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Optimale Darlehensbündel in der privaten Immobilienfinanzierung


  • Dennis Kundisch

    (Universität Paderborn, Fakultät für Wirtschaftswissenschaften, Lehrstuhl für Wirtschaftsinformatik 2 Information Management & E-Finance, D-33095 Paderborn)

  • Jochen Dzienziol

    (Finalix AG, Baarerstrasse 110a, CH-6302 Zug/Schweiz)


This contribution focuses on the so far sparsely addressed issue of structuring mortgage lending for private clients based on differing nominal interest rates, which can be observed in the market. Hitherto ignored optimization potentials are identified and thus, systematically wrong financial advice can be avoided. Moreover, the results may serve as relevant starting points for an extension of existing business models of online financial intermediaries.

Suggested Citation

  • Dennis Kundisch & Jochen Dzienziol, 2009. "Optimale Darlehensbündel in der privaten Immobilienfinanzierung," Credit and Capital Markets, Credit and Capital Markets, vol. 42(4), pages 539-562.
  • Handle: RePEc:kuk:journl:v:42:y:2009:i:4:p:539-562

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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance


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