RAIT Smart Home
AI Property Renovation & Valuation Platform

Smarter renovation loans,
backed by a property digital twin.

RAIT Smart Home Digital Twin gives retail banks a single cockpit to assess a property, plan its renovation, simulate energy class uplift and recommend the right green loan — in under 8 minutes.

Open App See how it works
EU hosted GDPR by design KfW & EU Taxonomy aligned
Case #DE-STG-2026-0142
Live demo
Residential apartment building · Stuttgart
Current value
8.450.000 €
After renovation
11.500.000 €
Uplift
+36.1%
Premium modern apartment building rendering
Digital twin · KfW55 target
Energy F → A+
ROI 4.8%
Risk B → A
Built for European retail banks · KfW aligned · GDPR
Nordbank
Süd Sparkasse
Volks Credit
Helvetia Bank
Rhein Finanz
+36%
Avg. collateral uplift after renovation
KfW55
Energy standard ready out of the box
<8 min
From property scan to loan recommendation
11
Decision modules in the cockpit
How it works

From property scan to signed loan, in four steps.

A guided workflow your loan officers, ESG analysts and credit committee can all share.

01

Capture digital twin

Ingest cadastral data, energy certificate and a 3D scan into a structured property model.

02

Run AI assessment

AI scores facade, roof, windows and HVAC against KfW and ESG targets in seconds.

03

Plan the renovation

Prioritised measures with cost ranges, energy uplift and contractor categories.

04

Recommend the loan

Future value, LTV and risk class flow into a credit recommendation your committee can sign.

Modules

One cockpit, eleven decision modules.

Pick any module to jump straight into the live demo.

View all demo cases

3D Digital Twin

Interactive twin with hotspots for roof, facade, windows and heating systems.

Open module

Renovation Planner

Prioritised measures with cost bands, energy uplift and quick-wins.

Open module

Value & ROI

Before / after collateral value, payback and €/m² uplift in one view.

Open module

Scenario Analysis

Compare KfW70, KfW55 and KfW40 renovation depths side by side.

Open module

Credit Recommendation

One-page committee report with LTV, risk class and green loan eligibility.

Open module

Module Marketplace

Activate ICP-specific add-ons for insurance, facility and industrial cases.

Open module
Audit-ready governance
Every recommendation is traceable to its input features and rule weights.
Under 8 minutes
From property pull to credit-committee one-pager.
ESG aligned
Outputs map to EU Taxonomy, SFDR Article 8/9 and KfW programmes.

See the cockpit in action.

Step through the Stuttgart demo property and watch the renovation, valuation and credit recommendation come together.

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FAQ

Questions credit teams ask.

Can't find what you need? Email the team.