[{"data":1,"prerenderedAt":421},["ShallowReactive",2],{"blog-article-financing-certificate-one-step-ahead-buying-property-en":3},{"article":4,"recommendedArticles":403},{"slug":5,"title":6,"listPicture":7,"listPictureMobile":8,"listPictureWebp":9,"listPictureMobileWebp":10,"preview":11,"category":12,"author":13,"authorImage":14,"authorImageWebp":15,"authorDescription":16,"authorSlug":17,"content":18,"contentRaw":19,"order":379,"publishedAt":380,"createdAt":380,"updatedAt":381,"seoTitle":382,"seoDescription":383,"seoKeywords":384,"seoImage":385,"mainPicture":386,"mainPictureMobile":387,"mainPictureWebp":388,"mainPictureMobileWebp":389,"language":390,"subTitle":384,"actionLabel":384,"actionType":384,"actionText":384,"id":384,"introduction":391,"tableOfContentArray":392},"financing-certificate-one-step-ahead-buying-property","Financing Certificate: Always one step ahead","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4ctwKxlymmUNRiOKAgFzAf\u002F61c1407e17cc12def8bdd38874c558a8\u002Ffinancing-certificate-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6dQViXzjm6wBNgWh1FuOCv\u002Ff160960e6a1947e55c1d88904c34172e\u002Ffinancing-certificate-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F7rAIx65nr3eACXTXOnUzRr\u002F6dfd4a8a10d3c688cba95769c66b5b1b\u002Ffinancing-certificate-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5NoDrgyhvrata2KBMOHJse\u002F07d8f520a281e417e04c5c05ab028918\u002Ffinancing-certificate-380x243.webp","With a financing certificate, you stand out from other prospective buyers. It serves as a confirmation of your financing potential to brokers.","mortgage-fundamentals","Dr. Chris Mulder","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fdr.-christian-mulder.png","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fdr.-christian-mulder.webp","Dr. Chris is a former Senior Economist and Manager at the IMF and The World Bank. He is a Hypofriend Co-founder.","chris","  \u003Cdiv id=\"table-of-contents\">\n    \u003Cdiv class=\"headline\">\n      Table Of Contents\n    \u003C\u002Fdiv>\n    \u003Cul>\n      \u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-what-is-a-financing-certificate\">\n    What is a financing certificate? \n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-can-hypofriend-issue-a-financing-certificate\">\n    Can Hypofriend issue a financing certificate?  \n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-why-should-i-get-a-financing-certificate\">\n    Why should I get a financing certificate?\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-what-information-do-i-need-to-provide\">\n    What information do I need to provide?\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-it-does-not-always-have-to-be-a-financing-certificate\">\n    It does not always have to be a financing certificate\n  \u003C\u002Fa>\n\u003C\u002Fli>\n    \u003C\u002Ful>\n  \u003C\u002Fdiv>\n\u003Cp>So, what can you do to stand out from the other applicants in the eyes of the real estate broker or seller?\u003Cb> A financing certificate is a solution\u003C\u002Fb> because it provides the seller with direct proof that you can afford a given property. \u003C\u002Fp>\n\u003Cp>Below, we explain what a financing certificate is, how to get it, and what to look out for. \u003C\u002Fp>\n\u003Ch2 id=\"h-what-is-a-financing-certificate\">What is a financing certificate? \u003C\u002Fh2>\n\u003Cp>Owners or developers who want to sell their property attach great importance to security. They want to be sure that the prospective buyer — you — can afford the property. With a financing certificate, you provide exactly this proof and increase your chances of winning the bid for your dream apartment.  \u003C\u002Fp>\n\u003Cp>A financing certificate is usually \u003Cb>dependent on the property\u003C\u002Fb>, but is \u003Cb>non-binding\u003C\u002Fb>. It is issued after a \u003Cb>preliminary and non-binding assessment\u003C\u002Fb> of your financial situation by your financing advisor. \u003C\u002Fp>\n\n            \u003Cpicture>\n              \u003Csource type=\"image\u002Favif\" sizes=\"(min-width: 961px) 961px, 100vw\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?fm=avif&w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?fm=avif&w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?fm=avif&w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?fm=avif&w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?fm=avif&w=1922 2x\n                    \">\n              \u003Csource type=\"image\u002Fwebp\" sizes=\"(min-width: 961px) 961px, 100vw\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?fm=webp&w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?fm=webp&w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?fm=webp&w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?fm=webp&w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?fm=webp&w=1922 2x\n                    \">\n              \u003Cimg loading=\"lazy\" class=\"image-fluid\" alt=\"Muster Hypofriend financing certificate\" sizes=\"(min-width: 961px) 961px, 100vw\" width=\"961\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?w=1922 2x\n                    \" src=\"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png?w=961\">\n            \u003C\u002Fsource>\u003C\u002Fsource>\u003C\u002Fpicture>\n          \n\u003Cp>\u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fappointment\">Meet with an advisor\u003C\u002Fa> to get your free Hypofriend financing certificate. \u003C\u002Fp>\n\u003Ch3>Attention: Danger of confusion\u003C\u002Fh3>\n\u003Cp>Various terms are used to refer to the financing certificate. The terms “Finanzierungsnachweis”, “Finanzierungsbestätigung”, “weiche Finanzierungszusage” or “Banknachweis” are also frequently used. \u003C\u002Fp>\n\u003Cp>The term “Finanzierungszusage”, in particular, can lead to confusion. Because while you don't need to have found a property yet for a financing certificate, a financing commitment issued by the bank is based on the property that is to be purchased.  \u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fproperties\">Still looking for your dream home? Find it with our Hypofriend property search!\u003C\u002Fa>\u003C\u002Fp>\n\u003Ch2 id=\"h-can-hypofriend-issue-a-financing-certificate\">Can Hypofriend issue a financing certificate?  \u003C\u002Fh2>\n\u003Cp>Of course! As an independent mortgage advisor, we can quickly provide you with proof of your eligibility to finance a property free of charge. \u003C\u002Fp>\n\u003Ch3>Your way to the Hypofriend financing certificate:\u003C\u002Fh3>\n\u003Col>\n\u003Cli>\u003Cp>Calculate how much house you can afford with our \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fcriteria\u002Fstart\">\u003Cu>Affordability Calculator\u003C\u002Fu>\u003C\u002Fa>.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Discuss your wishes and ideas in a video call with your financing expert. We'll also confirm your financing potential.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Find your dream home thanks to our online property radar. \u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Get your free Hypofriend financing certificate. \u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Convince the broker and seller at the viewing and secure your advantage over the other prospective buyers.\u003C\u002Fp>\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>You can take a look at a template of our financing certificate \u003Ca href=\"https:\u002F\u002Fdrive.google.com\u002Ffile\u002Fd\u002F1m2yiT2Yv5KUJwMgC8-Ye4qXuqhm9VEri\u002Fview?usp=sharing\">here\u003C\u002Fa>. \u003C\u002Fp>\n\u003Ch2 id=\"h-why-should-i-get-a-financing-certificate\">Why should I get a financing certificate?\u003C\u002Fh2>\n\u003Cp>The answer is quite clear: To give you an advantage. \u003C\u002Fp>\n\u003Cp>As already mentioned, the housing market in Germany — and especially in large cities and metropolitan areas — is highly competitive. It's not uncommon to find more than ten potential buyers for a good-sized apartment in Berlin at a moderate price. \u003C\u002Fp>\n\u003Cp>With a financing certificate, you stand out from the other interested parties and show the seller or agent that you can afford the property and are eligible for financing. In addition, the certificate proves your interest in buying and shows that you have prepared yourself well. That's a plus in any case. \u003C\u002Fp>\n\u003Ch2 id=\"h-what-information-do-i-need-to-provide\">What information do I need to provide?