Self-disclosure form Germany: what does the bank ask, field by field?
The self-disclosure form is the structured overview of your financial situation — income, outgoings, assets and liabilities — that the bank needs to assess a loan. This template is bilingual and includes special fields for non-residents. The German mortgage requirements here are documented in full below — nothing held back for a form.
What is the self-disclosure form in Germany, and is there a bilingual template?
The self-disclosure form is the structured overview of your financial situation — income, outgoings, assets and liabilities — that a bank in Germany needs to assess a loan. This template is bilingual (DE/EN), fillable on screen or for printing, and all its sections are set out in full on this page; the PDF runs to three pages and comes with a separate data-protection consent sheet, free to your inbox.
What it has that a standard German form lacks are four entries for cases with residence or income abroad: country of residence and tax status (unlimited or limited liability), residence permit with type and expiry, income currency, and property held abroad with value and outstanding balance — without that last entry it does not count as equity. Perini Finance & Property is licensed under § 34i GewO and compares 650+ banks; the first consultation is free and non-binding.
What is the self-disclosure form?
The structured overview of your financial situation — income, outgoings, assets and liabilities — that a German bank needs to assess a loan. This template is bilingual (DE/EN), fillable on screen or for printing, and all its sections are set out in full on this page.
What does it have that a standard German form lacks?
Four entries for cases with residence or income abroad: country of residence and tax status (unlimited or limited liability), residence permit with type and expiry, income currency, and property held abroad with value and outstanding balance — otherwise it does not count as equity.
What do I get, and what does it cost?
The self-disclosure form as a fillable PDF (4 pages) plus a separate data-protection consent sheet, straight to your inbox, free — commission, as a rule, from the bank.
Who is behind it?
Perini Finance & Property — licensed under §34i GewO, 650+ banks compared, we know the banks whose lending rules cover foreign income and several income sources. First consultation free and non-binding.
All 13 sections of the self-disclosure
This is the complete content of the template. Knowing what is asked lets you gather everything once instead of sending three follow-ups — the most common reason a German financing drags on for weeks.
Personal Data
Persönliche Daten
- Surname
- First name
- Street and number
- Postcode, city, country
- Date of birth
- Nationality
- Marital status
- Number of children
- Phone / mobile
Tax Status & Residency
Steuer-Status & Wohnsitz
- Country of residence
- German tax ID (TIN)
- Foreign tax ID
- Tax status: unlimited or limited (NRA)
Residence Permit (if non-EU)
Aufenthaltstitel (falls Nicht-EU)
- Type of permit (§18b, §19c, §21, Blue Card)
- Issue date
- Valid until
- Settlement permit held?
Bank Account
Bankverbindung
- Bank and country
- IBAN
- BIC / SWIFT
Current Employment
Aktuelle Tätigkeit
- Type of employment
- Profession
- Employed since
- Employer and country
- Contract: permanent, probation or fixed-term
Monthly Income (net)
Monatliche Einnahmen (netto)
- Income currency
- Salary (net)
- Recurring variable income
- Self-employment income
- Pensions
- Rental income (net)
- Child benefit
- Alimony received
- Other income
Monthly Expenses
Monatliche Ausgaben
- Housing (rent or mortgage payment)
- Health insurance
- Other insurance
- Cost of living
- Loans / leasing
- Alimony paid
- Other expenses
Available Equity
Verfügbares Vermögen (Eigenkapital)
- Bank savings
- Securities / portfolio (market value)
- Life insurance (surrender value)
- Building society savings
- Other assets
Existing Property
Bestehendes Immobilienvermögen
- Number of properties
- Country / location
- Total market value
- Total living space
- Monthly rental income
- Outstanding loan balance
- Monthly mortgage payment
Other Liabilities
Sonstige Verbindlichkeiten
- Consumer and instalment loans
- Leasing contracts
- Guarantees given
- Other liabilities
Consent to data processing (GDPR Article 6, paragraph 1a)
Einwilligung
- Consent to processing for the purpose of a financing offer
- Place, date
- Signature of applicant and co-applicant
Your Financing Project
Ihr Vorhaben
- Purpose: purchase, new build, refinancing or modernisation
- Property address
- Property type, year built, living space
- Use: owner-occupied or let
- Purchase price or building costs
- Modernisation / own work
- Equity contributed
- Loan amount requested
- Preferred fixed-rate period
Additional Details
Ergänzende Angaben
- Birth name
- Place and country of birth
- At current address since
- Previous address
- Matrimonial property regime (e.g. separation of property)
- Salary payments per year (12, 13 or 14)
- Side job (type, since, net)
- Expected retirement date
- Existing loans fixed until
- Vehicles in household
Four entries a standard German form does not have
The usual bank forms are cut for domestic cases. Where residence or income sits abroad, they lack exactly the fields the assessment hangs on — and the bank then asks for them one at a time:
- Country of residence and tax statusunlimited or limited (NRA) tax liability — this decides which documents are needed (section 2)
- Residence permittype, issue date, expiry, settlement permit — the first question for non-EU applicants (section 3)
- Income currencya salary in francs, dollars or pounds is assessed differently from euros (section 6)
- Property held abroadmarket value, outstanding balance and payment per property, with country — otherwise it does not count as equity (section 9)
How do you fill in the self-disclosure form for a German bank correctly?
Fill in the self-disclosure form with monthly figures and your documents at hand: net, as it arrives in your account, complete on instalments and only with assets you can prove. The bank checks every figure against the documents.
- Two columnsOnly someone who co-signs the loan fills in the second column — for couples buying together, both.
- Sections 1 to 4: personal detailsAs in your passport or ID; non-EU nationals add the residence permit with its expiry (section 3).
- Section 5: employmentTick probation or a fixed term as it is — the bank sees it in the employment contract anyway.
- Section 6: incomeNet amounts per month; variable income only if it is paid regularly. How many salaries are paid per year goes into section 13.
- Section 7: expensesAll current instalments, including leasing and loans that continue. Undisclosed instalments show up in the credit report anyway.
- Sections 8 to 10: assets and liabilitiesOnly amounts a document shows; bank statements no more than four weeks old. With several properties, add the assets and liabilities statement.
- Section 11: consentPlace, date and the signature of every applicant — without a signature the form is incomplete.
- Section 12: your projectPurchase price without ancillary costs, plus the equity you contribute; the ancillary costs are usually paid from it.
- Section 13: additional detailsBirth name, previous address, matrimonial property regime and the number of salaries per year — details the bank would otherwise ask for one by one.
- ThenSave, sign and send it back: by e-mail to siegfried@perini-financeandproperty.com, via WhatsApp or by phone on +49 2151 3293344.
What you get
- Self-disclosure DE/EN · bilingual, fillable on screen or for printing
- Straight to your inbox · as an attachment, ready to use
Open the file directly — no form: Self-disclosure form DE/EN (PDF, 4 pages)
Consent only: Data protection consent DE/EN for signature (PDF, 1 page) — section 11 of the self-disclosure form as a sheet of its own, extended by withdrawal, retention period and your rights. For cases where only the consent has to be signed.
Want to fill it in together?
If you have questions about individual fields — especially with foreign income or several income sources — I'm happy to help directly. First consultation free and non-binding.
What this template doesn't replace
The self-disclosure form is a working template, not legal or tax advice. Mortgage brokerage under the German §34i GewO licence (Olga Nikushkina).