Annuity banks are in 19. Century created national banks (public mortgage banks), to making the basic load separation possible.

Since the farmers were in most areas of Germany committed to the Middle Ages, to furnish their basic gentlemen Grunddienstbarkeiten (hand and clamping services, Frondienste, payments in kind).

In 19. Century should be dissolved in the context of farmer release this obligation using everywhere in Europe. The annuity banks gave guaranteed, freely tradable and paid interest on debenture bonds as capital compensation for remuneration for the being omitted material achievements of the farmers to their gentlemen nationally to the basic gentlemen out (annuity bonds). The farmers against it had to pay the annuity banks during a longer period firm money, from which the annuity banks interest and repayment for the debenture bond could serve.

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