[{"data":1,"prerenderedAt":555},["ShallowReactive",2],{"blog-article-german-mortgage-documents-en":3},{"article":4,"recommendedArticles":528},{"slug":5,"title":6,"listPicture":7,"listPictureMobile":7,"listPictureWebp":8,"listPictureMobileWebp":8,"preview":9,"category":10,"author":11,"authorImage":12,"authorImageWebp":13,"authorDescription":14,"authorSlug":15,"content":16,"contentRaw":17,"order":510,"publishedAt":511,"createdAt":511,"updatedAt":512,"seoTitle":513,"seoDescription":514,"seoKeywords":515,"seoImage":516,"mainPicture":517,"mainPictureMobile":518,"mainPictureWebp":519,"mainPictureMobileWebp":520,"language":521,"subTitle":515,"actionLabel":515,"actionType":515,"actionText":515,"id":515,"introduction":522,"tableOfContentArray":523},"german-mortgage-documents","These documents you need to apply for a German mortgage","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fdocuments-to-apply-for-a-mortgage-list-image.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fdocuments-to-apply-for-a-mortgage-list-image.webp","Germans banks are very meticulous when it comes to paperwork. Here is a list of all the documents you need to apply for a mortgage.","mortgage-fundamentals","Nick Mulder","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fnick-mulder-1740563859.png","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fnick-mulder.webp","Nick is Co-founder and CEO of Hypofriend","nick","  \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', $event)\" href=\"#h-personal-documents\">\n    Personal Documents\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-property-documents\">\n    Property Documents\n  \u003C\u002Fa>\n\u003C\u002Fli>\n    \u003C\u002Ful>\n  \u003C\u002Fdiv>\n\u003Cp>\u003Cb>Tip\u003C\u002Fb>: Make sure you have your documents prepared and organized. Ideally, you will have an advisor vet them for you; not only does this accelerate the process, but it can remove any potential hiccups you can run into, like with negative SCHUFA scores. \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fappointment\">\u003Cu>Schedule an appointment\u003C\u002Fu>\u003C\u002Fa> when you are close to reserving a property.\u003C\u002Fp>\n\u003Cp>German banks will require you to submit both personal documents and property documents. Here’s the list of documents you will need to have ready if you want to apply for a German mortgage.\u003C\u002Fp>\n\u003Cdiv class=\"video-container\">\n  \u003Cscript type=\"application\u002Fld+json\">\n  {\n     \"@context\": \"https:\u002F\u002Fschema.org\",\n     \"@type\": \"VideoObject\",\n     \"name\": \"Documents You Need To Apply For a German Mortgage 🇩🇪✅\",\n     \"description\": \"In this video, we'll share the documents you need to apply for a mortgage in Germany. We'll cover everything - from the bank statements to property documents!\n\",\n     \"thumbnailUrl\": \"https:\u002F\u002Fi.ytimg.com\u002Fvi_webp\u002FRsEEhK31IyQ\u002Fmaxresdefault.webp\",\n     \"uploadDate\": \"2023-08-23T09:00:00+02:00\",\n     \"contentUrl\": \"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FRsEEhK31IyQ\",\n     \"embedUrl\": \"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FRsEEhK31IyQ\",\n     \"publisher\": {\n        \"@type\": \"Organization\",\n        \"name\": \"Hypofriend\",\n        \"logo\": {\n           \"@type\": \"ImageObject\",\n           \"url\": \"https:\u002F\u002Fa.hypofriend.de\u002Fhypofriend-logo.svg\"\n        }\n     }\n  }\n  \u003C\u002Fscript>\n\n  \u003Ciframe width=\"100%\" height=\"100%\" src=\"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FRsEEhK31IyQ\" loading=\"lazy\" fetchpriority=\"low\" title=\"Embedded video player\" frameborder=\"0\" referrerpolicy=\"strict-origin-when-cross-origin\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen>\n  \u003C\u002Fiframe>\n\u003C\u002Fdiv>\n\u003Ch2 id=\"h-personal-documents\">Personal Documents\u003C\u002Fh2>\n\u003Ch3>General documents for everybody\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cp>Copy of Passport\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Temporary residence permit, e.g., Blue Card (“Aufenthaltstitel”) or permanent residence permit (“Niederlassungserlaubnis”).\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Proof of residence (“Meldebescheinigung”): This document shows the German address you are currently registered at, which can be obtained from the “Bürgeramt”.