development loans, refinancing loans that consolidate existing debts, and home renovation loans. It also provides second‑rank mortgage loans and equity release solutions within defined loan‑to‑value limits. Loan amounts, terms, and repayment schedules are tailored based on collateral value and the borrower’s repayment capacity, with options for annuity or bullet structures. Applications are submitted digitally and are evaluated individually under responsible lending rules set by financial supervision authorities.