Updated October 14, 2026 · BorrowCue Editorial Team
Interhyp vs PSD Bank Nürnberg
Interhyp vs PSD Bank Nürnberg: the differences
| Compare |  Interhyp |  PSD Bank Nürnberg |
|---|---|---|
| Initial rate | 4.08%Lower | 4.3% |
| APRC | 4.08%Lower | 4.41% |
| Maximum loan to value | 100%Higher | 60% |
| Lender type | Broker | Direct lender |
Same on both: Fixed period (10 years), Product fee (€0), Purpose (Purchase, Remortgage).
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Key differences
- Founded is lower at PSD Bank Nürnberg: 1936 vs 1999.
- Initial rate is lower at Interhyp: 4.08% vs 4.3%.
- APRC is lower at Interhyp: 4.08% vs 4.41%.
- Maximum loan to value is higher at Interhyp: 100% vs 60%.
Our verdict on each
Interhyp
Interhyp suits German buyers and owners who want a fixed-rate mortgage with no arrangement charge. The initial rate is 4.08% and the APRC is 4.08%, with an origination fee of 0 EUR, and credit checks are hard, so weaker files may not qualify.
PSD Bank Nürnberg
PSD Bank Nürnberg PSD BauGeld finances building or buying property and modernization or renovation. Borrowers can request loan disbursement through the Monto mortgage portal.
Score breakdown
| Area | Interhyp | PSD Bank Nürnberg |
|---|---|---|
| Cost | 9.3HigherOrigination fee 0 EUR and product fee €0, with an initial rate of 4.08% and an APRC of 4.08%. | 9.1 |
| Offer | 9.5HigherBroker placing secured lending at a fixed rate for 10, terms of 120 to 240 and a maximum loan to value of 100%. | 8.9 |
| Trust | 8.6 | 9.3Higher |
How they place
| Ranking | Interhyp | PSD Bank Nürnberg |
|---|---|---|
| Mortgages | 165 of 716 | 193 of 716 |
| Remortgage deals | 116 of 351 | 139 of 351 |
| Home improvement loans | 228 of 562 | 254 of 562 |
What it costs in practice
200,000 over 25 years, first year
Interhyp
€12,774.34
€12,774.34 + 1 × €0
PSD Bank Nürnberg
€13,069
€13,069.00 + 1 × €0
Interhyp costs €294.66 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Licences and countries
| Country | Interhyp | PSD Bank Nürnberg |
|---|---|---|
| Germany |
Available in 1 country for both.
If neither fits
Smava has maximum loan to value at 110%, against 100% for Interhyp and 60% for PSD Bank Nürnberg.
Smava reviewWhat we checked
Interhyp
- interhyp.de: 11 facts, checked September 26, 2026
PSD Bank Nürnberg
- psd-nuernberg.de: 10 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Interhyp | PSD Bank Nürnberg |
|---|---|---|
| Legal entity | Interhyp AG | PSD Bank Nuernberg eG |
| Headquarters | Germany | Germany |
| Founded | 1999 | 1936Lower |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Loans
| Fact | Interhyp | PSD Bank Nürnberg |
|---|---|---|
| APR | 4.08% to 4.7%Lower | 5.22% |
| Loan amount | €375,000Higher | €10,000 to €80,000 |
| Term | 120 to 240 monthsHigher | 12 to 180 months |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | On purchase of an existing property disbursed in one sum once the land registry charge is registered; for new builds in instalments according to construction progress | Processed and disbursed as soon as possible |
| Representative example | Baufinanzierung (Annuitatenda rlehen): purchase price 450,000 EUR, equity 100,000 EUR, loan amount around 375,000 EUR, 2% initial repayment, 10 years fixed at 3.87%, monthly rate 1,834 EUR, residual 282,489 EUR | PSD MehrWertKredit: net loan EUR 10,000, 48 instalments of EUR 231.00, 48 months, Sollzins 5.10% p.a., effective annual rate 5.22% p.a. |
| Pricing model | Fixed rate | Fixed rate |
| Rate type | Fixed | Fixed |
| Free early repayment | Not confirmed | No |
| Eligibility | Adult of legal age and fully legally capable, regular income, fixed residence and fixed bank account in Germany, creditworthy | Adults with regular income from non-self-employed work and a permanent residence in Germany |
| Loan types | Secured | Personal |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | Interhyp | PSD Bank Nürnberg | Median |
|---|---|---|---|
| Initial rate | 4.08%below the median | 4.3%below the median | 4.73% |
| APRC | 4.08%below the median | 4.41%below the median | 5.18% |
| Fixed period | 10 yearsat the median | 10 yearsat the median | 10 years |
| Maximum loan to value | 100%highest quarter | 60%lowest quarter | 90% |
| Product fee | €0at the median | €0at the median | €0 |
Median across 286 listed lenders.