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Provide proof of equity and a bank account statement showing the amount of money you will put down (not necessary for getting mortgage pre-approval). \u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Proof of German pension scheme (“Rentenbescheid\u002F Renteninformation”): you will receive this automatically after having worked in Germany for at least five years. Alternatively, this document can be obtained by directly calling \u003Ca href=\"https:\u002F\u002Fwww.deutsche-rentenversicherung.de\u002FDRV\u002FEN\u002FHome\u002Fhome_node.html\">\u003Cu>Deutsche Rentenversicherung\u003C\u002Fu>\u003C\u002Fa>.\u003C\u002Fp>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>For employees only\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cp>Salary slips for the last three months, you get these slips from your current employer.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Salary slip for December of last year or salary statement from last year (“Lohnsteuerbescheinigung”). You should get this from your current or past employer. If you have not yet been employed last year, then this document is not necessary. \u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Optional: Most recent tax return (“Einkommenssteuerbescheid”). If you have filed your tax declaration, then you should have received a tax return from the German tax office. Employees are not legally required to file a tax declaration and, therefore, do not need to provide this document if they have not submitted their tax declaration.\u003C\u002Fp>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>For freelancers only\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cp>The two most recent tax declarations (“Einkommenssteuererklärung”) are the tax declarations you submitted to the German tax office.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>For the two most recent tax returns (“Einkommenssteuerbescheid”), you should receive a tax return from the German tax office.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Complete the profit & loss account for the last year (“BWA: Betriebswirtschaftliche Auswertung”); this evaluation shows your current revenue and must be verified by your accountant.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Profit-and-loss calculations (“Einnahme-Überschuss-Rechnung”) for the last two years, you get these from your tax accountant.\u003C\u002Fp>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>For self-employed business owners only\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cp>The two most recent tax declarations (“Einkommenssteuererklärung”), this is the tax declaration you have submitted to the German tax office.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>The Two most recent tax returns (“Einkommenssteuerbescheid”), you should receive a tax return from the German tax office.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Profit & loss account for the last year (“BWA: Betriebswirtschaftliche Auswertung”). This evaluation shows your current revenue and must be verified by your accountant.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Balance sheets, incl. the profit-and-loss calculation for the last two years (“Gewinn-Verlust-Rechnung”); you get from your tax accountant.\u003C\u002Fp>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2 id=\"h-property-documents\">Property Documents\u003C\u002Fh2>\n\u003Cp>In addition to the personal documents, you will also need to provide specific documents about the property you are looking to buy. Once you have found the right property, you will need to gather the following \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Flp\u002Fdocument-check\">property documents\u003C\u002Fa> to qualify for a mortgage fully.\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\u003Ch3>Existing property\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cp>The current extract of land registration (“Grundbuchauszug”); you can receive this document directly from the land office (“Grundbuchamt”), or a notary of your choosing will provide it for you.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Declaration of division (“Teilungserklärung”), the seller\u002F real estate agent should provide this.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Floor plan with measurements (“bemaßter Grundriss”): you will get this from the seller or the real estate agent.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Floor area calculation (“Wohnflächenberechnung”): You will get this from the seller or the real estate agent.