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Home Buying in Germany - What You Need to Know

🏠 Mortgage Requirements for Expats

  • Down payment: Minimum 20% of property value required
  • Income proof: 3 years of tax returns and employment contracts
  • German residence: Must be registered in Germany (Anmeldung)
  • Credit history: SCHUFA score will be checked
  • Debt-to-income ratio: Maximum 40% of gross income

💰 Typical Costs

  • Purchase tax: 3.5-6.5% (varies by state)
  • Notary fees: 1-2% of purchase price
  • Real estate agent: 3-7% (if used)
  • Registration: 0.5% of purchase price
  • Bank fees: 0.2-1% of loan amount

📋 Required Documents

  • Employment contract: Permanent preferred
  • Salary statements: Last 3 months
  • Tax returns: Last 2-3 years
  • Bank statements: 3-6 months
  • SCHUFA report: Credit score document

🎯 Expert Tips for Expats:

German mortgage rates are among the lowest in Europe, but the approval process is thorough. Start building your German credit history early, maintain stable employment, and save for a substantial down payment. Consider consulting with mortgage brokers who specialize in expat financing.

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