Your German Mortgage Checklist Before Talking to the Bank

Here’s what you should gather before contacting the bank or broker:

✅ 1. Proof of Income (Einkommensnachweis)

Bring your last 3 salary slips and 1–2 years of income tax returns. If you’re self-employed, you’ll need a profit & loss statement and a confirmation from a tax advisor.

✅ 2. Credit Report (Schufa-Auskunft)

Request your Schufa score in advance. A clean score means fewer surprises. You can get it for free once a year or use paid versions for instant access.

✅ 3. Down Payment Evidence (Eigenkapitalnachweis)

Have bank statements ready that show your savings. These should cover at least 20% of the purchase price plus costs like notary, land tax, and agent fees.

✅ 4. Residence Status Documents

Most banks prefer customers with permanent residency (Niederlassungserlaubnis) or long-term EU permits. Bring your permit and passport.

✅ 5. Monthly Budget Overview

List your net income, monthly expenses, rent, and any loans. The bank will ask for this anyway, so better to prepare it clearly.

✅ 6. Property Info (if known)

Have the address, purchase price, expected fees, and property condition ready. If you're still house hunting, mention your budget range.

✅ 7. Other Financial Assets or Debts

List any other real estate, cars, savings plans, or credit obligations. Full transparency shows responsibility.

✅ 8. Smart Questions to Ask

Come with 2–3 questions, like:
– Can I make Sondertilgung?
– What happens after the Zinsbindung ends?
– Is flexibility possible if my income changes?