Which status opens which banks? From an EU passport through a settlement permit to a fixed-term residence permit — your status largely decides the range of banks, the terms and the equity required.
Equity like a German citizen (8–15 % transaction costs). Freedom of movement, no residence permit needed.
Equity like a German citizen. Permanent — the best possible status.
From 8–15 % equity with good creditworthiness. Fixed-term, but established.
30–40 % equity. The remaining term has to fit.
Equity like a German citizen. Permanent, valid EU-wide.
Guide values. Actual terms depend on the bank, creditworthiness and property.
Banks assess not only your current status but also the realistic path to consolidation:
I help you document your residence status and planned path in a bank-compliant way — that strengthens the application.
Model calculation, without guarantee.
Model calculation, without guarantee. Path to settlement permit assessed.
Free, non-binding initial consultation — the commission is paid by the bank. I check 500+ banks plus all state development programmes for your situation.