How do I know if I am eligible for a mortgage?

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You can only be completely sure once you’ve applied and been approved by the lender but there are a number of factors that will help you understand whether you’re eligible for a mortgage in Germany.

  • You have a stable income

  • You have savings to cover the purchase fees of the property

  • You have a healthy SCHUFA score

  • You have a residence permit (temporary, Blue-card, or permanent residence)

Whether you are employed or self-employed, you must be able to verify and prove your income, savings and residency. The lender will perform a SCHUFA check once you have applied and sometimes if you request a pre-scoring.

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