\u003C\u002Fh2>\n\u003Cp>Typically, you will need to provide some personal information, such as your name and address, and information about your income and savings. This will then determine your possible financing amount. Furthermore, real estate property data, including complete addresses, is often requested. \u003C\u002Fp>\n\u003Cp>You don't have to worry about SCHUFA and your credit score. The SCHUFA is not requested for the financing certificate. There is also no entry. A SCHUFA request is only made when it comes to the mortgage, and you give your written consent.\u003C\u002Fp>\n\u003Ch2 id=\"h-it-does-not-always-have-to-be-a-financing-certificate\">It does not always have to be a financing certificate\u003C\u002Fh2>\n\u003Cp>The financing certificate is one way to prove that your financial situation allows the purchase of the property. But there are other alternatives.\u003C\u002Fp>\n\u003Cp>If you are in the lucky position of being able to pay for your dream home with your savings, all you have to do is present the seller with a corresponding bank or account statement. However, since very few people find themselves in that position, the purchase of a house is usually carried out with a mortgage.\u003C\u002Fp>\n\u003Cp>The classic proof of sufficient financial strength is a written financing commitment from a bank. In the letter, the bank confirms that it is prepared to grant you a real estate loan. What sounds good in itself may also have its pitfalls: For one, not every bank issues such a commitment, and for another, it often takes quite a long time for the bank to review the documents.\u003C\u002Fp>\n\u003Cp>A financing certificate issued by us is a quick and easy way to prove your eligibility. \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fcriteria\u002Fstart\">\u003Cu>Calculate your affordability\u003C\u002Fu>\u003C\u002Fa> and find out how much house you can afford. Our financing experts will be happy to help you! \u003C\u002Fp>",{"nodeType":20,"data":21,"content":22},"document",{},[23,42,49,57,64,98,115,135,143,150,157,174,181,188,195,264,283,290,297,304,311,318,325,332,339,346,353,360],{"nodeType":24,"data":25,"content":26},"paragraph",{},[27,32,38],{"nodeType":28,"value":29,"marks":30,"data":31},"text","So, what can you do to stand out from the other applicants in the eyes of the real estate broker or seller?",[],{},{"nodeType":28,"value":33,"marks":34,"data":37}," A financing certificate is a solution",[35],{"type":36},"bold",{},{"nodeType":28,"value":39,"marks":40,"data":41}," because it provides the seller with direct proof that you can afford a given property. ",[],{},{"nodeType":24,"data":43,"content":44},{},[45],{"nodeType":28,"value":46,"marks":47,"data":48},"Below, we explain what a financing certificate is, how to get it, and what to look out for. ",[],{},{"nodeType":50,"data":51,"content":52},"heading-2",{},[53],{"nodeType":28,"value":54,"marks":55,"data":56},"What is a financing certificate? ",[],{},{"nodeType":24,"data":58,"content":59},{},[60],{"nodeType":28,"value":61,"marks":62,"data":63},"Owners or developers who want to sell their property attach great importance to security. They want to be sure that the prospective buyer — you — can afford the property. With a financing certificate, you provide exactly this proof and increase your chances of winning the bid for your dream apartment.  ",[],{},{"nodeType":24,"data":65,"content":66},{},[67,71,76,80,85,89,94],{"nodeType":28,"value":68,"marks":69,"data":70},"A financing certificate is usually ",[],{},{"nodeType":28,"value":72,"marks":73,"data":75},"dependent on the property",[74],{"type":36},{},{"nodeType":28,"value":77,"marks":78,"data":79},", but is ",[],{},{"nodeType":28,"value":81,"marks":82,"data":84},"non-binding",[83],{"type":36},{},{"nodeType":28,"value":86,"marks":87,"data":88},". It is issued after a ",[],{},{"nodeType":28,"value":90,"marks":91,"data":93},"preliminary and non-binding assessment",[92],{"type":36},{},{"nodeType":28,"value":95,"marks":96,"data":97}," of your financial situation by your financing