🇩🇪Germany

Nicht-Einhaltung der Provisionsabrechnung-Transparenzanforderungen (Maklergebührenaufteilungsgesetz)

4 verified sources

Definition

Under the 2020 reform, loan brokers must: (1) split commission equally between buyer and seller (§ 2(1) Maklergebührenaufteilungsgesetz), (2) document in writing who pays what share, (3) prove that the seller agreed to pay their 50% before invoicing the buyer for their share. Brokers who fail to document splits face: (1) commission denials (buyer or seller refuses to pay), (2) audit penalties (GoBD non-compliance), (3) litigation (buyer/seller disputes split fairness). Example: Broker invoices buyer for 7% commission without proving seller's 50% share → buyer refuses payment → commission lost or disputed for 30–90 days.

Key Findings

  • Financial Impact: €3,000–€8,000 annually per broker (disputed/denied commissions due to improper documentation); 5–10% of transactions involve split disputes
  • Frequency: 5–10% of commission transactions experience buyer/seller disputes over split fairness; 2–4 formal disputes per 10-broker shop per year
  • Root Cause: Lack of written, timestamped commission split agreements; missing seller acknowledgment; manual invoicing without split proof

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Loan Brokers.

Affected Stakeholders

Loan Broker / Makler, Finance / Abrechnung, Compliance Officer, Legal / Vertragsmanagement

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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

Provisionsabrechnung ohne transparente Dokumentation – GoBD und Betriebsprüfungsrisiko

€5,000–€50,000 per audit cycle (GoBD fines); 2–4% revenue adjustment for disallowed commissions

Provisionsausfälle durch fehlerhafte Abrechnung und Rechnungslegungslücken

€5,000–€20,000 annually per broker (1–3% of gross commission revenue lost to unbilled services, disputed splits, lender denials)

Verzögerte Provisionsauszahlungen durch manuelle Validierung und Partner-Reconciliation

€156,250–€260,000 working capital drag per 10-broker shop; 20–45 day average payment delay; 5–10% annual cost of working capital (€7,800–€26,000 in interest/opportunity cost)

Fehlerhafte Provisionsberechnungen durch fehlende Marktstandards und regionale Variabilität

€8,000–€20,000 annually per broker (2–5% revenue loss due to suboptimal pricing or miscalculation); 1–2% of transactions repriced downward post-signing

Verzögerte Zahlungen durch manuelle Nachverfolgung

30-60 Tage höhere Forderungszeiten; 1-3% revenue drag

BaFin-Strafen bei fehlender Kreditvergaberezensur

€10,000-€500,000 pro Verstoß (typische BaFin-Sanktionen bei Lizenz-/Dokumentationsmängeln)

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