This thesis is written to investigate if and how far the German credit financial market could be promising for consulting fees in the field of mortgage loan banking. The problem identified is an extensively discussed issue in the German credit financial sector. In solving the problem the author made some literature research and points out different modes of determining consulting fees. The author faces the challenge that, up to now, there is hardly any literature on the application of mortgage loan consulting fees in Germany. Secondly, a form concerning mortgage loan related business in conjunction with customers' attitudes towards consulting fees was designed and distributed for a survey. In addition to the survey, a Monte Carlo simulation model shows the coherence of debiting consulting fees and the possibility of economies of scale for German retail banks. The results of the study as well as the simulation model are astonishing and path-breaking for further research on this topic in that there seems to be a basic willingness among prospects to pay consulting fees for mortgage loan consulting services that are presently offered for "free" in Germany. Another main finding constitutes that even rather small consulting fees have a great effect on the revenue of the bank.
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Investigation whether the German credit financial market is promising for consulting fees as an alternative to traditional commission banking.