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.
The status decides the circle of lenders, not whether financing is possible at all. Easiest is an EU passport, followed by the settlement permit as an unlimited title — both are treated by almost every house like a domestic file. With time-limited permits the choice narrows, and here comes the point most applicants miss: banks assess not only the current status but the realistic path to permanent residence. For the EU Blue Card that path leads to a settlement permit after 21 months with language level B2, or after 33 months with B1. That predictability is an argument that belongs in the conversation rather than being left to the bank to discover. In practice: remaining term of the permit, length of employment and the foreseeable next step belong in the documents, not in a verbal explanation.
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.
Model calculations without guarantee. Not binding offers. Terms vary depending on credit profile, property and bank. No tax or legal advice.
Free, non-binding initial consultation — the commission is paid by the bank. I check 500+ banks plus all state development programmes for your situation.