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Tag: Avobis

  • Core statements of the research paper “Sustainability in the mortgage business

    Core statements of the research paper “Sustainability in the mortgage business

    The importance of mortgages to achieve the 2050 climate targets

    1. The building sector is a major contributor to energy consumption and CO2 emissions, so sustainable retrofits and energy-efficient design are necessary to achieve the 2050 climate targets.
    1. Mortgages are crucial for energy retrofits and efficiency improvements of buildings. By aligning mortgage terms with sustainability goals, banks and lenders can incentivise owners to green their properties and thus contribute to achieving climate goals.
    1. Within the framework of self-regulation, banks undertake to create better incentives for more sustainability in the areas of loan-to-value, affordability, amortisation and interest rates, especially for private owners. A large proportion of mortgages are granted to private owners.

    The role of private owners

    1. Private owners are fundamentally worse off in terms of sustainability compared to institutional owners, although for a long time the problem was at the level of “will”. Increased energy prices and interest costs, as well as increased regulation and public interest, have likely increased willingness.
    1. Cognitive barriers need to be broken down through comprehensive advice in order to increase the renovation rate among private owners. Many owners do not realise that sustainability can be financially rewarding as it can lead to higher occupancy rates, rental income, lower operating costs, higher liquidity and lower risk premiums, which in turn increases the value of the property.
    1. Financial barriers need to be removed to increase the rate of renovation among private owners. Attractive mortgage conditions can ultimately persuade them to act after readiness and education.

    Offering green mortgages

    1. Mortgage financing that financially rewards and encourages sustainable behaviour already exists and is integrated into the product offerings of many lenders. There is currently no standard taxonomy and various certificates are used to classify sustainability.
    1. Green mortgages include advantageous terms but can be criticised for inefficiencies and potential greenwashing. In addition, positions and environmental impacts are rarely communicated externally.
    1. Lenders that are actually engaged can finance their lending of green mortgages by issuing green bonds and thus be more efficient and transparent. In doing so, they also increase their competitiveness and enhance their credibility.

    What should be expected as a private owner?

    1. Owners should be aware that green practices can increase property values in different ways, while less sustainable buildings risk becoming stranded assets due to future regulatory measures and market changes.
    1. In the future, an improved database and more accurate tools may allow for a more precise recording of CO2 emissions and grey energy of real estate, which would lead to more efficient and symmetrical pricing in lending. This would allow green properties to be financed at more favourable conditions, while non-green properties might receive less favourable conditions.

    More detailed info at www.avobis.ch/wp-content/uploads/esg-im-hypothekargeschaeft_final.pdf

  • Avobis takes over the credit factory and underpins its leading position in the area of mortgage servicing

    Avobis takes over the credit factory and underpins its leading position in the area of mortgage servicing

    Die Avobis Invest AG übernimmt die Kreditfabrik AG rückwirkend auf den 1. Januar 2022 mitsamt dem Kundenstamm und den Kreditspezialisten und untermauert damit die Führungsposition im Bereich des Hypotheken-Servicings. Mit den übernommenen Kundenbeziehungen verwaltet Avobis nun ein Kreditvolumen von über zwölf Milliarden Franken und baut damit seine Nummer 1-Stellung im Markt noch weiter aus. Zudem verfügt die Avobis Invest AG über eine Bewilligung der FINMA als Vermögensverwalterin für kollektive Kapitalanlagen und bietet mittlerweile das breiteste Dienstleistungsangebot für alle Kundensegmente im Markt an. «Das Hypotheken-Servicing ist für Avobis seit 25 Jahren einer der strategischen Grundpfeiler. Wir freuen uns sehr, dies mit der Integration der Kreditfabrik zu unterstreichen. Avobis ist nun der grösste Anbieter auf dem Schweizer Markt, der sowohl Pensionskassen, Anlagestiftungen, Versicherungen sowie auch alle Arten von Banken als Hypothekar-Servicing-Kunden mit der für sie passenden Lösung betreuen kann», sagt Andreas Granella, Geschäftsführer der Avobis Invest AG. Auch Stefan Hermann, bisheriger Verwaltungsratspräsident der Kreditfabrik AG, ist überzeugt: «Unsere Kunden profitieren nun vom geballten Know-how und der Kompetenz beider Unternehmen – eine Win-Win-Situation für alle Beteiligten.»

    Neue Investitionsmöglichkeiten für institutionelle Anleger
    Die Avobis Invest AG plant zudem, den Bereich der Investmentprodukte weiter zu verstärken, um die Position als One-Stop-Shop für alle Dienstleistungen entlang der gesamten Immobilien-Wertschöpfungskette zu stärken. Dafür soll die bereits seit 20 Jahren bestehende Palette an Anlagemöglichkeiten für institutionelle Investoren um weitere Investmentprodukte erweitert werden. Die Entwicklung erfolgt in den nächsten 12 Monaten und ermöglicht Investoren spannende Anlagemöglichkeiten auf der Aktiv- sowie auch auf der Passivseite der Bilanz.


    Medienkontakt
    Nicole Fankhauser
    Communications Manager
    Tel. +41 58 255 39 42
    communications@avobis.ch

  • Avobis takes over Kreditfabrik

    Avobis takes over Kreditfabrik

    Zurich -based Avobis has taken over the credit factory from Horgen ZH via Avobis Invest AG. The real estate and mortgage service provider, which specializes in independent, integrated and technology-based real estate and financing solutions, intends to use the integration to further expand its market position in mortgage servicing.

