Apply for a loan brokerage permit
Description
You need a permit if you want to offer the following on a commercial basis:
- Brokerage of real estate (real estate agents),
- Brokerage of loan agreements (except real estate loans for consumers),
- Management of residential real estate (residential property manager) or
- Preparation or implementation of construction projects in one's own name or in the name of others (property developer, construction supervisor)
Depending on which permit you apply for, you are entitled to carry out the following activities, for example:
- Mediation of real estate and rights equivalent to real estate, as well as mediation of the sale, encumbrance, rental or lease of real estate
- brokerage of residential property as well as contracts for mortgages and land charges,
- Brokerage of commercial premises as well as residential premises, i.e. all types of space transfers including lease and subletting, i.e. also housing and accommodation brokerage.
- Arrangement of loans (except real estate financing for consumers)
- Planning or implementation of construction projects using third-party assets, for example with assets of tenants, lessees, other authorized users or persons applying for acquisition or usage rights. It makes no difference whether you act in your own name (property developer) or whether you act on behalf of third parties (construction supervisor). For example, the following activities can be considered: submitting a building application, commissioning architects and craftsmen, procuring and retrieving financing, taking out insurance, calculating later rents.
- Management of rented apartments or the common condominium of several people. You are an administrator, for example, if you
- carry out resolutions of the apartment owners and ensure that the house rules are enforced;
- take the measures necessary for the proper maintenance and repair of the common property;
- arrange for and receive all payments and services related to the day-to-day management of the common property;
- manage funds raised.
For the brokerage of real estate consumer loan agreements, you need a different, separate trade permit.
Anyone who works commercially as a real estate agent, property developer or building supervisor in Halle (Saale) also needs a business license in addition to the business registration.
- They have the reliability required for commercial operations. As a rule, you do not have this if you have been convicted of a crime or a pecuniary crime (as defined in more detail by law) within the last 5 years.
- You live in orderly financial circumstances: no insolvency proceedings have been opened against your assets or have been dismissed for lack of assets.
- If you would like to work as a residential property manager, you need professional liability insurance of at least EUR 500,000 for each insured event and EUR 1,000,000 for all insured events in one year.
- Copy of identity card or passport with registration certificate or presentation on site.
- Proof of orderly financial circumstances
- if you are resident in Germany, usually:
- Excerpt from the list of debtors
- Certificate from the insolvency court
- Certificate in tax matters (from the tax office)
- if you live abroad: documents from your home country that prove your orderly financial circumstances
- if you are resident in Germany, usually:
- Proof of entrepreneurial legal form:
- in the case of a registered office in Germany: in the case of companies entered in a register: excerpt from the commercial register or the partnership register or the cooperative register
- in the case of the company's registered office abroad: documents from the country of domicile proving the legal form
- Proof of personal reliability:
- if you are resident in Germany:
- Certificate of good conduct for submission to an authority
- Excerpt from the Central Trade Register for submission to an authority
- if you live abroad: documents from your country of residence that prove your personal reliability
- if you are resident in Germany:
In order to verify personal reliability, the competent authority may request further documents.
In the case of legal entities such as a limited liability company, you must submit (e.g. personal papers) or apply for the personal documents for all natural persons authorised to manage the business (e.g. extract from the central trade register for submission to an authority).
For the legal entity, you also need an excerpt from the Central Trade Register for submission to an authority.
Partnerships such as a GbR, KG, OHG, PartG or GmbH & Co. KG are not eligible for approval as such.
Therefore, every managing partner needs permission. Submit a completed application form and all personal documents for each of these individuals.
If you would like to work as a residential property manager, you must provide proof that you have taken out professional liability insurance as required by law.
Single trade
- completely filled out application for permission according to § 34c GewO (German Trade Regulation Act)
- certificate of good conduct for submission to an authority (not older than 3 months) to be applied for at the registration office responsible for the place of residence (residents of the city of Halle (Saale) can submit the application to the Trade Team)
- information from thecentral business register for submission to a public authority (not older than 3 months), can be applied for in the Gewerbe Team (Trade Team)
- information from the insolvency register (not older than 3 months) to be applied for at the Local Court Halle (Saale), Justice Center, Thüringer Straße 16
- obtain information from the debtors' register in accordance with the new law on entries as of 1.1.2013 atwww.vollstreckungsportal.de itself
- a tax certificate from the responsibletax office(not older than 3 months)
- a tax certificate from the tax department
Only for legal entities - GmbH, AG, UG (haftungsbeschränkt)
- the same personal requirements as for a sole trader (the documents here refer to the future managing director(s).)
- Commercial register sheet
The fee, in the amount of EUR 250.00 to EUR 900.00, is charged in accordance with the General Fee Schedule of the State of Saxony-Anhalt (AIIGO LSA) cost tariff no. 69.11.1 according to the administrative expense in each individual case.
You must have the permit before the start of operation. Therefore, submit the application in good time, i.e. a few weeks before the intended start of operations.
For the activity as
- Real estate agent,
- Property developer
- Construction supervisor
- Residential property manager
applies: The permit is deemed to have been granted if the authority has not decided on your application within a period of 3 months after receipt of the complete documents.
At the same time, you must notify the authority responsible for business registrations of the start of the activity.
Please contact the trade office of your municipality or independent city.
The application may be submitted in person or by a third party, with power of attorney, upon presentation of a copy of the applicant's identity card.
Real estate agents and residential property managers as well as their staff are obliged to undergo regular further training in accordance with their activities.
When submitting the application, EUR 250.00 must be paid as an advance on costs during checkout hours using an ec card (no cash payment possible). The remaining fee is due when the permit is issued. The application cannot be processed until all the necessary documents relating to the applicant have been received. Tradesmen with a business license according to § 34c GewO (builder and building supervisor) are subject to the MaBV and have to submit an annual audit report or a corresponding declaration to the competent authority according to §16 para. 1 of this regulation. The auditing obligation only does not apply to real estate agents.
Federal Ministry for Economic Affairs and Energy
09.09.2021
The text was automatically translated based on the German content.
The text was automatically translated based on the German content.
06122 Halle (Saale), Stadt
Mon: closed
Tue: 09:00 - 12:00 and 13:00 - 17:00
Wed: closed
Thu: 09:00 - 12:00 and 13:00 - 16:00
Fri: closed
Sat: closed
Sun: closed
Fr. Grit Günther
06122 Halle (Saale), Stadt
Business license - Application according to §34c GewO
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