This upheaval will be winners also the financial intermediaries, their market share will rise from 2010 to 2015 to 4 percentage points. Direct sales will grow according to the estimate by 6 percent. Threatening the traditional banks part of the lucrative business lost, which accounts for an annual total of over 180 billion euros. The brokerages may into another area behind, after they largely had to give even activities such as the car loan or instalment loans over the past decades to special banks. According to the results of the bbw survey of financial service providers and construction finance, direct banks and online mortgage in the future are among the market winners in private construction financing. With 77 percent, eight out of ten respondents experts market share gains for the direct banks see at the online construction lenders expect 71 percent all respondents in the next few years a growing importance. The bank customers increasingly realize that they need no bank branch at the end of a construction financing. Thus, a development is recuperated in Germany, which has already taken place in other countries. While the savings banks can still roughly maintain its market share in private residential construction financing, real credit institutions will lose further importance. The causes of structural change in the real estate financing are high level experts in the Declaration of the private construction financing for the consumer credit. It combines the opportunity to take advantage of the current account, as cross-selling approach and creditworthiness criteria as well as the possibility to use the presence of stationary distribution – branch – site for the customer relationship. The real estate financing 2011 bbw study sheds light on virtually all facets of the real estate market. Market data on the subject of home savings business and financing of private residential property market trends and forecasts. The bbw Financial special study real estate financing can be obtained at: bbw marketing Dr. Vossen & partner, Liebig Street 23, D-41464 Neuss FON: 02131.2989722, fax: 02131.2989721, e-mail: more information under:. bbwmarketing.de. Dr. Vossen