Overview
- Instant‑Baufi is live in Germany and can return a binding financing statement in as little as 30 minutes, according to ING.
- The system builds a digital twin of the property from official and public data to standardize details like living area, plot size and year built.
- A one‑time digital account view, used with customer consent, checks income and available equity and replaces many traditional proofs.
- Paperwork drops sharply, as customers typically skip payslips, floor plans and cadastral maps, with only the energy certificate still required.
- The rollout begins on a limited basis at roughly 15–20% of Interhyp cases, and an adviser and a human credit officer still handle the final steps.