Buying a House in Germany — Banks for US Residents
Distance is not the hurdle — reporting obligations (FATCA) are. Solvable if addressed at the start, not the end. Olga Nikushkina has arranged more than 300 financings for tax non-residents since 2019.
Which banks finance tax non-residents living in the United States?
Distance is not the hurdle — reporting obligations (FATCA) are. Solvable if addressed at the start, not the end. The conversion right under §503 BGB does not apply — the United States is not an EU member. Of the 650+ banks in reach, tax non-residents generally have a circle of 6–10 institutions — for the United States the point above additionally decides which of them apply. Olga Nikushkina has arranged more than 300 financings for tax non-residents since 2019. This is not legal or tax advice.
What legally applies for residence in the United States
The conversion right under §503 BGB does not apply — the United States is not an EU member. Income is typically paid in USD — details on the full constellation (loan-to-value, documents, currency discount) are on UK, USA & Asia — all topics.
Frequently asked questions
Which banks finance tax non-residents living in the United States?
Does the conversion right under §503 BGB apply for residence in the United States?
What currency is my income paid in?
By country and topic
All banks for tax non-residents
Partner network, institution types, reach vs. brokerage.
All banks for tax non-residents →UK, USA & Asia — all topics
Loan-to-value, documents, conditions for the United States.
UK, USA & Asia — all topics →Run the numbers and check funding
Calculate your budget
How much property is realistically financeable with your equity and income?
Calculate your budget →KfW funding
Usually excluded for a pure investment property from abroad — returning for owner-occupation often opens up regular KfW programmes.
KfW funding →State funding by federal state
Almost every federal state has its own development bank, often combinable with KfW.
State funding by federal state →Discuss your case
Non-binding initial consultation free of charge — the bank pays our fee.