Rent roll for a German mortgage: what the bank wants per unit
If you buy or refinance a let building, or already own let flats, the German bank asks for a rent roll (Mietaufstellung). Here is the bilingual template as a fillable PDF.
Is there a rent roll template for a German mortgage?
Yes: the bilingual rent roll lists, per flat, office or shop, the location, use, tenant, start of tenancy, area, net rent, service charges and stepped rent, fillable as a PDF, free. The bank sees on one page what the property earns and checks it against the tenancy agreements.
Download the rent roll template: open the PDF directly or receive it by email
- Rent roll DE/EN · bilingual, fill in on screen or print
- By email · as an attachment, ready to use
Open the PDF directly — no form: Rent roll template DE/EN (PDF, 1 page) (Nederlands · Français)
When does the bank ask for a rent roll?
For every let property: buying an apartment building, an investment purchase, follow-up financing and let properties you already own; it is the overview the bank calculates with, unit by unit.
When does the bank ask for it? For every let property: buying an apartment building, an investment purchase, follow-up financing, and let properties you already own.
Why are the tenancy agreements not enough? The agreements are the evidence. The rent roll is the overview the bank calculates with — unit by unit, with a total.
Does the template cost anything?
No. Open the PDF directly without a form or receive it by email.
One line per unit, 16 lines in total and a total of the monthly figures. All fields are labelled in German and English.
Property, owner, date — address of the building, who owns it, and the date the figures refer to; Unit — unit number, location in the building and use as flat, office or shop; Tenant — name and let since;
Area and rooms — living or usable area in m² and number of rooms; Rent — net rent and service charges in euros per month; Stepped rent — agreed increases, e.g. “EUR 850 from 01/2027”; Remarks — vacancy, notice given, commercial unit with VAT or other specifics.
How does a German bank count your rental income?
Rental income counts as income in the household budget, but not in full: the bank deducts an allowance for vacancy and costs. Only the actual rent is counted, at most the usual local rent. That is why the tenancy agreements and the last three months of rent received belong with the rent roll. For a new build, the expected rent according to the local rent index counts.
More and more banks count rent from property abroad as zero — what applies then.
Which other forms does the bank need?
The rent roll shows what your properties bring in. The Assets and Liabilities Statement shows your entire holdings — properties, debts, other assets — and for a company, the Commercial Assets and Liabilities Statement. Income and expenditure are set out in the self-disclosure. All documents for the financing: Mortgage Documentation Checklist.
What does this template not replace?
The rent roll is a working template, not legal or tax advice.
Consumer property loans are arranged under the licence pursuant to §34i GewO (Olga Nikushkina).
How do you fill in the rent roll correctly?
Enter the reference date, one row per unit, the basic rent separately from the service charges, and agreed increases in the ‘Stepped rent’ column; for index-linked rent, in the comments.
Reference date — Enter at the top the date to which the figures apply — ideally the first of the month. One row per unit — Include vacant units as well, noting ‘Vacant’ under comments. Basic rent separately — State basic rent and service charges separately; the bank calculates with the basic rent.
Stepped rent and index — Agreed increases in the ‘Stepped rent’ column; index-linked rent under comments. Check the total — The total must match the rent receipts on the bank statements. Afterwards — Save, sign and send back: by email to siegfried@perini-financeandproperty.com, via WhatsApp or by phone on 02151 3293344.
Frequently asked questions
Is there a rent roll template for a German mortgage?
Yes. The bilingual rent roll (German/English) is available on this page as a fillable PDF (1 page) (Nederlands · Français), free — open it directly or receive it by email. It has room for 16 units and a total line.
Which evidence goes with the rent roll?
The existing tenancy agreements and the rent received over the last three months, for example as bank statements. For a new build, the expected rent according to the local rent index counts.
Does the bank count the rent in full?
No. Rental income is taken into account, but not in full, and at most up to the local comparable rent. How the bank calculates with it is explained under household budget calculation.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
what applies then
Non-resident mortgage in Germany: up to 100 % of the lending value where the income carries it, foreign-currency salaries included.
Household budget
Budget calculation for a loan: what income and expenditure the bank takes into account, why flat-rate figures are used, and where to find the template.
assets and liabilities statement
Assets and liabilities statement (DE/EN): free bilingual template, fillable on screen — real estate, other liabilities and other assets for your bank.
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.