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Draft of the purchase contract (“Kaufvertragsentwurf”): A notary of your choosing will draft the purchase contract.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Current photos of the property, these are usually in the “Expose”.\u003C\u002Fp>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch3>New-built property\u003C\u002Fh3>\n\u003Cul>\n\u003Cli>\u003Cp>Description of construction (“Baubeschreibung”): This document will be provided by the project developer.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Current extract of land registration (“Grundbuchauszug”), you can receive this document directly from any notary or directly from the land office (“Grundbuchamt”).\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Declaration of division (“Teilungserklärung”), the seller\u002Freal estate agent should provide this.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Floor plan with measurements (“bemaßter Grundriss”): you will get this from the seller or the real estate agent.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Floor area calculation (“Wohnflächenberechnung”): You will get this from the seller or the real estate agent.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Draft of the purchase contract (“Kaufvertragsentwurf”): A notary of your choosing will draft the purchase contract.\u003C\u002Fp>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>In most cases, it makes sense \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Flp\u002Fdocument-check\">to have your documents pre-screened\u003C\u002Fa> by one of our advisors to ensure you are ready for pre-approval. In this article, we have summarized \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-broker-consultation.afb\">\u003Cu>5 reasons why it pays out to work with a professional mortgage advisor\u003C\u002Fu>\u003C\u002Fa>.\u003C\u002Fp>",{"data":18,"content":19,"nodeType":509},{},[20,50,57,74,82,90,158,165,198,205,248,255,298,305,324,342,349,412,419,479],{"data":21,"content":22,"nodeType":49},{},[23,30,34,45],{"data":24,"marks":25,"value":28,"nodeType":29},{},[26],{"type":27},"bold","Tip","text",{"data":31,"marks":32,"value":33,"nodeType":29},{},[],": Make sure you have your documents prepared and organized. Ideally, you will have an advisor vet them for you; not only does this accelerate the process, but it can remove any potential hiccups you can run into, like with negative SCHUFA scores. ",{"data":35,"content":37,"nodeType":44},{"uri":36},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fappointment",[38],{"data":39,"marks":40,"value":43,"nodeType":29},{},[41],{"type":42},"underline","Schedule an appointment","hyperlink",{"data":46,"marks":47,"value":48,"nodeType":29},{},[]," when you are close to reserving a property.","paragraph",{"data":51,"content":52,"nodeType":49},{},[53],{"data":54,"marks":55,"value":56,"nodeType":29},{},[],"German banks will require you to submit both personal documents and property documents. Here’s the list of documents you will need to have ready if you want to apply for a German mortgage.",{"data":58,"content":64,"nodeType":65,"entry":66},{"target":59},{"sys":60},{"id":61,"type":62,"linkType":63},"5ieZtlLHI3rRF9LF0IoFVB","Link","Entry",[],"embedded-entry-block",{"videoUrl":67,"title":68,"decription":69,"thumbnail":70,"uploadDate":71,"contentUrl":67,"embedUrl":72,"type":63,"contentType":73},"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002FRsEEhK31IyQ","Documents You Need To Apply For a German Mortgage 🇩🇪✅","In this video, we'll share the documents you need to apply for a mortgage in Germany. We'll cover everything - from the bank statements to property documents!\n","https:\u002F\u002Fi.ytimg.com\u002Fvi_webp\u002FRsEEhK31IyQ\u002Fmaxresdefault.webp","2023-08-23","https:\u002F\u002Fhypofriend.de\u002Fen\u002Fgerman-mortgage-documents.afb","video",{"data":75,"content":76,"nodeType":81},{},[77],{"data":78,"marks":79,"value":80,"nodeType":29},{},[],"Personal Documents","heading-2",{"data":83,"content":84,"nodeType":89},{},[85],{"data":86,"marks":87,"value":88,"nodeType":29},{},[],"General documents for everybody","heading-3",{"data":91,"content":92,"nodeType":157},{},[93,104,114,124,134],{"data":94,"content":95,"nodeType":103},{},[96],{"data":97,"content":98,"nodeType":49},{},[99],{"data":100,"marks":101,"value":102,"nodeType":29},{},[],"Copy of Passport","list-item",{"data":105,"content":106,"nodeType":103},{},[107],{"data":108,"content":109,"nodeType":49},{},[110],{"data":111,"marks":112,"value":113,"nodeType":29},{},[],"Temporary