Pros and cons
Interhyp
Pros
- Origination fee of 0 EUR and a product fee of €0 on secured lending
- Initial rate of 4.08% with an APRC of 4.08%
- Fixed rate of fixed for 10, above the mortgage median of 6.5
Cons
- Credit checks are hard, so a thin credit history rules you out
- The initial rate of 4.08% sits below the 4.49% mortgage median
- Eligibility is narrow: adults of legal age and fully legally capable, with regular income, a fixed residence and a fixed bank account in Germany
PSD Bank Nürnberg
Pros
- Financing for building or buying property and for modernization or renovation.
- Loan disbursement requests can be made through the Monto portal.
Cons
- Financing is subject to approval and agreed contract terms.
Who each suits
Interhyp
Who it suits
- Adults of legal age and fully legally capable, with regular income and a fixed residence in Germany
- Buyers and owners needing a fixed-rate loan with a maximum loan to value of 100%
- Anyone refinancing an existing German mortgage
Who should look elsewhere
- Borrowers chasing the lowest headline rate, since Prestalo lists 2.36% against Interhyp's 4.08%
- Buyers who want a variable deal, since the rate type is fixed and no variable option is listed
- Applicants living outside Germany, since eligibility requires a fixed residence and a fixed bank account in Germany
PSD Bank Nürnberg
Who it suits
- People in Germany comparing property purchase, construction or renovation financing.
Current offers
PSD Bank Nürnberg
Current offer
Discount code
Zinsrabatt on PSD BauGeld (up to 0.15 percentage points): up to 0.15 % interest discount
Composed of 0.10 % Angebotsrabatt from 10 years fixed rate when buying an existing property, plus 0.05 % PSD EffizienzRabatt if energy efficiency class A+, A or B is reached or already present; valid from 31.08.2026, subject to change; free special repayments included.
Source, checked September 26, 2026
Discount code
0.00 % Forward-Zuschlag for follow-on financing: 0.00 % p.a. forward surcharge
Applies to PSD BauGeld follow-on financings from 100,000 euros whose fixed rate ends within the coming 6 months, with a newly agreed fixed period of 10 to 15 years.
Source, checked September 26, 2026
Country by country
| Country | Interhyp | PSD Bank Nürnberg |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
Interhyp
How much does Interhyp charge to arrange a mortgage?+
The origination fee is 0 EUR and the product fee is €0, so arranging a secured loan adds no separate charge. What you pay is the interest itself, starting at an initial rate of 4.08% with an APRC of 4.08%.
What rate does Interhyp offer and for how long?+
Rates are fixed rather than variable, with the rate type given as fixed. The initial rate is 4.08% and the APRC is 4.08%, the fixed period is 10 and terms run 120 to 240.
How much can I borrow against a property?+
The maximum loan to value is 100%, and the worked calculator example puts the loan amount at €375,000. Borrowing is secured against the property, since secured is the loan type offered.
Does Interhyp run a credit check?+
The credit check is hard, so a file is assessed in full rather than soft prequalified. Applicants must also be adults of legal age and fully legally capable, with regular income, a fixed residence and a fixed bank account in Germany.