Can I get a mortgage with a temporary residence permit?

The short answer is: Yes, it is possible to get approved for a German mortgage as a non-EU citizen living in Germany with a temporary residence permit.

Nick Mulder

Nick is Co-founder and CEO of Hypofriend

Published on Oct 28, 2019 Published on Oct 28, 2019 . Updated 3 months ago

Nick is Co-founder and CEO of Hypofriend

This is a question that Hypofriend advisors receive daily. As a short answer: Yes, it is possible to get approved for a German mortgage as a non-EU citizen living in Germany while on a temporary residence permit (“Aufenthaltstitel”).

Becoming a permanent resident
Loan-to-value (LTV) determines your maximum borrowing power
Does the LTV limit affect the interest rate I could qualify for?

Nick Mulder

Nick is Co-founder and CEO of Hypofriend

first-time-buyers

8 Ways to Increase How Much House You Can Afford in Germany

Find out how you can increase your affordability in times of high property prices and skyrocketing interest rates, and thus afford your German dream home.

first-time-buyers

10 Tips on How to Negotiate the Purchase Price of a Property

You want to negotiate the purchase price for a house or apartment? We give you 10 tips on how to do it and what you need to consider before.

first-time-buyers

Can I get a mortgage with a temporary residence permit?

The short answer is: Yes, it is possible to get approved for a German mortgage as a non-EU citizen living in Germany with a temporary residence permit.

Hypofriend
/
First Time Buyers
/
Mortgage Germany Bluecard

Can I get a mortgage with a temporary residence permit?

Table of Contents