Germany Loan Market By Type (Secured Loan and Unsecured Loan), By Provider Type (Bank, Non-Banking Financial Companies and Others (Fintech Companies)), By Interest Rate (Fixed and Floating), By Tenure Period (Less than 5 Years, 5-10 Years, 11-20 Years, More than 20 Years), By Region, Competition, Forecast & Opportunities, 2028F

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Report Description

Report Description

Forecast Period

2024-2028

Market Size (2022)

USD2,103 Million

CAGR (2023-2028)

4.50%

Fastest Growing Segment

Unsecured Loan

Largest Market

Banks


The Germany Loan Market is anticipated to project robust growth during the forecast period because of increasing marketing strategies, low-interest rates, and digitalization.

The term "loan" refers to a sum of money that one or more individuals, firms, or other entities borrow from banks or other financial institutions to manage their finances in connection with foreseeable or unforeseen events. By doing this, the borrower establishes a debt that needs to be paid back with interest over a specific period. Loans are available to everyone, including people, companies, and governments. One borrows money primarily to increase the total amount of available funds.

Germany is Europe’s biggest economy and provides a favorable market environment with exceptional repayment behavior and financial resources. However, with a volume of outstanding loans of USD 188.66 billion in 2020, the German consumer lending sector is still relatively tiny in comparison to the size of the country's entire economy.

Dominance of Automotive Loan Will Lead to the Market Growth

The primary motive for consumer loans, according to a GfK study, is to finance a car. For instance, Germany's auto loans account for 56% of all installment loans. Financing for vehicles is widespread. To engage reasonably in daily life, owning a car is still necessary, especially in rural areas. Buying a car is typically so expensive that very few people can do so with their own money or assets. According to the DAT Report 2022, installment loans or loans from auto dealers account for 66% of all new car purchases in Germany.

Additionally, getting a car loan is relatively easy. There are so many options available to borrowers. Direct and car banks are actively pursuing consumers in this market in addition to the traditional banks offering loans. This ensures that the borrowing terms are frequently favorable for borrowers, thus increasing the demand for the loan in Germany.

Booming Online Loans Will Boost The Market Growth

The consumer loan industry is seeing a shifting market environment, and the Covid-19 pandemic has further emphasized the value of online channels. As a result, new technical advancements open up chances for new players and traditional banks face unique difficulties. Additionally, getting a loan online is now very simple. For instance, CrediMaxx organizes corresponding online loans. Borrowers frequently make significant financial savings by contrasting the associated conditions. 37% of installment loans were obtained partially online, i.e., through online applications. Absolute digital users are increasing most rapidly in the banking sector. Customers value banking apps more than branch networks, brands, or counter advice. Thus, increasing digitalization in the banking sector will fuel the Germany loan market.

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Purchase of Loan To Finance The Facility Will Fuel The Market Growth

One of many people's most significant developmental phases is purchasing their first home. This component, though, is always accompanied by certain expenses. The price of the furniture and other furnishings customers require can quickly pile up depending on the size of their own four walls and needs. The housing facility is one of the most typical reasons for taking out a loan in Germany because the requisite savings are frequently missing at a young age. A kitchen is often always a necessary expenditure, which also accounts for a sizeable portion, even if some furniture is already present. Currently, 42% of German families use consumer loans to finance purchases for home. Low-interest rates and a lowered inhibition threshold both contribute to the fact that this percentage is rising. Thus, all these factors play an essential role in boosting the Germany loan market.

Market Segmentation

The Germany Loan Market is segmented based on type, provider type, interest rate, tenure period, region, and competitional landscape. Based on type, the market is further bifurcated into secured and unsecured loans. Based on provider type, the market is segmented into bank, non-banking financial companies, and others (fintech companies). Based on interest rates, the market is segmented into fixed and floating. On the basis of tenure, the market is segmented into less than 5 years, 5-10 years, 11-20 years, and more than 20 years. Based on region, the market is divided into South-West, South-East, North-West, and North-East.

Company Profiles

Deutsche Bank AG, DZ BANK Group, KfW Group, Commerzbank, UniCreditBank AG, LBBW Group, BayernLB Group, NORD/LB, Helaba (Landesbank Hessen-Thüringen) and NRW.BANK are the major players driving the Germany Loan Market.

Attribute

Details

Base Year

2022

Historical Years

2018–2021

Estimated Year

2023

Forecast Period

2024 –2028

Quantitative Units

Revenue in USD Million and CAGR for 2018-2022 and 2023- 2028

Report Coverage

Revenue forecast, company share, competitive landscape, growth factors, and trends

Segments Covered

Type

Provider Type

Interest Rate

Tenure Period

Company

Regional Scope

 South-West, South-East, North-West and North-East

Key Companies Profiled

Deutsche Bank AG, DZ BANK Group, KfW Group, Commerzbank, UniCreditBank AG, LBBW Group, BayernLB Group, NORD/LB, Helaba (Landesbank Hessen-Thüringen) and NRW.BANK

Customization Scope

10% free report customization with purchase. Addition or alteration to country, regional & segment scope.

