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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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