All Countries
Real Estate
Mortgage Application Form

Mortgage Application Form Template for Germany

Create a bespoke document in minutes,  or upload and review your own.

4.6 / 5
4.8 / 5

Let's create your Mortgage Application Form

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Get your first 2 documents free

Your data doesn't train Genie's AI

You keep IP ownership of your information

Key Requirements PROMPT example:

Mortgage Application Form

"I need a German Mortgage Application Form for a first-time home buyer seeking a €300,000 loan for a residential property in Berlin, with the form to be submitted by March 2025; please include all standard sections for personal income verification and property details."

Celebrated by
Collaborations with
Investors
Document background
The Mortgage Application Form (Baufinanzierungsantrag) is a crucial document used in German real estate financing processes to initiate a mortgage loan application. It serves as the primary information-gathering tool for lending institutions, collecting comprehensive data about the prospective borrower(s), the property to be financed, and the desired loan terms. This document must comply with strict German banking regulations, including the Kreditwesengesetz (KWG) and consumer protection laws, while also adhering to EU-wide regulations such as GDPR. The form is typically used when individuals or entities seek financing for property purchase, construction, renovation, or refinancing in Germany. It includes sections for personal information, employment details, financial status, property specifications, and various declarations required under German law.
Suggested Sections

1. Personal Information (Persönliche Angaben): Essential personal details including full name, date of birth, nationality, marital status, and contact information of all applicants

2. Address and Residency Details (Adress- und Wohnangaben): Current address, previous addresses (if less than 3 years at current address), and residency status

3. Employment Information (Beschäftigungsinformationen): Current employment details, position, length of employment, employer information, and employment history

4. Income Details (Einkommensangaben): Monthly net income, additional income sources, and proof of regular income

5. Property Information (Objektangaben): Details of the property to be financed, including address, type, size, and current market value

6. Loan Request Details (Kreditwunsch): Desired loan amount, preferred term, interest rate type (fixed or variable), and intended use

7. Financial Obligations (Finanzielle Verpflichtungen): Existing loans, credit cards, regular payment obligations, and other financial commitments

8. Assets Declaration (Vermögensaufstellung): Bank accounts, investments, properties owned, and other significant assets

9. SCHUFA Declaration (SCHUFA-Klausel): Consent for credit check and information sharing with SCHUFA (German credit bureau)

10. Data Protection Notice (Datenschutzerklärung): GDPR-compliant declaration about data collection, processing, and sharing

11. Declarations and Signatures (Erklärungen und Unterschriften): Final declarations of accuracy and authorization signatures

Optional Sections

1. Self-Employed Income (Selbständige Einkünfte): Additional section for self-employed applicants, including business financial information and tax returns

2. Rental Income (Mieteinnahmen): For properties generating rental income, including current rental agreements and income projections

3. Co-Applicant Information (Mitantragsteller): When there is more than one applicant, duplicate of personal information sections for additional applicants

4. Construction Details (Bauvorhaben): For new construction financing, including construction plans and cost estimates

5. Refinancing Information (Umschuldungsinformationen): For refinancing existing mortgages, including current loan details and remaining balance

6. Foreign Income (Ausländische Einkünfte): For applicants with income from foreign sources, including currency and transfer details

Suggested Schedules

1. Required Documentation Checklist (Dokumentencheckliste): List of all required supporting documents including ID, income proof, property documentation

2. Property Valuation Report (Objektbewertung): Professional assessment of the property value and condition

3. Interest Rate Schedule (Zinsübersicht): Current interest rates and conditions for different mortgage products

4. Cost Breakdown (Kostenaufstellung): Detailed breakdown of all costs including purchase price, additional costs, and financing requirements

