Money & Finance · Category
8 guides on loans & mortgages for expats in Germany, each dated and linked to the office that decides.
Loans & Mortgages A Finanzierungsbestätigung from a German bank usually lands in 5 to 10 working days once your SCHUFA and Meldebescheinigung are filed, and non-EU buyers often need 30 to 40 percent equity.
Every guide
Loans & MortgagesThe Bundesbank's July 2026 report flagged tighter mortgage underwriting on thin-file borrowers, and expats without a Schufa history can pay up to 0.5 points more or get rejected outright.
Loans & MortgagesGerman lenders lean hard on a Schufa file that most newcomers do not have yet. Which lenders work with a thin file, what they ask for, and how to avoid a rejection that dents your score.
Loans & MortgagesGetting a mortgage as a foreigner comes down to which lender is comfortable with your residency and your deposit. Who lends to expats, what they need to see, and where rates sit in 2026.
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