Tax non-residents in the United States: which German banks lend?
Distance is not the hurdle — reporting obligations (FATCA) are. Solvable if addressed at the start, not the end.
Which banks finance tax non-residents in the United States?
Tax non-residents in the United States are financed by lenders that do not rule out US residence across the board. Distance is not the hurdle; the FATCA reporting obligations are, and some lenders decline US residence outright. USD income works with 6 to 10 specialist banks at a discount of 10 to 50 %.
What matters if you live in the United States?
For US residents, a circle of 6 to 10 of the 650+ banks generally comes into question. The hurdle is the FATCA reporting obligations, not distance, and they are solvable if addressed at the start.
US residents: 6 to 10 of 650+ banks come into question: Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. Distance is not the hurdle; the FATCA reporting obligations are, and they are solvable if addressed at the start. Which German banks finance non-residents?.
How is USD income converted into euros?
Income is typically paid in USD; banks convert foreign-currency income into euros with a safety discount.
Who arranges this?
Perini Finance & Property — licensed under § 34i GewO, 650+ banks compared, we know the banks whose lending rules cover a residence in the United States. The initial consultation is free — as a rule the bank pays our fee. What our advice costs.
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?
Of the 650+ banks in reach, tax non-residents generally have a circle of 6 to 10 institutions with international experience. Distance is not the hurdle — reporting obligations (FATCA) are. Solvable if addressed at the start, not the end.
What currency is my income paid in?
Typically USD. Banks convert foreign-currency income into euros with a safety discount — details on the full constellation (loan-to-value, documents, currency discount) are on UK, USA & Asia — all topics.
Do the FATCA reporting obligations rule out a German mortgage for US residents?
Distance is not the hurdle, the FATCA reporting obligations are, and some lenders decline US residence outright. The obligations are solvable if addressed at the start, not the end.
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.