5. Terms and Conditions (Allgemeine Geschäftsbedingungen): Standard terms and conditions of the mortgage agreement

6. SCHUFA Information Sheet (SCHUFA-Informationsblatt): Detailed information about credit checking procedures and rights

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant legal definitions
Annual Percentage Rate (Effektiver Jahreszins)
Applicant (Antragsteller)
Co-Applicant (Mitantragsteller)
Collateral (Sicherheit)
Credit Score (Bonitätsbewertung)
Down Payment (Eigenkapital)
Fixed Interest Period (Zinsbindungsfrist)
Ground Charge (Grundschuld)
Land Register (Grundbuch)
Lender (Kreditgeber)
Loan Amount (Darlehensbetrag)
Loan Term (Kreditlaufzeit)
Mortgage (Hypothek)
Net Income (Nettoeinkommen)
Property Value (Objektwert)
Purchase Price (Kaufpreis)
Repayment Rate (Tilgungsrate)
SCHUFA Score (SCHUFA-Auskunft)
Special Repayment (Sondertilgung)
Total Costs (Gesamtkosten)
Variable Interest Rate (Variables Darlehen)
Property Charges (Grundstückslasten)
Notary Costs (Notarkosten)
Real Estate Transfer Tax (Grunderwerbsteuer)
Building Insurance (Gebäudeversicherung)
Processing Fee (Bearbeitungsgebühr)
Living Space (Wohnfläche)
Construction Costs (Baukosten)
Additional Expenses (Nebenkosten)
Registration Priority (Rangvormerkung)
Clauses
Personal Information Disclosure
Data Protection
Credit Check Authorization
Income Declaration
Property Details
Financial Obligations
Asset Declaration
Insurance Requirements
Property Valuation
Documentation Requirements
Interest Rate Terms
Loan Amount Declaration
Repayment Terms
Default Provisions
Security Interest
Truth and Accuracy Declaration
Consumer Rights
Consent to Information Sharing
Anti-Money Laundering
Electronic Communication Consent
Property Usage Declaration
Change in Circumstances
Additional Costs
Processing Fee Agreement
Third-Party Authorization
Relevant Industries

Banking

Real Estate

Financial Services

Mortgage Lending

Insurance

Legal Services

Property Development

Construction Finance

Relevant Teams

Mortgage Lending

Credit Risk Assessment

Legal Compliance

Document Processing

Customer Relations

Underwriting

Property Valuation

Risk Management

Operations

Front Office

Quality Assurance

Relevant Roles

Mortgage Advisor

Loan Officer

Credit Risk Analyst

Banking Compliance Officer

Real Estate Agent

Property Appraiser

Banking Operations Manager

Mortgage Underwriter

Legal Counsel

Customer Service Representative

Branch Manager

Financial Advisor

Documentation Specialist

Risk Management Officer

Property Finance Specialist

Industries
Bürgerliches Gesetzbuch (BGB) - German Civil Code: Fundamental law governing contracts, property rights, and mortgage agreements (particularly §§ 1113-1190 on mortgages and land charges)
Kreditwesengesetz (KWG) - German Banking Act: Regulates banking operations and financial services, including mortgage lending requirements and banking supervision
Wohnimmobilienkreditrichtlinie (WIKR) - Residential Real Estate Credit Directive: Implementation of EU Directive 2014/17/EU on credit agreements for consumers relating to residential immovable property
Verbraucherkreditgesetz (VKG) - Consumer Credit Act: Regulates consumer credit agreements and provides specific requirements for pre-contractual information and consumer protection
Preisangabenverordnung (PAngV) - Price Indication Regulation: Governs how interest rates, costs, and APR must be displayed and calculated in credit agreements
Datenschutz-Grundverordnung (DSGVO) - GDPR: Regulates the collection and processing of personal data in mortgage applications
Geldwäschegesetz (GwG) - Anti-Money Laundering Act: Requires identity verification and documentation in financial transactions, including mortgage applications
Grundbuchordnung (GBO) - Land Register Code: Regulates the registration of property rights and mortgages in the German land register
Makler- und Bauträgerverordnung (MaBV): Regulations concerning real estate agents and property developers, relevant for property valuation aspects of mortgage applications
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

Find the exact document you need

Mortgage House Discharge Form

A German legal document (Löschungsbewilligung) that authorizes the removal of a mortgage from the land register, requiring notarization and compliance with German property law.

find out more

Mortgage Certificate Of Title

A German legal document (Grundschuldbrief) creating a registered land charge that serves as security for a property loan, subject to German property law.

find out more

Discharge Of Mortgage Letter

A formal German legal document (Löschungsbewilligung) authorizing the removal of a satisfied mortgage from the land register, issued by the lending institution under German property law.

find out more

Contract For Deed Amortization Schedule

A German law-compliant document outlining payment terms and amortization schedule for a property purchase where title transfers upon full payment completion.

find out more

Assignment Of Mortgage Document

A German law-governed document that transfers mortgage rights from one party to another, requiring notarization and land registry registration.

find out more

Home Loan Contract

A German-law governed loan agreement for residential property financing, detailing lending terms, security arrangements, and borrower obligations in compliance with German banking regulations.

find out more

Gift Letter For Money

A formal document under German law confirming a monetary gift between parties, compliant with BGB requirements and serving as official documentation for tax and legal purposes.

find out more

Mortgage Letter

A German Mortgage Letter is an official document issued under German law that evidences a registered mortgage over real property, serving as proof of the security interest.

find out more

Mortgage And Promissory Note

A German law-governed document combining a property mortgage (Grundschuld) with a promissory note (Schuldverschreibung) for real estate financing.

