(1) A tying practice is permissible if the lender makes the conclusion of a consumer credit agreement relating to immovable property subject to the borrower, a member of the borrower’s family or both together
1. opening a Payment account or savings account, the sole purpose of which is to accumulate capital in order to
a) repay or service the consumer credit agreement relating to immovable property,
b) make available the funds required for the loan to be granted, or
c) provide additional security to the lender in the event of default;
2. acquiring or maintaining an investment product or a private pension product that
a) primarily serves to provide income during retirement and
b) provides additional security to the lender in the event of default, or that serves the accumulation of capital in order to repay or service the consumer credit agreement relating to immovable property, or in order to in this way make available the funds required for the loan to be granted;
3. concluding a further credit agreement under which the capital repayable is based on a contractually set percentage of the value of the immovable property at the time of the capital repayment or repayments (shared equity credit agreement).
(2) A tying practice is permissible if the lender makes the conclusion of a consumer credit agreement relating to immovable property subject to the borrower taking out, in the context of the consumer credit agreement relating to immovable property, a relevant insurance policy and if the borrower is permitted to take out such insurance also from a supplier other than the lender’s preferred supplier.
(3) A tying practice is permissible if the supervisory authority responsible for the lender has approved the further financial products or financial services as well as their being tied to the consumer credit agreement relating to immovable property under the terms of section 18a (8a) of the Banking Act (Kreditwesengesetz).