Financing property in Germany while living elsewhere in the EU
Netherlands, Austria, Italy, Spain, France — the simplest cross-border constellations for Germans abroad. Euro, no currency risk, an established circle of banks.
Market reference values, Germany
Market reference values for Germany, as of 06/2026 — not offers; terms depend on creditworthiness and the property. KfW funding modules depend on the project and on owner-occupation, with eligibility assessed case by case. Sources: Deutsche Bundesbank (MFI interest-rate statistics), KfW, Dr. Klein.
EU residences by complexity
Established · EUR
No conversion right. Loan-to-value up to 80–90 %. Large circle of banks.
Very similar to NL
EUR, established. Loan-to-value up to 80 %. Cross-border commuter constellations too.
EUR, workable
A medium circle of banks. Loan-to-value 70–80 %.
German citizens resident in ES/PT too
Loan-to-value 70–80 %. Tip: for investments in Spain itself → sister site perini.es.
EUR · circle of banks available
Loan-to-value up to 80 %.
EU foreign currency (DKK, SEK, PLN)
A smaller circle of banks (2–4 banks). Loan-to-value 70 %.
How an application works with an EU residence
Proof of residence
Registration certificate, tenancy agreement or proof of ownership from the EU country.
Proof of income
Payslips or tax assessments from the EU country, in the original language + EN/DE.
Proof of equity
Bank statements; may be in EUR from an EU bank.
Notary appointment in Germany
Travelling in person is easy (EU free movement), or a power of attorney.
Germans abroad moving to Spain or Italy
A common constellation: you are planning a move to Spain or Italy for the quality of life — but you want to keep German investment properties as ongoing income, or buy new ones. I coordinate both:
- Financing a German investment property while still liable to tax in Germany → classic, like a German residence
- Holding/financing a German investment property when your tax liability changes → an adjusted choice of bank, KfW options checked
- Adding a Spanish or Portuguese property: the sister site perini.es serves non-resident mortgages in Spain and Portugal directly — everything from one source
Common questions
What about a residence in the Netherlands?
Residence in Austria — what to bear in mind?
Italy, Spain, France — what’s possible?
Financing from other countries
United Kingdom
Living abroad.
View page → OverviewAll countries of residence
Living abroad.
View page → ResidenceNetherlands & Austria
Living abroad.
View page → ResidenceSwitzerland
Living abroad.
View page → ResidenceUSA & Canada
Living abroad.
View page → ResidenceUSA, UK & Asia
Living abroad.
View page → ResidenceUAE & Dubai
Living abroad.
View page →Request a feasibility check
I review your specific financing situation — free, non-binding, in German, English or Russian.