Living in Austria: which German banks finance a property in Germany for non-residents?
Euro income and German as a shared language make this one of the most straightforward tax non-resident constellations: no language barrier for documents, notary or the bank conversation. Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience.
Which banks finance tax non-residents living in Austria?
Tax non-residents living in Austria generally have a circle of 6 to 10 of the 650+ banks in reach. Euro income makes this one of the more accessible constellations: there is no exchange-rate discount, and documents and communication run in German. The stability of the residence, the employer and any intention to return decide which of these banks apply.
Why is a German property financing case straightforward when you are living in Austria?
If you live in Austria, euro income and German as a shared language keep the case straightforward.
Which banks finance a mortgage in Germany from Austria?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience, and German as a shared language means no barrier for documents, notary or the bank conversation.
Which banks finance a mortgage in Germany from Austria? Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. German as a shared language means no barrier for documents, notary or the bank conversation. Which German banks finance non-residents?.
Income in euro keeps the case straightforward
Income is typically paid in euro, which keeps the case straightforward for the pool of banks.
What matters if you live in Austria? Income is typically paid in euro — details on the full constellation (loan-to-value, documents, currency discount) are on EU residence — all topics.
Financial planning for German property non-residents from Austria: income, equity and documents
From Austria, income is typically paid in euro, so there is no exchange-rate discount, and documents and communication run in German.
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. The stability of the residence, the employer and any intention to return decide which of them apply. Details on loan-to-value and documents are on the EU residence page.
German real estate investment for non-residents and expats: what residents of Austria should know
Residents of Austria should know that a pure investment property from abroad is usually excluded from KfW funding.
Returning for owner-occupation often opens up regular KfW programmes and a wider pool of lenders. The notary appointment usually takes place in person in Germany, and a certified power of attorney is possible by arrangement. This is not legal or tax advice.
Frequently asked questions
Which banks finance tax non-residents living in Austria?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. Euro income and German as a shared language — one of the most straightforward tax non-resident constellations: no language barrier for documents, notary or the bank conversation.
What currency is my income paid in?
Typically euro. Banks convert foreign-currency income into euros with a safety discount — details on the full constellation (loan-to-value, documents, currency discount) are on EU residence — all topics.
Can I get KfW funding for a property in Germany while living in Austria?
A pure investment property from abroad is usually excluded from KfW funding. Returning for owner-occupation often opens up regular KfW programmes and a wider pool of lenders.
Discuss your case
Non-binding initial consultation free of charge — as a rule the bank pays our fee.
Related pages
Calculate your budget
How much property is realistically financeable with your equity and income?
KfW funding
Usually excluded for a pure investment property from abroad — returning for owner-occupation often opens up regular KfW programmes.
State funding by federal state
Almost every federal state has its own development bank, often combinable with KfW.
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.