German Mortgage

What Documents Do You Need To Apply For A Mortgage?

The LoanLink mortgage document checklist shows what documents you need to apply for a mortgage in Germany. In Germany, lenders look at an applicant’s financial and personal records more closely than in most other countries. To get mortgage approval from a German lender, you need documents that verify both your financial and personal life. If you know what to expect, this is less painful than it sounds. An experienced, organized mortgage advisor can make all the difference. For an overview of all the mortgage documents you will need, read on.

Mortgage document checklist


General documents Source Timeframe
Proof of equity (bank account / depot statements)

(In German: Konto-/Depotauszüge Eigenkapital)

Your documents /
bank
Not older than
3 months
Financing application (questionnaire)

(In German: Selbstauskunft)

LoanLink
questionnaire
Mortgage financing offer

(In German: Persönliches Konditionsangebot)

LoanLink, after
expert chat
Personal documents Source Timeframe
Income tax assessments

(Statement from your country’s tax office including information on your total
income and the amount of taxes you pay per year. In German:
Einkommenssteuerbescheid)

Your documents /
tax office
2017/ 2016/
2015
Payslips

(Document that contains an employee's wage or salary and details money
earned and tax and insurance paid during that period, e.g. last month. In
German: Gehaltsabrechnung)

Your documents /
employer
Last 4 months
Payslips (for 13th and/or 14th month if applicable)

(Document that contains an employee's wage or salary and details money
earned and tax and insurance paid during that period, e.g. last month. In
German: Gehaltsabrechnung 13./14. Gehalt)

Your documents /
employer
Last available
Certificate of wage tax deduction

(Document that contains an employee's wage or salary for one year, and
details money earned and tax and insurance paid. In German:
Lohnsteuerbescheinigung )

Your documents /
employer
Last 2 years
Bank statement with lease rental charges (if applicable)

(In German: Kontoauszug Miet-/Wohnkosten)

Last month
Passport / identification card

(Copy of both sides. In German: Personalausweis/ Reisepass)

Residence permit

(Copy of both sides. In German: Aufenthalts-/Arbeitserlaubnis)

Property documents Source Timeframe
Building description / specification

(Detailed description of the building, such as type of construction and the
materials used. In German: Baubeschreibung)

Your real estate
agent
Picture of front and back view of the building

(in German: Farbfotos der Vorder- und Rückansicht des Gebäudes)

Your real estate
agent
Land register map / official unit site plan

(in German: Flurkarte oder amtlicher Lageplan)

Your real estate
agent /
Katesteramt
Floor plan and floor plan calculation

(in German: Grundriss und Wohnflächenberechnung)

Your real estate
agent
Draft of sale contract

(in German: Kaufvertragsentwurf)

Your real estate
agent
Divisional declaration

(in German: Teilungserklärung)

Your real estate
agent

Our LoanLink mortgage advisors are happy to answer any questions. Our goal is to help you to find the best loan.

Please reach out via email at [email protected], or by phone at +49 (0) 30 5683 7535. You can also start with the LoanLink mortgage illustrator here:

LoanLink specializes in finding the most suitable property loan for non-German residents. Our algorithm screens more than 400 banks to find the best deal. Our financial advisors are experienced and will guide you through every step.

Got a question about the real estate valuation or home purchase process for non-German resident in Germany? Contact us!

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