Living in the Netherlands: which German banks finance a property in Germany?
Euro income makes this constellation accessible for the pool of banks, though unlike Austria, documents and communication are not automatically in German. 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 the Netherlands?
Tax non-residents living in the Netherlands generally have a circle of 6 to 10 of the 650+ banks in reach. Euro income makes this one of the more accessible constellations. Which of these banks apply depends on one point: unlike with Austria, documents and correspondence do not automatically run in German.
Why is the pool of German banks accessible if you are living in the Netherlands?
If you live in the Netherlands, euro income keeps the pool of German banks accessible.
Which banks finance a mortgage in Germany from the Netherlands?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience, and euro income makes it accessible for the pool of banks.
Which banks finance a mortgage in Germany from the Netherlands? Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. Euro income makes it accessible for the pool of banks. Which German banks finance non-residents?.
Euro income: no foreign-currency discount
Income is typically paid in euro, so no foreign-currency discount comes into play.
What matters if you live in the Netherlands?
If you live in the Netherlands, your income is typically paid in euro.
What matters if you live in the Netherlands? Income is typically paid in euro — details on the full constellation (loan-to-value, documents, currency discount) are on EU residence — all topics.
Frequently asked questions
Which banks finance tax non-residents living in the Netherlands?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. Euro income — accessible for the pool of banks, though unlike Austria, documents and communication are not automatically in German.
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.
Do documents and correspondence with German banks run in German if I live in the Netherlands?
Not automatically. Unlike with Austria, documents and correspondence do not automatically run in German, and which of the banks apply depends on this point.
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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.