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Delivery Format

PDF and Excel through Email (We can also provide the editable version of the report in PPT/pdf format on special request)

 

Report Scope:

In this report, Germany loan market has been segmented into following categories, in addition to the industry trends which have also been detailed below:

  • Germany Loan Market, By Type:
    • Secured Loan
    • Unsecured Loan
  • Germany Loan Market, By Provider Type:
    • Bank
    • Non-Banking Financial Companies
    • Others
  • Germany Loan Market, By Interest Rate:
    • Fixed
    • Floating
  • Germany Loan Market, By Tenure Period:
    • Less than 5 Years
    • 5-10 Years
    • 11-20 Years
    • More than 20 Years
  • Germany Loan Market, By Region:
    • South-West
    • South-East
    • North-West
    • North-East

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in Germany loan market.

Available Customizations:

With the given market data, TechSci Research offers customizations according to a company’s specific needs. The following customization options are available for the report:

Company Information

  • Detailed analysis and profiling of additional market players (up to five).

Germany Loan Market is an upcoming report to be released soon. If you wish an early delivery of this report or want to confirm the date of release, please contact us at [email protected]

Table of content

Table of content

1.    Introduction

1.1.  Product Overview

1.2.  Key Highlights of the Report

1.3.  Market Coverage

1.4.  Market Segments Covered

1.5.  Research Tenure Considered

2.    Research Methodology

2.1.  Objective of the Study

2.2.  Baseline Methodology

2.3.  Key Industry Partners

2.4.  Major Association and Secondary Sources

2.5.  Forecasting Methodology

2.6.  Data Triangulation & Validation

2.7.  Assumptions and Limitations

3.    Executive Summary      

3.1.  Market Overview

3.2.  Market Forecast

3.3.  Key Regions

3.4.  Key Segments

4.    Voice of Customer Analysis

4.1.  Brand Awareness

4.2.  Factors Influencing Loan Availing Decision

4.3.  Sources of Information

4.4.  Challenges Faced

5.    Germany Loan Market Outlook

5.1.  Market Size & Forecast        

5.1.1.    By Value

5.2.  Market Share & Forecast

5.2.1.    By Type Market Share Analysis (Secured Loan and Unsecured Loan)

5.2.2.    By Provider Type Market Share Analysis (Bank, Non-Banking Financial Companies and Others (Fintech Companies))

5.2.3.    By Interest Rate Market Share Analysis (Fixed and Floating)

5.2.4.    By Tenure Period Market Share Analysis (Less than 5 Years, 5-10 Years, 11-20 Years, More than 20 Years)

5.2.5.    By Regional Market Share Analysis

5.2.5.1.        South-West Market Analysis

5.2.5.2.        South-East Market Analysis

5.2.5.3.        North-West Market Analysis

5.2.5.4.        North-East Market Analysis

5.2.6.    By Top 5 Companies Market Share Analysis, Others (2022)

5.3.  Germany Loan Market Mapping & Opportunity Assessment

5.3.1.    By Type Market Mapping & Opportunity Assessment

5.3.2.    By Provider Type Market Mapping & Opportunity Assessment

5.3.3.    By Interest Rate Market Mapping & Opportunity Assessment

5.3.4.    By Tenure Period Market Mapping & Opportunity Assessment

5.3.5.    By Regional Market Mapping & Opportunity Assessment

6.    Germany Secured Loan Market Outlook

6.1.  Market Size & Forecast        

6.1.1.    By Value

6.2.  Market Share & Forecast

6.2.1.    By Product Type Market Share Analysis (Mortgage Loan, Housing Loan, Auto Loan and Others)

6.2.2.    By Provider Type Market Share Analysis

6.2.3.    By Interest Rate Market Share Analysis

6.2.4.    By Tenure Period Market Share Analysis

7.    Germany Unsecured Loan Market Outlook

7.1.  Market Size & Forecast        

7.1.1.    By Value

7.2.  Market Share & Forecast

7.2.1.    By Product Type Market Share Analysis (Personal Loan, Education Loan, Agricultural Loan and Others)

7.2.2.    By Provider Type Market Share Analysis

7.2.3.    By Interest Rate Market Share Analysis

7.2.4.    By Tenure Period Market Share Analysis

8.    Market Dynamics

8.1.  Drivers

8.1.1.    Rise in potential auto loan buyers

8.1.2.    Booming online loans

8.1.3.    Increasing financing facility

8.2.  Challenges