    As Avobis writes in a press release , both companies are leading providers of mortgage services. Avobis has been strongly positioned in servicing solutions in the mortgage market for 25 years. Kreditfabrik specializes in services for the processing, management and risk assessment of mortgages.

    Thanks to Kreditfabrik's customer relationships, Avobis will have a credit volume of over CHF 12 billion after the takeover and will be able to underline its "number 1 position in the market". "Avobis is the largest provider on the Swiss market that can support pension funds, investment foundations, insurance companies and all types of banks as mortgage servicing customers with the right solution for them," says Andreas Granella, Managing Director of Avobis Invest AG . As an asset manager for collective capital investments, Avobis Invest AG offers services for all customer segments.

    In order to complete the range of services "along the entire real estate value chain", Avobis Invest AG also wants to create additional investment opportunities for institutional investors in the coming year by introducing new products.

  • Gebäudehülle.swiss and Avobis win Best of Swiss Web Awards

    Gebäudehülle.swiss and Avobis win Best of Swiss Web Awards

    The Zurich group of companies Avobis has won four awards at the Best of Swiss Web Awards 2022 . The jury awarded the real estate matching platform Property Captain gold in the innovation category, silver in the technology category and bronze in the business category . VERIT Immobilien , a company of the Avobis Group, also won the silver medal in the productivity category.

    VERIT Immobilien shortens the duration of re-letting by up to 90 percent thanks to a fully digital process. “Prospective tenants experience a new, digital customer experience from the application, through the conclusion of the tenant’s deposit, the signing of the rental contract to ordering the name badges,” says the media release.

    Property Captain provides its users with “particularly impressive and promising” support when buying a property. The platform emerged as the winner from more than 350 submitted projects.

    The industry portal of the competence center for building envelope specialists, gebäudehülle.swiss , won the special award Best of .swiss for its quality craftsmanship and the implementation of Swiss values such as reliability, innovation and multilingualism. Both the structured directory of the 600 members and the surprising shop solution were convincing. “The association’s appearance was convincing in all aspects,” says a media release .

  • PropTech Map is growing strongly again

    PropTech Map is growing strongly again

    PropTech Map is growing strongly again. Some of the new additions to the PropTech Map Switzerland come from RENT 21, the real estate event from Lausanne. The “Marketplaces” category recorded a decline. The PropTech Map Switzerland has grown by 16 entries. A total of 350 PropTechs will soon be found in 11 categories.

    Various PropTechs, akenza.io , PriceHubble , architrave and realcube , gave themselves a new look, including a new logo.

    The new report Swiss Venture Insights shows where all the money went in the 3rd quarter of 2021. PropTechs have also received crumbs.

    Here are the new additions

    • Construction: medusoil.com and raumpioniereai.com
    • Finance: The mortgage broker Moneypark was previously not to be found on the PropTech Map Switerland. With the new activities related to real estate brokerage, they are now part of it. tilbago.ch has specialized in the one solution for debt enforcement and loss certificates. Migros Bank is said to be behind the mortgage broker cactous.ch.
    • Floorplan AR / VR 3D: uzufly.com , mytourlive.com, visualreality3d.ch and backbone. As recently announced, the western Swiss startup backbone was able to successfully close a financing round.
    • Marketplaces: The Avobis Group launched a new property marketplace with propertycaptain.ch. With the integration of Neue Aaargauer Bank into Credit Suisse, the regional marketplace nabhome.ch has disappeared. According to a well-informed source, the CS is planning new activities in the area of living. The lookmove marketplace is active in western Switzerland. This PropTech says of itself that they have the largest range of properties. lookmove could be an interesting alternative for all financial service providers in Switzerland who (now) want to jump on the bandwagon of the “living” ecosystem. lookmove is currently planning a financing round to finance international expansion.
    • Services: Swiss AI, mybeppo.ch, immowise and iNCH
    • Smart Building: Another PropTech from western Switzerland is called local-energy.ch, while zevvy.ch comes from Central Switzerland.
    • Software: ziffu.io and prozessfux.com

    PropTech Map is growing strongly again. Compared to Germany, Switzerland has an extremely attractive, diverse and, above all, much larger PropTech scene.

    Source: Heinz M. Schwyter , https://proptechnews.ch/2021/10/11/proptech-map-waechst-wieder-stark/

  • Avobis launches real estate platform

    Avobis launches real estate platform

    Avobis is launching a new real estate platform. Property Captain should cover the entire spectrum from the search to financing, insurance and maintenance to the valuation, purchase or sale of properties, the Zurich-based real estate and mortgage service provider informs in a message . The platform uses artificial intelligence for this purpose. “Property Captain is pursuing the vision of matching the four million residential properties with the individual dream homes of the Swiss population and thus improving satisfaction with the living situation”, Avobis Co-CEO Patrick Schmid is quoted in the press release.

    The new Avobis subsidiary is designed as an open platform with an independent network of partners. Around 120 financing partners and 150 brokerage companies were already involved in the launch, Avobis informs. The group was able to win Bank CIC (Schweiz) AG as an innovation partner.

    Avobis will bundle all of its own offers for private customers, in particular the corresponding mortgage services, in the new Property Captain Tech AG, is further explained in the announcement. Myriam Reinle is to take over the management of the Proptech. In the press release, Avobis refers to Reinle’s many years of experience in managing online marketplaces and tech start-ups. The designated head of Property Captain was active in the real estate industry for ImmoStreet and Homegate , a company belonging to the TX Group.