Tax non-resident · NL · AT · eurozone

Financing property in Germany: residence in the Netherlands or Austria

Euro income, no conversion right — the Netherlands and Austria are among the more accessible non-resident constellations. What still gets checked closely.

Key figures

NL/AT residence at a glance

✓ No Conversion right (euro countries)

EUR Preferred by banks

30–35 % Equity + incidental costs

20–30 % Of all banks active here

Why the Netherlands and Austria are easier constellations

Anyone living and working in the Netherlands or Austria has two advantages over other tax non-residents: no conversion right (both are euro countries) and income in euros — which makes the assessment considerably simpler for banks.

Even so, it is not a standard case. A residence abroad remains a special case for banks. The choice is larger than for foreign-currency countries, but smaller than for residents. I find the right bank for your constellation.

What banks check closely despite a euro residence

Stability of residence: how long in NL/AT already? A temporary posting or a permanent centre of life?
Employer: a Dutch/Austrian company, or a German company with a foreign posting?
Intention to return: some banks factor this in; less relevant for investment properties
Creditworthiness / SCHUFA: a SCHUFA score may be missing — alternatives: a Dutch BKR extract or an Austrian KSV report
Notary appointment: EU free movement makes appearing in person easy