residence permit, e.g., Blue Card (“Aufenthaltstitel”) or permanent residence permit (“Niederlassungserlaubnis”).",{"data":115,"content":116,"nodeType":103},{},[117],{"data":118,"content":119,"nodeType":49},{},[120],{"data":121,"marks":122,"value":123,"nodeType":29},{},[],"Proof of residence (“Meldebescheinigung”): This document shows the German address you are currently registered at, which can be obtained from the “Bürgeramt”.",{"data":125,"content":126,"nodeType":103},{},[127],{"data":128,"content":129,"nodeType":49},{},[130],{"data":131,"marks":132,"value":133,"nodeType":29},{},[],"Provide proof of equity and a bank account statement showing the amount of money you will put down (not necessary for getting mortgage pre-approval). ",{"data":135,"content":136,"nodeType":103},{},[137],{"data":138,"content":139,"nodeType":49},{},[140,144,153],{"data":141,"marks":142,"value":143,"nodeType":29},{},[],"Proof of German pension scheme (“Rentenbescheid\u002F Renteninformation”): you will receive this automatically after having worked in Germany for at least five years. Alternatively, this document can be obtained by directly calling ",{"data":145,"content":147,"nodeType":44},{"uri":146},"https:\u002F\u002Fwww.deutsche-rentenversicherung.de\u002FDRV\u002FEN\u002FHome\u002Fhome_node.html",[148],{"data":149,"marks":150,"value":152,"nodeType":29},{},[151],{"type":42},"Deutsche Rentenversicherung",{"data":154,"marks":155,"value":156,"nodeType":29},{},[],".","unordered-list",{"data":159,"content":160,"nodeType":89},{},[161],{"data":162,"marks":163,"value":164,"nodeType":29},{},[],"For employees only",{"data":166,"content":167,"nodeType":157},{},[168,178,188],{"data":169,"content":170,"nodeType":103},{},[171],{"data":172,"content":173,"nodeType":49},{},[174],{"data":175,"marks":176,"value":177,"nodeType":29},{},[],"Salary slips for the last three months, you get these slips from your current employer.",{"data":179,"content":180,"nodeType":103},{},[181],{"data":182,"content":183,"nodeType":49},{},[184],{"data":185,"marks":186,"value":187,"nodeType":29},{},[],"Salary slip for December of last year or salary statement from last year (“Lohnsteuerbescheinigung”). You should get this from your current or past employer. If you have not yet been employed last year, then this document is not necessary. ",{"data":189,"content":190,"nodeType":103},{},[191],{"data":192,"content":193,"nodeType":49},{},[194],{"data":195,"marks":196,"value":197,"nodeType":29},{},[],"Optional: Most recent tax return (“Einkommenssteuerbescheid”). If you have filed your tax declaration, then you should have received a tax return from the German tax office. Employees are not legally required to file a tax declaration and, therefore, do not need to provide this document if they have not submitted their tax declaration.",{"data":199,"content":200,"nodeType":89},{},[201],{"data":202,"marks":203,"value":204,"nodeType":29},{},[],"For freelancers only",{"data":206,"content":207,"nodeType":157},{},[208,218,228,238],{"data":209,"content":210,"nodeType":103},{},[211],{"data":212,"content":213,"nodeType":49},{},[214],{"data":215,"marks":216,"value":217,"nodeType":29},{},[],"The two most recent tax declarations (“Einkommenssteuererklärung”) are the tax declarations you submitted to the German tax office.",{"data":219,"content":220,"nodeType":103},{},[221],{"data":222,"content":223,"nodeType":49},{},[224],{"data":225,"marks":226,"value":227,"nodeType":29},{},[],"For the two most recent tax returns (“Einkommenssteuerbescheid”), you should receive a tax return from the German tax office.",{"data":229,"content":230,"nodeType":103},{},[231],{"data":232,"content":233,"nodeType":49},{},[234],{"data":235,"marks":236,"value":237,"nodeType":29},{},[],"Complete the profit & loss account for the last year (“BWA: Betriebswirtschaftliche Auswertung”); this evaluation shows your current revenue and must be verified by your accountant.",{"data":239,"content":240,"nodeType":103},{},[241],{"data":242,"content":243,"nodeType":49},{},[244],{"data":245,"marks":246,"value":247,"nodeType":29},{},[],"Profit-and-loss calculations (“Einnahme-Überschuss-Rechnung”) for the last two years, you get these from your tax accountant.",{"data":249,"content":250,"nodeType":89},{},[251],{"data":252,"marks":253,"value":254,"nodeType":29},{},[],"For self-employed business owners only",{"data":256,"content":257,"nodeType":157},{},[258,268,278,288],{"data":259,"content":260,"nodeType":103},{},[261],{"data":262,"content":263,"nodeType":49},{},[264],{"data":265,"marks":266,"value":267,"nodeType":29},{},[],"The