advisor. ",[],{},{"nodeType":99,"data":100,"content":106,"asset":107},"embedded-asset-block",{"target":101},{"sys":102},{"id":103,"type":104,"linkType":105},"6tpj7ELCz9SUvFby1tXw0U","Link","Asset",[],{"fileName":108,"details":109,"url":114},"financing-certificate-muster@2x.png",{"size":110,"image":111},31703,{"width":112,"height":113},678,953,"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6tpj7ELCz9SUvFby1tXw0U\u002F66f6d48ef5d5d356f33fdb83626b6f84\u002Ffinancing-certificate-muster_2x.png",{"nodeType":24,"data":116,"content":117},{},[118,122,131],{"nodeType":28,"value":119,"marks":120,"data":121},"",[],{},{"nodeType":123,"data":124,"content":126},"hyperlink",{"uri":125},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fappointment",[127],{"nodeType":28,"value":128,"marks":129,"data":130},"Meet with an advisor",[],{},{"nodeType":28,"value":132,"marks":133,"data":134}," to get your free Hypofriend financing certificate. ",[],{},{"nodeType":136,"data":137,"content":138},"heading-3",{},[139],{"nodeType":28,"value":140,"marks":141,"data":142},"Attention: Danger of confusion",[],{},{"nodeType":24,"data":144,"content":145},{},[146],{"nodeType":28,"value":147,"marks":148,"data":149},"Various terms are used to refer to the financing certificate. The terms “Finanzierungsnachweis”, “Finanzierungsbestätigung”, “weiche Finanzierungszusage” or “Banknachweis” are also frequently used. ",[],{},{"nodeType":24,"data":151,"content":152},{},[153],{"nodeType":28,"value":154,"marks":155,"data":156},"The term “Finanzierungszusage”, in particular, can lead to confusion. Because while you don't need to have found a property yet for a financing certificate, a financing commitment issued by the bank is based on the property that is to be purchased.  ",[],{},{"nodeType":24,"data":158,"content":159},{},[160,163,171],{"nodeType":28,"value":119,"marks":161,"data":162},[],{},{"nodeType":123,"data":164,"content":166},{"uri":165},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fproperties",[167],{"nodeType":28,"value":168,"marks":169,"data":170},"Still looking for your dream home? Find it with our Hypofriend property search!",[],{},{"nodeType":28,"value":119,"marks":172,"data":173},[],{},{"nodeType":50,"data":175,"content":176},{},[177],{"nodeType":28,"value":178,"marks":179,"data":180},"Can Hypofriend issue a financing certificate?  ",[],{},{"nodeType":24,"data":182,"content":183},{},[184],{"nodeType":28,"value":185,"marks":186,"data":187},"Of course! As an independent mortgage advisor, we can quickly provide you with proof of your eligibility to finance a property free of charge. ",[],{},{"nodeType":136,"data":189,"content":190},{},[191],{"nodeType":28,"value":192,"marks":193,"data":194},"Your way to the Hypofriend financing certificate:",[],{},{"nodeType":196,"data":197,"content":198},"ordered-list",{},[199,224,234,244,254],{"nodeType":200,"data":201,"content":202},"list-item",{},[203],{"nodeType":24,"data":204,"content":205},{},[206,210,220],{"nodeType":28,"value":207,"marks":208,"data":209},"Calculate how much house you can afford with our ",[],{},{"nodeType":123,"data":211,"content":213},{"uri":212},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fcriteria\u002Fstart",[214],{"nodeType":28,"value":215,"marks":216,"data":219},"Affordability Calculator",[217],{"type":218},"underline",{},{"nodeType":28,"value":221,"marks":222,"data":223},".",[],{},{"nodeType":200,"data":225,"content":226},{},[227],{"nodeType":24,"data":228,"content":229},{},[230],{"nodeType":28,"value":231,"marks":232,"data":233},"Discuss your wishes and ideas in a video call with your financing expert. We'll also confirm your financing potential.",[],{},{"nodeType":200,"data":235,"content":236},{},[237],{"nodeType":24,"data":238,"content":239},{},[240],{"nodeType":28,"value":241,"marks":242,"data":243},"Find your dream home thanks to our online property radar. ",[],{},{"nodeType":200,"data":245,"content":246},{},[247],{"nodeType":24,"data":248,"content":249},{},[250],{"nodeType":28,"value":251,"marks":252,"data":253},"Get your free Hypofriend financing certificate. ",[],{},{"nodeType":200,"data":255,"content":256},{},[257],{"nodeType":24,"data":258,"content":259},{},[260],{"nodeType":28,"value":261,"marks":262,"data":263},"Convince the broker and seller at the viewing and secure your advantage over the other prospective