German mortgage requirements: what is the assets and liabilities statement, and why does the bank want it?
Alongside the self-disclosure form, many banks ask for a separate assets and liabilities statement on larger financings, or where income and assets come from several sources — property, liabilities and other assets at a glance. This template is bilingual and fillable on screen. The full structure of the assets and liabilities statement is documented below — nothing held back for a form.
What is the assets and liabilities statement, and why does the bank want it?
The assets and liabilities statement is a bilingual (DE/EN), fillable template in three parts: real estate, other liabilities and other assets. The bank wants it in addition to the self-disclosure, because the self-disclosure describes the current month, income and outgoings, while the statement describes the stock: what you own, what is charged against it and what it yields.
What you get
- Assets & liabilities statement DE/EN · bilingual, fillable on screen or for printing
- Straight to your inbox · as an attachment, ready to use
Open the file directly — no form: Net-worth statement DE/EN (PDF, 2 pages)
The three parts of the assets and liabilities statement
The three parts are real estate, other liabilities including guarantees and leasing, and other assets such as bank balances, securities and participations, closing with a declaration and space for certification by a tax advisor or auditor.
- 650+ Banks compared; §34i Licensed adviser; 2016 Experience since; 89 Published case reports.
- What is the assets and liabilities statement? A bilingual (DE/EN), fillable template in three parts: real estate (twelve rows, one per property, with rent, loan, creditor and market value), other liabilities including guarantees and leasing, and other assets such as bank balances, securities and participations — closing with a declaration and space for certification by a tax advisor or auditor.
- Why does the bank want it in addition to the self-disclosure? The self-disclosure describes the current month — income and outgoings. The assets and liabilities statement describes the stock: what you own, what is charged against it and what it yields.
- What do I get, and what does it cost? The statement as a fillable PDF (2 pages), straight to your inbox, free — commission, as a rule, from the bank. The full structure is set out on this page. What our advice costs.
- Who is behind it? Perini Finance & Property — licensed under §34i GewO, 650+ banks compared, we know the banks whose lending rules cover cross-border cases with assets in several countries. First consultation free and non-binding. Cross-border commuters.
This is the complete structure of the template. Knowing in advance which column the bank needs saves three rounds of follow-ups — with several properties, that is where the weeks go.
Real estate (Part A)
Twelve rows, one per property. For part-ownership, totals and your own share are stated separately.; Property, address and land-register entry; Type of use; Residential and commercial area in sqm; Annual net rent: target and actual; Interest and repayment p. a.; Interest rate and repayment rate in % p. a.; Terms fixed until; Creditor; Outstanding loan balance; Market value; To attach: land-register extract, cadastral map, photos, purchase contract where applicable.
Other liabilities (Part B): Including contingent liabilities — guarantees, rent guarantees, leasing. Attach the contracts.; Amount; Creditor; Interest and repayment p. a.; Purpose.
Other assets (Part C): Attach statements, life-insurance policies and your tax assessment.; Cash and bank balances; Life-insurance surrender value; Securities: shares; Fixed-income securities; Real-estate fund units; Participations; Other assets.
At the end sits the declaration that the position is stated completely and correctly — with space for certification by a tax advisor or auditor. German banks ask for exactly that certification on larger exposures.
Why the bank wants it in addition to the self-disclosure
The self-disclosure asks for income and outgoings — it describes the current month.
With several properties, with participations or on larger financings, the self-disclosure alone does not answer that for the bank.
Bilingual, structured, ready to use
The template is in German and English side by side, fillable on screen or as a print template, and covers real estate assets, liabilities and other assets.
Languages — German and English, side by side; Fillable — On screen (PDF form fields) or as a print template; Covers — Real estate assets, liabilities, other assets.
A structured, bilingual overview is especially useful for cross-border cases with assets in several countries — the bank sees at a glance what you bring to the table.
How do you fill in the assets and liabilities statement for a German bank correctly?
Fill in the statement part by part: one row per property, each liability separately, each asset with evidence. Amounts are in thousands of euros (TEUR), as the column headers show.
Part A: real estate — One row per property with address and land-register entry; rent as annual net rent, target and actual separately.
For part ownership, state the total and your own share. Interest, repayment, fixed-rate period — Interest rate, repayment rate and the end of the fixed-rate period are in the loan agreement or on the bank's annual statement. Part B: liabilities — Contingent liabilities too: guarantees, rent guarantees, leasing.
Attach the contracts. Part C: other assets — Bank balances, surrender value of life insurance, securities, fund units and shareholdings — each with evidence. Closing — Date and signature; for larger financings also the confirmation of a tax adviser or auditor. Then — Save, sign and send it back: by e-mail to siegfried@perini-financeandproperty.com, via WhatsApp or by phone on +49 2151 3293344.
What this template doesn't replace: The assets and liabilities statement is a working template, not legal or tax advice. Mortgage brokerage under the German §34i GewO licence (Olga Nikushkina).
Frequently asked questions
Is there a template for the assets and liabilities statement or the self-disclosure for the bank?
Yes, for both. The bilingual assets and liabilities statement is on this page as a fillable PDF (2 pages), to open directly or by email — with the three parts real estate, other liabilities and other assets. The self-disclosure, which covers income and outgoings separately, is also available as a fillable template: self-disclosure form (DE/EN).
Does the assets and liabilities statement need certification by a tax advisor or auditor?
At the end sits the declaration that the position is stated completely and correctly, with space for certification by a tax advisor or auditor. German banks ask for exactly that certification on larger exposures.
Questions about individual entries?
Especially with assets in several countries or unusual asset types, We’re happy to help directly. First consultation free and non-binding.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
Go to the self-disclosure form DE/EN
Self-disclosure form Germany: all 13 sections and 80 fields listed on the page; the bilingual fillable version (DE/EN) free by email.
What our advice costs
Independent mortgage advisor in Germany: as a rule the lending bank pays the commission, not you — and if no financing comes about, you owe nothing.
Cross-border commuters
Cross-border commuter mortgage in Germany: CHF income from Switzerland, plus AT, LU and NL — currency discount and which banks lend.
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.