two most recent tax declarations (“Einkommenssteuererklärung”), this is the tax declaration you have submitted to the German tax office.",{"data":269,"content":270,"nodeType":103},{},[271],{"data":272,"content":273,"nodeType":49},{},[274],{"data":275,"marks":276,"value":277,"nodeType":29},{},[],"The Two most recent tax returns (“Einkommenssteuerbescheid”), you should receive a tax return from the German tax office.",{"data":279,"content":280,"nodeType":103},{},[281],{"data":282,"content":283,"nodeType":49},{},[284],{"data":285,"marks":286,"value":287,"nodeType":29},{},[],"Profit & loss account for the last year (“BWA: Betriebswirtschaftliche Auswertung”). This evaluation shows your current revenue and must be verified by your accountant.",{"data":289,"content":290,"nodeType":103},{},[291],{"data":292,"content":293,"nodeType":49},{},[294],{"data":295,"marks":296,"value":297,"nodeType":29},{},[],"Balance sheets, incl. the profit-and-loss calculation for the last two years (“Gewinn-Verlust-Rechnung”); you get from your tax accountant.",{"data":299,"content":300,"nodeType":81},{},[301],{"data":302,"marks":303,"value":304,"nodeType":29},{},[],"Property Documents",{"data":306,"content":307,"nodeType":49},{},[308,312,320],{"data":309,"marks":310,"value":311,"nodeType":29},{},[],"In addition to the personal documents, you will also need to provide specific documents about the property you are looking to buy. Once you have found the right property, you will need to gather the following ",{"data":313,"content":315,"nodeType":44},{"uri":314},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Flp\u002Fdocument-check",[316],{"data":317,"marks":318,"value":319,"nodeType":29},{},[],"property documents",{"data":321,"marks":322,"value":323,"nodeType":29},{},[]," to qualify for a mortgage fully.",{"data":325,"content":326,"nodeType":49},{},[327,331,339],{"data":328,"marks":329,"value":330,"nodeType":29},{},[],"",{"data":332,"content":334,"nodeType":44},{"uri":333},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fproperties",[335],{"data":336,"marks":337,"value":338,"nodeType":29},{},[],"Still looking for your dream home? Find it with our Hypofriend property search!",{"data":340,"marks":341,"value":330,"nodeType":29},{},[],{"data":343,"content":344,"nodeType":89},{},[345],{"data":346,"marks":347,"value":348,"nodeType":29},{},[],"Existing property",{"data":350,"content":351,"nodeType":157},{},[352,362,372,382,392,402],{"data":353,"content":354,"nodeType":103},{},[355],{"data":356,"content":357,"nodeType":49},{},[358],{"data":359,"marks":360,"value":361,"nodeType":29},{},[],"The current extract of land registration (“Grundbuchauszug”); you can receive this document directly from the land office (“Grundbuchamt”), or a notary of your choosing will provide it for you.",{"data":363,"content":364,"nodeType":103},{},[365],{"data":366,"content":367,"nodeType":49},{},[368],{"data":369,"marks":370,"value":371,"nodeType":29},{},[],"Declaration of division (“Teilungserklärung”), the seller\u002F real estate agent should provide this.",{"data":373,"content":374,"nodeType":103},{},[375],{"data":376,"content":377,"nodeType":49},{},[378],{"data":379,"marks":380,"value":381,"nodeType":29},{},[],"Floor plan with measurements (“bemaßter Grundriss”): you will get this from the seller or the real estate agent.",{"data":383,"content":384,"nodeType":103},{},[385],{"data":386,"content":387,"nodeType":49},{},[388],{"data":389,"marks":390,"value":391,"nodeType":29},{},[],"Floor area calculation (“Wohnflächenberechnung”): You will get this from the seller or the real estate agent.",{"data":393,"content":394,"nodeType":103},{},[395],{"data":396,"content":397,"nodeType":49},{},[398],{"data":399,"marks":400,"value":401,"nodeType":29},{},[],"Draft of the purchase contract (“Kaufvertragsentwurf”): A notary of your choosing will draft the purchase contract.",{"data":403,"content":404,"nodeType":103},{},[405],{"data":406,"content":407,"nodeType":49},{},[408],{"data":409,"marks":410,"value":411,"nodeType":29},{},[],"Current photos of the property, these are usually in the “Expose”.",{"data":413,"content":414,"nodeType":89},{},[415],{"data":416,"marks":417,"value":418,"nodeType":29},{},[],"New-built property",{"data":420,"content":421,"nodeType":157},{},[422,432,442,452,461,470],{"data":423,"content":424,"nodeType":103},{},[425],{"data":426,"content":427,"nodeType":49},{},[428],{"data":429,"marks":430,"value":431,"nodeType":29},{},[],"Description of