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Thin File

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1 guide · Last updated 2026-07-31

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Loans & Mortgages for Expats in Germany Without Schufa HistoryLoans & Mortgages
11 min read

Loans & Mortgages for Expats in Germany Without Schufa History

The 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.