About Hypofriend
What is special about Hypofriend's advice?
Exploring my options- Should I buy or continue renting?
- Is now a good time to buy property for own use?
- What are the real estate agent fees in Germany?
- How much can I afford or borrow?
- How can I increase what I can borrow?
- Can I get a credit loan to increase my affordability?
- Can I get a mortgage in Germany without equity?
- What is Baukindergeld and how can it help me?
- I'm self-employed, am I eligible for a mortgage and how much?
- Should I borrow the maximum amount or should I save some equity?
- What’s the difference between buying for own use and buying to let?
Exploring my options: advanced questions- How do I know if a property is over priced?
- Can I use a Bausparvertrag as a down payment?
- Should I get pre-approved for a mortgage?
- Can I get a mortgage for property outside Germany?
- What happens after my mortgage request gets approved?
- How does the KfW subsidy work with my mortgage?
- Can I include modernisation or renovation costs into the mortgage?
Mortgage fundamentals- How can I get pre-qualified?
- How is the monthly rate calculated?
- How quickly should I pay off my mortgage?
- What is Loan-to-value and why does my down payment matter?
- How to choose the right fixed interest period?
- Can I use extra repayments to repay my mortgage quicker?
- Are my mortgage payments tax deductible?
- What more should I consider before closing my mortgage?
- What should I know if I expect to sell my house within 10 years?
- What is my SCHUFA score?
- How can I improve my SCHUFA score?
- How does my SCHUFA score affect my mortgage?
Applying for a mortgage
Handy Definitions- Kaufnebenkosten
- Anschlussfinanzierung
- SCHUFA
- KfW Darlehen
- Tilgung
- Zinszahlungsdarlehen
- Forward Darlehen
- Maklergebühr
- Grunderwerbsteuer
- Beleihungswert
- Vorfälligkeitsentschädigung
- Laufzeit
- Monatsrate
- Notarkosten
- Bausparvertrag
- Bauträger
- Annuity Loan
- Selbstauskunft
- Restschuld
- Notar & Beurkundung
- Zinsbindungsfrist
- Beleihungsauslauf
- Grundschuld
- Grundbuch
- Volltilgerdarlehen
- Notwendige Unterlagen
- Bereitstellungszinsen
- Haushaltsrechnung
- Grundsteuer
- Sondertilgung
- Baukindergeld
- Immobilienfinanzierung
Selbstauskunft
(Self Declaration)
Many banks use the self-declaration, which is provided to the borrower when making the loan request, for giving a first offer. In addition to the personal details, it also contains all data on income as well as existing liabilities and assets. As a borrower you can get an overview of your current situation and banks receive an important basis for the credit decision.
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