Bausparkasse Schwäbisch Hall
- Company typePrivate
- Founded1931
- HeadquartersSchwäbisch Hall, Germany
- Headcount5,001–10,000
- GTM typeB2C
- OfferingServices
Bausparkasse Schwäbisch Hall firmographics
Firmographics- Name
- Bausparkasse Schwäbisch Hall
- Legal name
- Bausparkasse Schwäbisch Hall AG
- Website
- https://schwaebisch-hall.de
- Company type
- Private
- Founded year
- 1931
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
Bausparkasse Schwäbisch Hall industry classification
Industry- Product category
- Building Society / Mortgage Lending
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Housing & Urban Development Banks (Public) (FSABAKAG)
- akta.pro secondary industry
- Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF)
Keywords
Where Bausparkasse Schwäbisch Hall is headquartered
LocationHeadquarters
- HQ city
- Schwäbisch Hall
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Bausparkasse Schwäbisch Hall business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Bausparvertrag (Building Savings Contracts): Revenue generated from building savings contracts including account fees, contract conclusion fees (Abschlussgebühr), and interest spread between savings deposits and loan lending rates. Customers pay a one-time contract fee (typically 1.6% of Bausparsumme) and monthly savings installments.
- Bauspardarlehen (Building Savings Loans): Interest income from Bauspardarlehen (building savings loans) provided after contract allocation (Zuteilung). These are mortgage-backed loans with fixed interest rates secured at contract signing.
- SofortBaugeld (Immediate Construction Loans): Direct construction financing products including FuchsKonstant (constant rate loans) and FuchsBauDarlehen (annuity loans) with terms up to 30 years and loan amounts up to 50,000 EUR without land charge registration.
- Modernisierungskredite (Modernization Loans): Specialized loans for energy-efficient modernization, renovation, and retrofitting including FuchsEco tariff for energetic improvements.
- Wohn-Riester Products: State-subsidized retirement housing products combining building savings with Riester pension subsidies for residential property purchase or renovation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Fuchs Immo (XP/XL/XS): For property purchase, construction, or follow-up financing |
| Subscription | Monthly | FuchsEco (XE10/XT): For energy-efficient modernization |
| Subscription | Monthly | FuchsStart (XX/XY): For building savings beginners |
| One time/ perpetual license | Pay-as-you-go | Contract Fee (Abschlussgebühr) |
| Subscription | Monthly | Representative Example: XS 06 Tariff |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels8 records
Bausparkasse Schwäbisch Hall product offering
Product offeringCore offering
Bausparkasse Schwäbisch Hall is Germany's largest building society (Bausparkasse), offering Bausparvertrag (building savings contracts) that combine a savings phase with entitlement to a low-interest Bauspardarlehen (building savings loan). The portfolio also includes Baufinanzierung (construction financing), Modernisierungskredite (modernization loans), Anschlussfinanzierung (follow-up financing), Wohn-Riester state-subsidized retirement housing products, and integration of government subsidies such as Wohnungsbauprämie and Arbeitnehmersparzulage.
Product overview
Bausparkasse Schwäbisch Hall is Germany's largest building society, operating as a cooperative financial institution (Genossenschaftliche FinanzGruppe). The core offering centers on the Bausparvertrag (building savings contract) system, combining a savings phase with entitlement to low-interest Bauspardarlehen (building loans). The product portfolio spans multiple tariff variants organized around life stages and use cases: FuchsImmo for property buyers and Anschlussfinanzierung customers, FuchsEco for energy-efficient modernization, and FuchsStart for young savers. Immediate financing needs are served through SofortBaugeld products (FuchsKonstant and FuchsBauDarlehen). The company integrates government subsidies including Wohn-Riester, Wohnungsbauprämie, and vermögenswirksame Leistungen into its offering. Digital services include online calculators and the MEIN KONTO self-service portal. Customers are served through approximately 3,000 field advisors (Heimatexperten) and around 600 cooperative partner banks.
Differentiator
Problem solved
Functional benefit
Brands
- Schwäbisch Hall: Primary brand name of the building society, used in all marketing and product materials.
- Fuchs
- Heimatexperten
Products and services
- Bausparvertrag (Building Savings Contract)
Quantifiable outcome
- Fuchs Immo XS/WS tariff offers effective annual interest rate of 1.44% for modernization financing
- +6 more outcomes
Companies that use Bausparkasse Schwäbisch Hall
Customer profileSegments6 records
Ideal customer profiles6 records
Bausparkasse Schwäbisch Hall technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Bausparkasse Schwäbisch Hall partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreSchwäbisch Hall operates as part of the cooperative financial group (Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken), leveraging approximately 600 partner banks for product distribution across Germany. This partnership provides access to a nationwide banking network for customer acquisition and integrated financial services including insurance, investment, and mortgage products.
- Volksbanken Raiffeisenbanken (Cooperative Banks)coreApproximately 600 cooperative banks serve as distribution channels for Schwäbisch Hall products, offering Bauspar and construction financing products alongside their core banking services.
- Union InvestmentminorInvestment partner within the cooperative financial group, offering investment fund products complementary to building savings and construction financing.
- Münchener Hypothekenbank eGminorMortgage bank partner within the cooperative financial group, providing commercial mortgage financing capabilities.
- R+V VersicherungminorInsurance partner within the cooperative financial group, offering insurance products including FuchsRisikolebensversicherung (risk life insurance) for construction finance protection.
- easyCreditminorCredit partner within the cooperative financial group offering consumer credit products.
- DZ HYPminorMortgage bank partner within the cooperative financial group providing public mortgage lending.
