlehensmediation IHK" pursuant to § 34i (2) (4) of the Industrial Code of Industry

(Fundstelle: BGBl. I 2016, 1055)
Mr./wife..... . (Name and first name) born on........ in...... Resident in...... .hat on..... .in front of the Chamber of Commerce and Industry...... The examination of the subject-matter examination for the exercise of the business as a real estate loan broker in accordance with § 34i (2) point 4 of the Industrial Code was successfully completed. The examination of the subject-matter covered in particular the subject-specific knowledge, obligations and the powers of the following subjects:

1.

Customer consulting (creation of customer profiles, needs assessment, solution possibilities, product presentation and information),

2.

professional knowledge of credit products for real estate financing or mortgage-backed loans, and the financial products or other financial services that they usually offer together; market overview,

3.

-technical knowledge in the field of consumer credit and consumer protection;

4.

-technical knowledge in the field of credit-testing,

5.

-knowledge of the acquisition of real estate and the security of loans,

6.

technical knowledge in the evaluation of collateral,

7.

Technical knowledge of the structure and function of basic books,

8.

Professional knowledge of ethical standards in business life,

9.

Financial and economic expertise.

	.......
	(Stamp/Seal)
.......			.......
(Place and date)			(Signature)