Credit without chaos

Anyone who wants to buy a DARIA villa but lacks the equity ends up with Dina. She is the financing broker and guides members through the entire loan process. For all regions. One contact person.

Most companies that deal with real estate and financing refer their prospective customers to the house bank. DARIA does things differently. Those who are unable to arrange their own financing receive support from their own team. Dina Scheve is the one who takes care of this.

Completely relieved

„I organize all the communication with the banks,“ says Dina. „The members can sit back and relax. We sit down together once, I record all the data and start the process.“

What this means in concrete terms: Dina checks the creditworthiness, calculates various scenarios and selects the right one from several German banks. She explains the offer, accompanies the transfer and remains the contact person afterwards. The future DARIA members have to do almost nothing themselves. Dina prepares everything, submits the documents to the bank and gets in touch as soon as she receives a response.

This is deliberate. Frank Rahlf brings his experience to the table because he knows the banking landscape. His motto: The best offer for our members. No hidden surcharges, no extrapolated commission. Dina looks for the cheapest option, not the most lucrative for the bank.

The process often begins during the initial meeting with an advisor. Anyone who shows interest but does not have the necessary capital prepares a self-disclosure. Dina receives the data digitally and starts calculating. Shortly after the conversation between the interested party and DARIA, the first offer is available.

„We want to be as close to the customer as possible,“ she explains. „If someone walks out of a call and doesn't hear anything for three days, it's often frustrating for the customer. That's why I respond as quickly as possible.“

Honest assessment

Not everyone can finance. Dina says this early on, before anyone builds up expectations that can't be met. Permanent employees aged 18 and over with a clean credit record can enter the process. Anyone with negative entries will not get a loan from the bank.

„I often see how many loans young people already have,“ she says, „consumer loans, some of which they are no longer even aware of. A television here. A vacation there.“

A negative entry in the Schufa for three years means: no financing. That's not a matter of discretion, it's banking law. Dina addresses this openly. Better clarity than false hope.

The advisors also pay attention to this during the interview. Anyone who is self-employed or clearly at their financial limit will receive an honest assessment. Sometimes there are alternative ways: a spouse who can be a co-applicant in the financing, or savings that cover the missing amount. Dina and the advisors look for solutions, but they don't promise anything that can't be kept.

The range of what is still possible remains wide. Some banks provide financing until old age, provided the loan is paid off by the age of 80. Others support young professionals with low incomes. For each case, Dina looks for the bank with the best chances.

„The information is looked at on a very individual basis,“ she says. „The age group, occupational group and income situation of the potential borrower play a major role.“

Short distances

In the best case scenario, two days pass between the initial meeting and the bank's confirmation. Once all the documents are available and the signature has been obtained, things move quickly.

„If a prospective customer fills out and signs the self-disclosure form today, I'll hear back from the bank the day after next,“ says Dina. „And if not, I'll give them a call. We don't wait three weeks!“

This speed is not a coincidence, but a principle. Dina doesn't want tomorrow's customers to be stuck in a waiting loop. She is familiar with this from traditional banks: you submit documents, don't hear anything for weeks and don't have a fixed contact person. Things are different at DARIA. One call, one message, and Dina responds very quickly.

What delays the process is rarely the bank. It's missing documents or poorly accessible interested parties. Dina says this without reproach: „If I can't reach anyone or a document isn't signed, nothing happens. It's joint teamwork.“

It makes it as easy as possible for potential community members. If you don't use a computer, send a photo by cell phone. If you don't have online banking, there's another way. „I want to reach every age group,“ says Dina, „from 18-year-olds to pensioners.“

Everything explained

Dina shows interested parties what she does on her screen. She goes through each offer, explains the figures and answers questions. Her aim is for the potential community member to understand what to expect. Not to hope that everything goes well, but to know how the loan is structured and what options they have.

„We sit down together, I explain what I see and he decides.“ This also applies to the concerns that interested parties have. Some are reluctant to share their financial details with someone they barely know. Dina understands that. Of course, she can't check anything without the documents, and she treats the documents entrusted to her with the utmost confidentiality. But the biggest concern is a different one:

„What happens if DARIA doesn't work?“ A question that is sometimes asked.

Dina doesn't answer them with reassuring sentences. She discusses scenarios. How is the loan structured? What options are there? What can be adjusted? She clarifies all this before anyone signs. The other party should make the decision with understanding, not with hope.

Always available

What sets Dina apart from traditional banking advice is its availability. Weekends, after work, in between: If you have a question, you will get an answer. That sounds like a matter of course. In practice, most people don't know that.

„It's important to me that the question marks disappear from our minds,“ she says. „Our business partner should feel secure. Not only during the credit process, but also afterwards.“

After means: When the money is in the account. When the transfer is due. When there are queries. When the loan is to be repaid at some point. Dina remains the contact person. Not as a service hotline, but as someone who knows the case, understands the situation and can provide concrete help.

Dina also supports members who are already active and are planning a further investment or want to adjust a current loan.

When asked if it's not too much, she says: „Some days it's piecework. But then you have people who really pitch in. They send the documents straight away, answer every question and help out. It's teamwork, and everything is done in two days.“

And then there are the moments for which she does it. When a member says: "You guided me well through the process. When someone who was unsure at first feels secure and in good hands thanks to Dina's presence and commitment. When the financing is in place and a prospective member becomes a DARIA member.

„I've found my place,“ says Dina. „When the members feel comfortable and happy, that's one of the best things.“