Assets and liabilities statement: what is it, and why does the bank want it?
Alongside the self-disclosure form, many banks ask for a separate assets and liabilities statement on larger financings, or where income and assets come from several sources — property, liabilities and other assets at a glance. This template is bilingual and fillable on screen. The full structure of the assets and liabilities statement is documented below — nothing held back for a form.
What is the assets and liabilities statement, and why does the bank want it?
The assets and liabilities statement is a bilingual (DE/EN), fillable template in three parts: real estate — twelve rows, one per property, with rent, loan, creditor and market value — other liabilities including guarantees and leasing, and other assets such as bank balances, securities and participations, closing with a declaration and space for certification by a tax advisor or auditor.
The bank wants it in addition to the self-disclosure because the two answer different questions. The self-disclosure describes the current month, income and outgoings; the statement describes the stock — what you own, what is charged against it and what it yields. With several properties, participations or larger financings, the self-disclosure alone does not answer that. The statement is a two-page fillable PDF, free to your inbox, and its full structure is set out on this page. Licensed under § 34i GewO, 650+ banks compared.
What is the assets and liabilities statement?
A bilingual (DE/EN), fillable template in three parts: real estate (twelve rows, one per property, with rent, loan, creditor and market value), other liabilities including guarantees and leasing, and other assets such as bank balances, securities and participations — closing with a declaration and space for certification by a tax advisor or auditor.
Why does the bank want it in addition to the self-disclosure?
The self-disclosure describes the current month — income and outgoings. The assets and liabilities statement describes the stock: what you own, what is charged against it and what it yields. With several properties, participations or larger financings, the self-disclosure alone does not answer that.
What do I get, and what does it cost?
The statement as a fillable PDF (2 pages), straight to your inbox, free — commission, as a rule, from the bank. The full structure is set out on this page.
Who is behind it?
Perini Finance & Property — licensed under §34i GewO, 650+ banks compared, we know the banks whose lending rules cover cross-border cases with assets in several countries. First consultation free and non-binding.
The three parts of the assets and liabilities statement
This is the complete structure of the template. Knowing in advance which column the bank needs saves three rounds of follow-ups — with several properties, that is where the weeks go.
Real estate
Twelve rows, one per property. For part-ownership, totals and your own share are stated separately.
- Property, address and land-register entry
- Type of use
- Residential and commercial area in sqm
- Annual net rent: target and actual
- Interest and repayment p. a.
- Interest rate and repayment rate in % p. a.
- Terms fixed until
- Creditor
- Outstanding loan balance
- Market value
To attach: land-register extract, cadastral map, photos, purchase contract where applicable.
Other liabilities
Including contingent liabilities — guarantees, rent guarantees, leasing. Attach the contracts.
- Amount
- Creditor
- Interest and repayment p. a.
- Purpose
Other assets
Attach statements, life-insurance policies and your tax assessment.
- Cash and bank balances
- Life-insurance surrender value
- Securities: shares
- Fixed-income securities
- Real-estate fund units
- Participations
- Other assets
At the end sits the declaration that the position is stated completely and correctly — with space for certification by a tax advisor or auditor. German banks ask for exactly that certification on larger exposures.
Why the bank wants it in addition to the self-disclosure
The self-disclosure asks for income and outgoings — it describes the current month. The assets and liabilities statement describes the stock: what you own, what is charged against it and what it yields. With several properties, with participations or on larger financings, the self-disclosure alone does not answer that for the bank.
Bilingual, structured, ready to use
- LanguagesGerman and English, side by side
- FillableOn screen (PDF form fields) or as a print template
- CoversReal estate assets, liabilities, other assets
A structured, bilingual overview is especially useful for cross-border cases with assets in several countries — the bank sees at a glance what you bring to the table.
How do you fill in the assets and liabilities statement for a German bank correctly?
Fill in the statement part by part: one row per property, each liability separately, each asset with evidence. Amounts are in thousands of euros (TEUR), as the column headers show.
- Part A: real estateOne row per property with address and land-register entry; rent as annual net rent, target and actual separately. For part ownership, state the total and your own share.
- Interest, repayment, fixed-rate periodInterest rate, repayment rate and the end of the fixed-rate period are in the loan agreement or on the bank's annual statement.
- Part B: liabilitiesContingent liabilities too: guarantees, rent guarantees, leasing. Attach the contracts.
- Part C: other assetsBank balances, surrender value of life insurance, securities, fund units and shareholdings — each with evidence.
- ClosingDate and signature; for larger financings also the confirmation of a tax adviser or auditor.
- 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
- Assets & liabilities statement 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: Net-worth statement DE/EN (PDF, 2 pages)
Questions about individual entries?
Especially with assets in several countries or unusual asset types, I'm happy to help directly. First consultation free and non-binding.
What this template doesn't replace
The assets and liabilities statement is a working template, not legal or tax advice. Mortgage brokerage under the German §34i GewO licence (Olga Nikushkina).