construction (“Baubeschreibung”): This document will be provided by the project developer.",{"data":433,"content":434,"nodeType":103},{},[435],{"data":436,"content":437,"nodeType":49},{},[438],{"data":439,"marks":440,"value":441,"nodeType":29},{},[],"Current extract of land registration (“Grundbuchauszug”), you can receive this document directly from any notary or directly from the land office (“Grundbuchamt”).",{"data":443,"content":444,"nodeType":103},{},[445],{"data":446,"content":447,"nodeType":49},{},[448],{"data":449,"marks":450,"value":451,"nodeType":29},{},[],"Declaration of division (“Teilungserklärung”), the seller\u002Freal estate agent should provide this.",{"data":453,"content":454,"nodeType":103},{},[455],{"data":456,"content":457,"nodeType":49},{},[458],{"data":459,"marks":460,"value":381,"nodeType":29},{},[],{"data":462,"content":463,"nodeType":103},{},[464],{"data":465,"content":466,"nodeType":49},{},[467],{"data":468,"marks":469,"value":391,"nodeType":29},{},[],{"data":471,"content":472,"nodeType":103},{},[473],{"data":474,"content":475,"nodeType":49},{},[476],{"data":477,"marks":478,"value":401,"nodeType":29},{},[],{"data":480,"content":481,"nodeType":49},{},[482,486,493,497,506],{"data":483,"marks":484,"value":485,"nodeType":29},{},[],"In most cases, it makes sense ",{"data":487,"content":488,"nodeType":44},{"uri":314},[489],{"data":490,"marks":491,"value":492,"nodeType":29},{},[],"to have your documents pre-screened",{"data":494,"marks":495,"value":496,"nodeType":29},{},[]," by one of our advisors to ensure you are ready for pre-approval. In this article, we have summarized ",{"data":498,"content":500,"nodeType":44},{"uri":499},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fmortgage-broker-consultation.afb",[501],{"data":502,"marks":503,"value":505,"nodeType":29},{},[504],{"type":42},"5 reasons why it pays out to work with a professional mortgage advisor",{"data":507,"marks":508,"value":156,"nodeType":29},{},[],"document",3,"Mon, 28 Oct 2019 16:41:19 +0000","Mon, 19 May 2025 13:34:58 +0000","Documents needed to apply for a German mortgage","Germans banks are very meticulous when it comes to paperwork. Here is a list of all the documents you need to apply for a mortgage in Germany.\n",null,"https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6GS9t4pfjfCgr96HkuZNOP\u002F03f1a07f854cd918464ecd212f566140\u002FSEO-documents-to-apply-germany-800x534.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fbig-documents-to-apply-for-a-mortgage@2x.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fdocuments-to-apply-for-a-mortgage@2x.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fbig-documents-to-apply-for-a-mortgage@2x.webp","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fdocuments-to-apply-for-a-mortgage@2x.webp","en","Germans banks are very meticulous when it comes to paperwork. And they'll be sure to take their time when it comes to requesting your documents.",[524,526],{"key":525,"value":80},"#h-personal-documents",{"key":527,"value":304},"#h-property-documents",[529,539,547],{"slug":530,"title":531,"listPicture":532,"listPictureMobile":533,"listPictureWebp":534,"listPictureMobileWebp":535,"preview":536,"category":10,"categoryTitle":537,"categoryCode":538},"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":540,"title":541,"listPicture":542,"listPictureMobile":543,"listPictureWebp":544,"listPictureMobileWebp":545,"preview":546,"category":10,"categoryTitle":537,"categoryCode":538},"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.",{"slug":548,"title":549,"listPicture":550,"listPictureMobile":551,"listPictureWebp":552,"listPictureMobileWebp":553,"preview":554,"category":10,"categoryTitle":537,"categoryCode":538},"sondertilgung-a-popular-but-overrated-option-for-your-german-mortgage","Sondertilgung: A popular but overrated option","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5xnqPkerGmZzqAelJp4Lyp\u002F953f32263af6dfcb044ea362464e2e6d\u002Fsondertillgung-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6raj6xn34Bw10qb1L3VRsb\u002F4b3fbc844a985d76c6c1d1e94bfd283c\u002Fsondertillgung-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5vd1ArTe5ICGM4ngPHDK4V\u002Fa5cb6e007c5fbd51d62fb407c266f625\u002Fsondertillgung-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F64bwYQzJUFIuvDqyx0VK5W\u002F4a0e1f087765df142571b7cbd6dd07ad\u002Fsondertillgung-380x243.webp","Who doesn't like the idea of being able to repay extra on their mortgage? That is what “Sondertilgung” is. But is it a good idea?",1789994946603]