Living in Switzerland: which German banks finance a property in Germany?
The largest sub-market among residence countries: CHF income and pension-fund assets as equity. Income in francs is credited with a safety discount of 10 to 50 % rather than in full.
Which banks finance tax non-residents living in Switzerland?
Tax non-residents living in Switzerland can draw on 6 to 10 of the 650+ banks in reach. Income in francs is credited with a safety discount of 10 to 50 %, and the loan-to-value runs at 60 to 100 %. Pension fund capital can serve as equity only for an owner-occupied main residence, not for investment property or second homes.
How many German lenders will consider your case if you are living in Switzerland?
If you live in Switzerland, 6 to 10 German institutions with international experience come into question.
Which banks finance a mortgage in Germany from Switzerland?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience, and it is the largest sub-market among residence countries.
Which banks finance a mortgage in Germany from Switzerland? Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. It is the largest sub-market among residence countries, with CHF income and pension-fund assets usable as equity. Which German banks finance non-residents?.
CHF income: some lenders accept it, others do not
Income is typically paid in CHF.
Some lenders do not accept foreign-currency income — others do. Foreign-currency income and the banks that accept it.
What matters if you live in Switzerland?
Income is typically paid in CHF, and the full constellation consists of loan-to-value, documents and currency discount.
What matters if you live in Switzerland? Income is typically paid in CHF — details on the full constellation (loan-to-value, documents, currency discount) are on Residence Switzerland — all topics.
Frequently asked questions
Which banks finance tax non-residents living in Switzerland?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. The largest sub-market among residence countries: CHF income and pension-fund assets as equity.
What currency is my income paid in?
Typically CHF. Banks convert foreign-currency income into euros with a safety discount — details on the full constellation (loan-to-value, documents, currency discount) are on Residence Switzerland — all topics.
Can I use Swiss pension fund capital as equity for a German mortgage?
Pension fund capital can serve as equity only for an owner-occupied main residence, not for investment property or second homes.
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.