Buying a flat with a mortgage loan for a foreigner

The main task of the foreigner is to prove his or her ability to pay and the origin of the money. If the foreign national does not reside permanently in Germany and has no income in the country, the following conditions must be met in order to purchase a flat with a mortgage:

  • 50% equity as a down payment for the flat
  • financing is possible if the property has a budget of at least 200,000 euros
  • A rental agreement must be in place for the property

Banks are more willing to give credit if the credit housing is liquid. That is, it is well located in a major city in Germany, in a good part of town and in a new building. Second-hand housing is also a market, but banks pay attention to the condition of the property and the existence of a valid lease agreement.

If you wish, you can also buy a commercial property in Germany. In this case, the lease must be concluded for at least 3-5 years or more with an option to extend. Funding is also available from banks, with 50% equity capital.

Our company provides services for the selection of the desired property, supports at all stages of the purchase of residential or commercial premises. With us you will be able to invest your capital as advantageously as possible, thanks to an individual approach to each client!

Which apartment to buy and where in Germany for rental purposes
1 week ago

Which apartment to buy and where in Germany for rental purposes

Discover where to buy an apartment in Germany for rental investment. Learn about top cities, real rent levels, demand, and key investor tips.

How Much Does an Apartment in Tegel, Berlin Cost?
1 week ago

How Much Does an Apartment in Tegel, Berlin Cost?

Discover current apartment prices in Tegel, Berlin. Average prices, new construction, rental rates, and factors influencing the local real estate market.

Taxes in Germany: How to Legally Pay Less and Invest More
1 week ago

Taxes in Germany: How to Legally Pay Less and Invest More

Learn how to legally optimize taxes in Germany. 

Property Management in Germany: Self-Management or Professional Property Manager?
1 week ago

Property Management in Germany: Self-Management or Professional Property Manager?

Discover whether it’s better to manage your property in Germany yourself or hire a professional property management company. Compare costs, advantages, disadvantages, and tips for choosing reliable managers.

Germany Hotel Market Analysis 2025 – Recovery, Trends & Investment Insights
2 weeks ago

Germany Hotel Market Analysis 2025 – Recovery, Trends & Investment Insights

This article analyses Germany’s hotel market in 2024–2025. It covers the recovery in transaction volumes, record tourism numbers, prime yields, ESG and digitalisation trends, and includes case studies from Munich and other cities. Learn why the market is stabilising and how Dominart’s expertise can help you invest.

Which German cities have the cheapest real estate?
3 weeks ago

Which German cities have the cheapest real estate?

Which German cities have the cheapest real estate?