find out more

Letter Of Intimation Of Mortgage

A formal notification document under German law confirming the establishment of a mortgage on a property, detailing the terms and security arrangements between lender and borrower.

find out more

Home Loan Sanction Letter

A formal home loan approval document issued by German banks under German banking law, outlining mortgage terms and conditions for residential property financing.

find out more

Digital Mortgage Deed

A German law-governed digital document creating a property charge, combining traditional mortgage requirements with electronic execution and registration capabilities.

find out more

Deposit Gift Letter

A German law-governed document that formally confirms and documents the voluntary transfer of money or deposits as a gift from a donor to a recipient.

find out more

Release Of Liability Mortgage

A German law document that formally releases parties from mortgage obligations, requiring notarization and land registry recording.

find out more

Quitclaim Deed With A Mortgage

A German legal document that combines property rights transfer through quitclaim with mortgage establishment, requiring notarization and land registry recording under German law.

find out more

Mortgage Loan Application Form

A standardized German mortgage loan application form that collects applicant, property, and financial information in compliance with German banking regulations.

find out more

Mortgage Confirmation Form

A German law-governed document that confirms the key terms and conditions of a mortgage agreement between a lender and borrower, including loan details and security arrangements.

find out more

Lender Approval Letter

A German law-governed formal letter from a bank confirming loan approval and specifying key terms and conditions of the credit facility.

find out more

Letter Of Employment For Mortgage

A German-compliant employment verification letter used for mortgage applications, confirming employment status and income details under German law.

find out more

Letter Of Down Payment

A formal document under German law that establishes terms and conditions for making an advance payment, including amount, purpose, and payment terms.

find out more

Home Loan Letter

A German-law governed home loan offer letter detailing mortgage terms, conditions, and regulatory requirements for residential property financing.

find out more

Mortgage Verification Letter

A formal German law-compliant document issued by financial institutions confirming mortgage details and status for a specific property.

find out more

Mortgage Default Letter

A formal notice under German law from a lender to a borrower regarding mortgage payment default, serving as an official warning (Mahnung) and demanding remedial action.

find out more

Mortgage Application Form

A German-law compliant mortgage application form for collecting borrower and property information, adhering to German banking and consumer protection regulations.

find out more

First Payment Letter Mortgage

A German law-governed formal letter confirming the initial mortgage loan disbursement and establishing key mortgage terms and conditions.

find out more

Derogatory Credit Explanation Letter

A German-law compliant formal letter explaining negative credit report entries, including circumstances and remedial actions taken.

find out more

Paid In Full Letter From Lender

A German law-governed confirmation letter from a lender stating that a loan has been fully repaid and all obligations have been satisfied, serving as official proof of debt discharge.

find out more

Letter Of Intent For Mortgage

A preliminary document under German law expressing intent to enter into a mortgage agreement, outlining proposed terms and borrower details.

find out more

Payoff Letter From Lender

A German law-governed formal letter from a lender stating the total amount and terms required to fully satisfy and discharge a loan obligation.

find out more

Pre Approval Letter For Mortgage Loan

A German law-governed formal letter from a bank indicating conditional approval for a mortgage loan, specifying maximum loan amount and key terms.

find out more

Home Loan Application Letter

A German-law compliant formal application document for requesting home loan financing from a financial institution, including mandatory personal, financial, and property information.

find out more

Gift Letter For Mortgage

A formal declaration under German law documenting monetary gifts intended for property purchase, used to satisfy mortgage lender requirements and legal obligations.

find out more

Offer Letter Mortgage

A formal mortgage financing proposal document issued by German financial institutions, complying with German banking regulations and EU standards, detailing loan terms and conditions.

find out more

Mortgage Release Letter

A German law-compliant formal document (Löschungsbewilligung) authorizing the removal of a mortgage from the land register (Grundbuch).

find out more

Mortgage Commitment Letter

A German law-governed formal bank document confirming the commitment to provide mortgage financing under specified terms and conditions, subject to German banking regulations and EU requirements.

find out more

Download our whitepaper on the future of AI in Legal

By providing your email address you are consenting to our Privacy Notice.
Thank you for downloading our whitepaper. This should arrive in your inbox shortly. In the meantime, why not jump straight to a section that interests you here: https://www.genieai.co/our-research
Oops! Something went wrong while submitting the form.

Genie’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; Genie’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

Our bank-grade security infrastructure undergoes regular external audits

We are ISO27001 certified, so your data is secure

Organizational security

You retain IP ownership of your documents

You have full control over your data and who gets to see it

Innovation in privacy:

Genie partnered with the Computational Privacy Department at Imperial College London

Together, we ran a £1 million research project on privacy and anonymity in legal contracts

Want to know more?

Visit our Trust Centre for more details and real-time security updates.

Read our Privacy Policy.