Third countries — the constellations furthest from the standard, but entirely workable. FATCA, internal country lists, foreign-currency income — I know the small circle of banks that finance them anyway. For anyone moving to Germany, the financing path stays the same regardless of which country you're coming from.
Yes. These third countries are the narrowest market but entirely workable through a small circle of specialist banks. Loan-to-value 60–100 %, depending on income type and creditworthiness; equity up to 40 % depending on the case, plus incidental costs.
Yes. Since the UK is no longer in the EU, lenders assess a UK residence under their ordinary country rules, which has paradoxically made some banks more accessible; GBP income is possible at specialist banks with loan-to-value 60–100 %, depending on income type and creditworthiness.
Through substitute evidence — and that is what decides whether a third-country file works. Anyone who has lived in the United States, the United Kingdom or Asia for years has no current German credit history, so a standard bank's scoring simply finds nothing.
Lenders who handle these cases work instead with several months of account statements, foreign tax assessments and an employer confirmation, usually in English. Two further points need settling before credit standing is even reached: which law governs the loan contract, and how identification works without the domestic PostIdent procedure.
That is why fewer banks underwrite third-country constellations — not because of distance, but because of the chain of evidence. They are regularly workable; they need preparation rather than renegotiation. Gathering the evidence before the first appointment is what shortens the process, not arguing about the rate afterwards.
6 to 10 specialist banks. Loan-to-value 60–100 %. Minimum loan often €200,000.
GBP income at specialist banks. Loan-to-value 60–100 %.
Corporate employment preferred. Loan-to-value 60–100 %.
Stable corporate contracts work best. Loan-to-value 60–100 %.
CNY is taken by very few banks — capital controls make proof of equity more involved.
A small but active circle of banks. Loan-to-value 60–100 %.
I check in advance, free of charge, whether a banking route exists for your constellation — before you invest effort.
From the circle of 6 to 10 banks I name the ones that are realistic for your situation.
I prepare the application completely and in bank-compliant form, with English-German cover texts if needed.
I communicate with the bank and secure the best terms.
| Item | Amount |
|---|---|
| Purchase price | €185,000 |
| Renovation share | €80,000 |
| Equity | €50,000 |
| Bank loan | €215,000 |
| Income | USD — tech corporation |
| Example rate | 4.5 % |
| Listed-building depreciation §7i | 100 % / 12 yrs |
Model calculation, without guarantee.
| Item | Amount |
|---|---|
| Purchase price | €340,000 |
| Equity | €125,000 (37 %) |
| Bank loan | €215,000 |
| Income | USD — international company |
| Example rate | 4.4 % |
| Monthly payment | ~€1,175 |
| Rental income | ~€1,350/month |
Model calculation, without guarantee.
Model calculations without guarantee. Not binding offers. Terms vary depending on credit profile, property and bank. No tax or legal advice.
I review your specific financing situation — free, non-binding, in German, English or Russian.