- DZ BankminorCentral bank of the cooperative financial group, providing capital market access and wholesale banking services.
- VR Smart FinanzminorDigital financing solution within the cooperative financial group offering integrated financing management tools.
- DZ PrivatbankminorPrivate banking partner within the cooperative financial group providing wealth management services.
- ReisebankminorSpecialized banking partner within the cooperative financial group.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Bausparkasse Schwäbisch Hall competitors and assessment
Company assessmentDirect peers
- Interhyp: Interhyp is Germany's largest independent mortgage broker, sourcing Baufinanzierung from ~400 lenders. It is a direct competitor for the financing leg of Schwäbisch Hall's offering and increasingly competes for the full customer relationship.
- BHW Bausparkasse: BHW is a German building society now owned by Deutsche Bank, offering building savings contracts and construction financing. It competes head-to-head with Schwäbisch Hall in the Bausparvertrag and postbank-affiliated distribution channels.
- Deutsche Bausparkasse Badenia: Badenia is a mid-sized German building society focused on Bausparen and Baufinanzierung. It is a direct niche competitor with similar product structure.
- Wüstenrot Bausparkasse: Wüstenrot is Germany's other major private building society, offering Bausparverträge, Baufinanzierung and Wohn-Riester products. It is the closest direct competitor to Schwäbisch Hall in the German Bausparkasse market with a comparable nationwide footprint.
- Alte Leipziger Bausparkasse: Alte Leipziger operates a Bausparkasse as part of its insurance and financial services group, offering Bausparverträge and Baufinanzierung. It is a mid-tier direct competitor in the German building society market.
- Dr. Klein Privatkunden AG: Dr. Klein is a major German mortgage broker and financial product distributor. It competes with Schwäbisch Hall in Baufinanzierung origination and provides comparison-led acquisition channels.
- LBS (Landesbausparkassen): The LBS group comprises regional public-sector building societies that collectively are the second-largest Bausparkasse network in Germany. They offer the same core Bausparvertrag and Baufinanzierung products as Schwäbisch Hall, primarily competing through the Sparkassen distribution channel.
Broad incumbents
- ING-DiBa: ING-DiBa is Germany's largest direct bank with a significant Baufinanzierung franchise. It competes with Schwäbisch Hall in mortgage origination but does not offer the Bausparvertrag product, positioning it as a partial substitute.
- Münchener Hypothekenbank eG: Münchener Hypothekenbank is a cooperative mortgage bank within the same Genossenschaftliche FinanzGruppe as Schwäbisch Hall, focused on commercial and residential mortgage lending. It is a complementary rather than head-to-head competitor.
- DKB (Deutsche Kreditbank): DKB is a large German direct/online bank offering Baufinanzierung alongside its core checking account business. It is a digital competitor for the construction-financing leg of Schwäbisch Hall's offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Bausparkasse Schwäbisch Hall social profiles
Digital presenceBausparkasse Schwäbisch Hall compliance and trust
Trust signalCompliance3 records
Bausparkasse Schwäbisch Hall financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bausparkasse Schwäbisch Hall leadership team
Management profileNumber of profiles
Profiles1 record
Bausparkasse Schwäbisch Hall subsidiaries and ownership
Company hierarchySubsidiaries2 records
Bausparkasse Schwäbisch Hall funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bausparkasse Schwäbisch Hall M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bausparkasse Schwäbisch Hall
What does Bausparkasse Schwäbisch Hall do?
Bausparkasse Schwäbisch Hall is Germany's largest building society (Bausparkasse), offering Bausparvertrag (building savings contracts) that combine a savings phase with entitlement to a low-interest Bauspardarlehen (building savings loan). The portfolio also includes Baufinanzierung (construction financing), Modernisierungskredite (modernization loans), Anschlussfinanzierung (follow-up financing), Wohn-Riester state-subsidized retirement housing products, and integration of government subsidies such as Wohnungsbauprämie and Arbeitnehmersparzulage.
Is Bausparkasse Schwäbisch Hall a public or private company?
Bausparkasse Schwäbisch Hall is a private company. It is classified as corporate owned and is currently operating.
When was Bausparkasse Schwäbisch Hall founded?
Bausparkasse Schwäbisch Hall was founded in 1931. It employs 5,001 to 10,000 people.
Where is Bausparkasse Schwäbisch Hall based?
Bausparkasse Schwäbisch Hall is headquartered in Schwäbisch Hall, Germany, in the Europe region.
How does Bausparkasse Schwäbisch Hall make money?
Five revenue lines are on record. Bausparvertrag (Building Savings Contracts) is the primary driver. The others are bauspardarlehen (Building Savings Loans), sofortBaugeld (Immediate Construction Loans), modernisierungskredite (Modernization Loans) and wohn-Riester Products.
Who are Bausparkasse Schwäbisch Hall's main competitors?
Direct peers on record are Interhyp, BHW Bausparkasse, Deutsche Bausparkasse Badenia, Wüstenrot Bausparkasse, Alte Leipziger Bausparkasse, Dr. Klein Privatkunden AG and LBS (Landesbausparkassen). Broad incumbents are ING-DiBa, Münchener Hypothekenbank eG and DKB (Deutsche Kreditbank).
Does Bausparkasse Schwäbisch Hall have an API?
No public API is recorded for Bausparkasse Schwäbisch Hall.
What industry is Bausparkasse Schwäbisch Hall in?
Bausparkasse Schwäbisch Hall's product category is Building Society / Mortgage Lending. Its primary akta.pro industry code is FSABAKAG, Housing & Urban Development Banks (Public), with a secondary code of FSALAKAF, Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans). Its SIC code is 6036.