Assets and liabilities statement for German mortgage requirements: free bilingual PDF template
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 is held back behind 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) (Nederlands · Français)
What are 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.
- 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.
Which fields does each part contain?
Part A has twelve rows, one per property, with rent, interest and repayment, creditor, outstanding loan and market value. Part B lists other liabilities including guarantees and leasing, part C bank balances, securities and other assets.
Real estate (Part A):
- 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.
When is the self-disclosure not sufficient?
With several properties, with shareholdings or with larger financings. Then the bank also wants to see what you own, what is charged against it and what it yields.
The self-disclosure asks for income and expenditure — it describes the current month; how the bank calculates from this is explained under household budget calculation.
The assets and liabilities statement describes your holdings: what you own, what is charged against it and what it yields. With several properties, with shareholdings or with larger financings, the self-disclosure is not sufficient for the bank in this respect.
How can you open the free assets and liabilities statement template as a PDF instead of an Excel file?
The template is available as a fillable PDF and can be opened without a form or an email address: Asset and Liabilities Statement Template DE/EN (PDF, 2 pages) (Nederlands · Français). You can fill in the fields on screen, and the result can be saved and printed.
There is deliberately no Excel version of the assets and liabilities statement. The reason is not convenience: banks expect the statement to be in a format they can read, including space for the auditor’s report. A freely modified spreadsheet will result in precisely the kind of queries that the template is designed to avoid. If the statement includes companies, shareholdings or commercial properties, please use the commercial assets and liabilities statement; the rents for the individual properties should be included in the rent roll.
There is a separate Excel spreadsheet containing the calculations for the instalment page: the Repayment schedule as Excel.
Assets and liabilities statement in the event of inheritance or separation: Not every assets and liabilities statement is drawn up for a bank. There are two common occasions for which this is required, and both call for the same structure but a different reference date.
In the event of inheritance, the valuation is calculated as at the date of death, not as at today. Property is valued at its value on the reference date, loans at their outstanding balance on the reference date, and liabilities must be included in full — a community of heirs shares both. Anyone who needs it later for financing purposes, for example because a co-heir is to be paid out, should draw it up a second time as at the current date.
In the event of a separation, the date of the separation or the date on which the divorce petition was served is what counts. Here, too, the following applies: the inventory is not a negotiating position, but a stock-take. Anyone who omits certain points because they are uncomfortable loses the very basis on which any calculations can be made at all. What this means for the property — redemption, transfer or sale — is only determined on the basis of this assessment.
In both cases – inheritance or matrimonial property – the official valuation is carried out by a tax adviser or a lawyer. This template organises the figures; it does not replace the valuation.
Why is the template bilingual and structured?
Because it serves cross-border cases with assets in several countries: German and English side by side, fillable on screen or as a print template, so the bank sees at once what you bring.
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?
You complete the assets and liabilities statement for the bank part by part: one row per property, each liability separately, each asset with supporting evidence. The amounts are stated in thousands of euros (TEUR), as the column headings specify.
Part A: Property — One row per property with the address and land register entry (Grundbuchstelle); the rent as annual net rent, with target and actual shown separately.
For part ownership, state the total amount and your own share. Interest, repayment, fixed-rate period — The interest rate, the repayment rate and the end of the fixed-rate period are stated in the loan agreement (Darlehensvertrag) or on the bank’s annual account statement. Part B: Liabilities — Including contingent liabilities: guarantees, rent guarantees, leasing.
Enclose the contracts. Part C: Assets — Bank balances, surrender value of life insurance (Lebensversicherung), securities, fund units and shareholdings — each with supporting evidence. Completion — Date and signature; for larger financings, also the confirmation note of the tax adviser or auditor. Afterwards — Save, sign and return: by email to siegfried@perini-financeandproperty.com, via WhatsApp or by telephone on 02151 3293344.
Questions about individual items? Especially with assets in several countries or unusual assets, we are happy to help you directly. Initial consultation free of charge and without obligation.
What this template does not replace: The assets and liabilities statement is a working template and not legal or tax advice. Brokerage of consumer mortgage loans (Immobiliar-Verbraucherdarlehen) under the licence pursuant to §34i GewO (Olga Nikushkina).
When does the template help if your assets have changed through an inheritance? The private assets and liabilities statement is also suitable if your assets have changed through an inheritance. It shows your holdings: what you own, what is charged against it and what it yields, divided into property, other liabilities and other assets. It is a fillable two-page PDF, free of charge.
What must the assets and liabilities statement show in a divorce? All holdings must be stated according to the three parts of the template: property, other liabilities and other assets. In a separation, the relevant date is the day of separation or the day the divorce petition was served. Do not leave out any item because it is uncomfortable, because the statement is an inventory and not a negotiating position. The binding valuation is carried out by a tax adviser or lawyer.
Frequently asked questions
Excel template for an assets and liabilities statement: Why is the statement only available as a PDF?
Banks expect the form to be presented within their own structure, including space for the auditor’s or tax adviser’s certification. They require this certification for larger engagements. That is why we have deliberately provided only the two-page fillable PDF, which can be opened free of charge directly or via email.
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).
Assets and liabilities statement in the event of divorce in Excel: Is the template also available as an Excel file?
No, there is deliberately no Excel file, not even in the event of a divorce. The template is a two-page, fillable PDF, bilingual (German/English), free of charge and available to open directly or via email without having to fill in a form. The assets and liabilities statement is also suitable if your assets have changed as a result of an inheritance or divorce.
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.
Rent roll for a German mortgage: what does the bank want per unit?
The rents for the individual properties go into the rent roll; the whole position is shown in the assets and liabilities statement.
Commercial assets and liabilities statement: what does a German bank want from a company?
If a GmbH, a developer or a holding company borrows, the bank wants the company's position at a glance. Here is the bilingual template as a fillable PDF.
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.