buyers.",[],{},{"nodeType":24,"data":265,"content":266},{},[267,271,279],{"nodeType":28,"value":268,"marks":269,"data":270},"You can take a look at a template of our financing certificate ",[],{},{"nodeType":123,"data":272,"content":274},{"uri":273},"https:\u002F\u002Fdrive.google.com\u002Ffile\u002Fd\u002F1m2yiT2Yv5KUJwMgC8-Ye4qXuqhm9VEri\u002Fview?usp=sharing",[275],{"nodeType":28,"value":276,"marks":277,"data":278},"here",[],{},{"nodeType":28,"value":280,"marks":281,"data":282},". ",[],{},{"nodeType":50,"data":284,"content":285},{},[286],{"nodeType":28,"value":287,"marks":288,"data":289},"Why should I get a financing certificate?",[],{},{"nodeType":24,"data":291,"content":292},{},[293],{"nodeType":28,"value":294,"marks":295,"data":296},"The answer is quite clear: To give you an advantage. ",[],{},{"nodeType":24,"data":298,"content":299},{},[300],{"nodeType":28,"value":301,"marks":302,"data":303},"As already mentioned, the housing market in Germany — and especially in large cities and metropolitan areas — is highly competitive. It's not uncommon to find more than ten potential buyers for a good-sized apartment in Berlin at a moderate price. ",[],{},{"nodeType":24,"data":305,"content":306},{},[307],{"nodeType":28,"value":308,"marks":309,"data":310},"With a financing certificate, you stand out from the other interested parties and show the seller or agent that you can afford the property and are eligible for financing. In addition, the certificate proves your interest in buying and shows that you have prepared yourself well. That's a plus in any case. ",[],{},{"nodeType":50,"data":312,"content":313},{},[314],{"nodeType":28,"value":315,"marks":316,"data":317},"What information do I need to provide?",[],{},{"nodeType":24,"data":319,"content":320},{},[321],{"nodeType":28,"value":322,"marks":323,"data":324},"Typically, you will need to provide some personal information, such as your name and address, and information about your income and savings. This will then determine your possible financing amount. Furthermore, real estate property data, including complete addresses, is often requested. ",[],{},{"nodeType":24,"data":326,"content":327},{},[328],{"nodeType":28,"value":329,"marks":330,"data":331},"You don't have to worry about SCHUFA and your credit score. The SCHUFA is not requested for the financing certificate. There is also no entry. A SCHUFA request is only made when it comes to the mortgage, and you give your written consent.",[],{},{"nodeType":50,"data":333,"content":334},{},[335],{"nodeType":28,"value":336,"marks":337,"data":338},"It does not always have to be a financing certificate",[],{},{"nodeType":24,"data":340,"content":341},{},[342],{"nodeType":28,"value":343,"marks":344,"data":345},"The financing certificate is one way to prove that your financial situation allows the purchase of the property. But there are other alternatives.",[],{},{"nodeType":24,"data":347,"content":348},{},[349],{"nodeType":28,"value":350,"marks":351,"data":352},"If you are in the lucky position of being able to pay for your dream home with your savings, all you have to do is present the seller with a corresponding bank or account statement. However, since very few people find themselves in that position, the purchase of a house is usually carried out with a mortgage.",[],{},{"nodeType":24,"data":354,"content":355},{},[356],{"nodeType":28,"value":357,"marks":358,"data":359},"The classic proof of sufficient financial strength is a written financing commitment from a bank. In the letter, the bank confirms that it is prepared to grant you a real estate loan. What sounds good in itself may also have its pitfalls: For one, not every bank issues such a commitment, and for another, it often takes quite a long time for the bank to review the documents.",[],{},{"nodeType":24,"data":361,"content":362},{},[363,367,375],{"nodeType":28,"value":364,"marks":365,"data":366},"A financing certificate issued by us is a quick and easy way to prove your eligibility. ",[],{},{"nodeType":123,"data":368,"content":369},{"uri":212},[370],{"nodeType":28,"value":371,"marks":372,"data":374},"Calculate your affordability",[373],{"type":218},{},{"nodeType":28,"value":376,"marks":377,"data":378}," and find out how much house you can afford. Our financing experts will be happy to help you! ",[],{},1,"Mon, 10 May 2021 10:44:50 +0000","Tue, 12 May 2026 11:20:12 +0000","Financing Certificate: Secure Your Dream Property in Germany","Stand out in Germany’s competitive property market with a financing certificate. Learn how Hypofriend can help you prove your financing potential fast.",null,"https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F7JEP6lR3UqvxForeuQVgba\u002Fccd2c5635f099e06056b1b1c23144e5a\u002FSEO-financing-certificate-800x534.