8.2.1.    Security concerns

8.2.2.    Surging competition from NBFCs

9.    Impact of COVID-19 on Germany Loan Market

10.  Market Trends & Developments

10.1.             Increasing support of online portals

10.2.             Rapid urbanization

10.3.             Attractive marketing strategies

10.4.             Rising focus towards loan sector by Bank and NBFCs

10.5.             Increasing support from chatbots

11.  Germany Economic Profile

12.  Policy & Regulatory Landscape

13.  Competitive Landscape

13.1.             Company Profiles

13.1.1. Deutsche Bank AG

13.1.1.1.     Company Details

13.1.1.2.     Product & Services

13.1.1.3.     Financials (As Reported)

13.1.1.4.     Key market Focus & Geographical Presence

13.1.1.5.     Recent Developments

13.1.1.6.     Key Management Personnel

13.1.2. DZ BANK Group

13.1.2.1.     Company Details

13.1.2.2.     Product & Services

13.1.2.3.     Financials (As Reported)

13.1.2.4.     Key market Focus & Geographical Presence

13.1.2.5.     Recent Developments

13.1.2.6.     Key Management Personnel

13.1.3. KfW Group

13.1.3.1.     Company Details

13.1.3.2.     Product & Services

13.1.3.3.     Financials (As Reported)

13.1.3.4.     Key market Focus & Geographical Presence

13.1.3.5.     Recent Developments

13.1.3.6.     Key Management Personnel

13.1.4. Commerzbank

13.1.4.1.     Company Details

13.1.4.2.     Product & Services

13.1.4.3.     Financials (As Reported)

13.1.4.4.     Key market Focus & Geographical Presence

13.1.4.5.     Recent Developments

13.1.4.6.     Key Management Personnel

13.1.5. UniCreditBank AG

13.1.5.1.     Company Details

13.1.5.2.     Product & Services

13.1.5.3.     Financials (As Reported)

13.1.5.4.     Key market Focus & Geographical Presence

13.1.5.5.     Recent Developments

13.1.5.6.     Key Management Personnel

13.1.6. LBBW Group

13.1.6.1.     Company Details

13.1.6.2.     Product & Services

13.1.6.3.     Financials (As Reported)

13.1.6.4.     Key market Focus & Geographical Presence

13.1.6.5.     Recent Developments

13.1.6.6.     Key Management Personnel

13.1.7. BayernLB Group

13.1.7.1.     Company Details

13.1.7.2.     Product & Services

13.1.7.3.     Financials (As Reported)

13.1.7.4.     Key market Focus & Geographical Presence

13.1.7.5.     Recent Developments

13.1.7.6.     Key Management Personnel

13.1.8. NORD/LB

13.1.8.1.     Company Details

13.1.8.2.     Product & Services

13.1.8.3.     Financials (As Reported)

13.1.8.4.     Key market Focus & Geographical Presence

13.1.8.5.     Recent Developments

13.1.8.6.     Key Management Personnel

13.1.9. Helaba (Landesbank Hessen-Thüringen)

13.1.9.1.     Company Details

13.1.9.2.     Product & Services

13.1.9.3.     Financials (As Reported)

13.1.9.4.     Key market Focus & Geographical Presence

13.1.9.5.     Recent Developments

13.1.9.6.     Key Management Personnel

13.1.10.               NRW.BANK

13.1.10.1.   Company Details

13.1.10.2.   Product & Services

13.1.10.3.   Financials (As Reported)

13.1.10.4.   Key market Focus & Geographical Presence

13.1.10.5.   Recent Developments

13.1.10.6.   Key Management Personnel

14.  Strategic Recommendations/Action Plan

14.1.             Key Focus Areas

14.2.             Target Type

14.3.             Target Provider Type

15.  About Us & Disclaimer

(Note: The companies list can be customized based on the client requirements.)

Figures and Tables

Frequently asked questions

Frequently asked questions

The key factors driving the growth of the Germany Loan Market are increasing digitization, rising preference for a loan among the young generation, increasing car loan buyers, and low-interest rates.

In October 2022, the Germany bank lending rate was reported to be 3.14% p.a. This represents a rise from the prior figure of 2.60% p.a, for September 2022.

The largest credit agency in Germany, Schufa Holding AG, most certainly tracks and records user creditworthiness information. This is done for everyone registered in Germany.

The key players in Germany Loan Market are Deutsche Bank AG, DZ BANK Group, KfW Group, Commerzbank, UniCreditBank AG, LBBW Group, BayernLB Group, NORD/LB, Helaba (Landesbank Hessen-Thüringen), and NRW.BANK.

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