100% purchase-price financing
Only the incidental purchase costs as equity. Especially interesting for buy-to-let — leverage, equity return over 20% possible. Requirement: very strong credit standing.
100% full financing at a glance
What 100% financing means — and when it makes sense
With 100% purchase-price financing, the bank finances the entire purchase price. You bring only the incidental purchase costs as equity — depending on the federal state 8–15% (transfer tax, notary, land register).
With 110% financing, the bank also finances the incidental costs — you buy with zero equity. That is considerably rarer and available only with top credit standing.
When 100% financing is worthwhile
- Buy-to-let: leverage — small equity, larger assets. Equity return over 20% possible.
- Expats and Germans abroad: equity held abroad (USA, Dubai) — transferring it to Germany in advance is complicated; keep better liquidity
- Strong credit standing, little equity: the typical profile of young high earners — the income is there, the savings not yet
- Tax strategy: for buy-to-let, maximised deductible expenses (loan interest fully deductible)
What banks require for 100%
- Very strong credit standing: SCHUFA score > 95%, no negative entries
- Stable income: net €3,500+ per month as a single applicant, higher for couples
- Permanent employment or established self-employment (3+ years, good accounts)
- A property with a good lending value: not in poor locations or refurbishment cases without a concept
- A minimum loan usually €250,000+ — smaller amounts don’t fit the 100% model
What 100% financing costs
With a high loan-to-value (100% instead of the typical 60–80%), the bank charges an interest surcharge — typically 0.1–0.3% over standard terms. In return, your equity stays available for other purposes.
Note, an investment decision: not putting in equity can be mathematically sensible for buy-to-let — for an owner-occupied home the calculation is more individual. I calculate both variants through.
Frequently asked questions
Will I really get 100% financing?
What is 110% financing?
When is 100% mathematically sensible, and when not?
Related financing
Follow-up financing & debt restructuring
Financing topic.
View page → FinancingCheck your property’s bankability
Financing topic.
View page → FinancingFinancing existing properties
Financing topic.
View page → FinancingFinancing listed buildings
Financing topic.
View page → FinancingFinancing energy class H — what still works in 2026
Financing topic.
View page → FinancingMortgage with foreign-currency income
Financing topic.
View page → FinancingMore than an interest rate
Financing topic.
View page → FinancingPurchase price is not lending value
Financing topic.
View page → FinancingFinancing a QNG new build
Financing topic.
View page → FinancingFollow-up financing despite living abroad
Financing topic.
View page → FinancingGerman buy-to-let for non-residents
Financing topic.
View page → FinancingConversion right §503 BGB explained
Financing topic.
View page →Request a financing analysis
Free, non-binding initial consultation — the commission is paid by the bank. I check 500+ banks plus all state development programmes for your situation.