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F7qgpG0o03ZaHeIwEWB7qO8\u002Fb8d3fc7618e3cbf02687a9c5bfd1adaa\u002Ffinancing-certificate-1692x918.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3BTmB6Dwh0Wk9M9Iz4wWv6\u002F2890b2239b17e1b92bb63747ae539931\u002Ffinancing-certificate-523x366.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6ubENFyO5c8B1kOLsuoLqa\u002F875ed62a0253ba06e997f5c855bba070\u002Ffinancing-certificate-1692x918.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FLCy8Ip7Yrrt3YfHyNkYXS\u002Ffc91dd3f971ff1fbc6cf015cbc9993d4\u002Ffinancing-certificate-523x366.webp","en","If you want to buy a property in Germany, you’ll need to know that you will likely not be the only one interested. Competition is particularly fierce in major cities like Berlin, Hamburg, and Munich. No wonder: Rising prices and the desire of many people to own their own home are making the situation particularly difficult. The demand is increasing, but the \u003Ca style=\"-webkit-font-smoothing: antialiased;-moz-osx-font-smoothing: grayscale;font-family: TTNorms-Bold!important;color: #1b8391!important;text-decoration: none!important;border-bottom: 0!important;word-wrap: break-word;-ms-word-break: break-all;word-break: break-all;word-break: break-word;-ms-hyphens: auto;-webkit-hyphens: auto;hyphens: auto;font-weight:normal\" href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Faffordable-housing-requires-more-new-buildings.ahn\" rel=\"follow\" target=\"_blank\">supply is growing slowly\u003C\u002Fa>.",[393,395,397,399,401],{"key":394,"value":54},"#h-what-is-a-financing-certificate",{"key":396,"value":178},"#h-can-hypofriend-issue-a-financing-certificate",{"key":398,"value":287},"#h-why-should-i-get-a-financing-certificate",{"key":400,"value":315},"#h-what-information-do-i-need-to-provide",{"key":402,"value":336},"#h-it-does-not-always-have-to-be-a-financing-certificate",[404,414,415],{"slug":405,"title":406,"listPicture":407,"listPictureMobile":408,"listPictureWebp":409,"listPictureMobileWebp":410,"preview":411,"category":12,"categoryTitle":412,"categoryCode":413},"current-interest-rates-germany-2026","What Are the Current Mortgage Interest Rates in Germany and How Do They Evolve? ","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3e8IaEw23YZk7idFRXhun9\u002Fcd0500f42f6c93c574782835d8149a58\u002Flist_image_blog___800_x_511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3Q0MFmLnVKgaGVS57d9qW5\u002F0622aa644497735c07f4a715220013e5\u002Fmobile_list_image_blog___380_x_243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1iTKKUZXycg5MCfXdX8By0\u002Fe2f01a1212a42829b251db3e8024cafb\u002Flist-image-blog-_-800-x-511__1_.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2ONJpyTNlNqYkPSQ7VvnIO\u002Fc94eab2aa29c38a41027290e53359ffe\u002Fmobile-list-image-blog-_-380-x-243__1_.webp","What are mortgage rates in Germany right now? See our real-time chart, compare 5 to 20-year fixed rates and get a free personalised recommendation in minutes.","Mortgage Fundamentals","fb",{"slug":5,"title":6,"listPicture":7,"listPictureMobile":8,"listPictureWebp":9,"listPictureMobileWebp":10,"preview":11,"category":12,"categoryTitle":412,"categoryCode":413},{"slug":416,"title":417,"listPicture":418,"listPictureMobile":418,"listPictureWebp":419,"listPictureMobileWebp":419,"preview":420,"category":12,"categoryTitle":412,"categoryCode":413},"refinancing-your-german-mortgage","How to refinance your German mortgage?","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Frefinance-in-germany-list-image.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Frefinance-in-germany-list-image.webp","Here you will find everything you need to know about a forward mortgage and how to refinance your mortgage in Germany.",1784815615449]