In fact, as Chinese people pay more and more attention to overseas real estate, buying a house in Germany has become the choice of many people. How to get a loan when buying a house in Germany? I have also sorted out the relevant information for you, and you can also refer to it.

The housing loans of German banks are generally at a fixed interest rate, but the interest rate is divided by year. At present, the ten-year fixed-rate loan interest rate is about 3.5-3.7%, and the twenty-year fixed-rate loan interest rate is about 4.2-4.5%. Less than 3% in five years. The interest rate of the loan is also related to the amount of the loan. Generally, 90% of the house price is 100%, and then if it is lower than 60% (actually 54%). China's mortgage is floating.

First of all, it is difficult for foreigners who have no residence and income in various places to obtain bank loans. German banks may consider accepting these customers:

Possibility 1: 70% to 80% equity (). The rest of the funds are loaned by local banks in Germany. They took the installment payment of the real estate license as collateral.

Possibility 2: the draft guarantee of the four major banks in China. Loan to Frankfurt branch, one of the four big banks. (to be negotiated separately).

Possibility 3: Draft the letter of guarantee of four major domestic banks, and convert it into 60% cash loan in Germany, with the second repayment of the property right certificate ("Grundbuch") as collateral. German banks may lend 35% to 40%, but they must use "Grundbuch" as collateral. This model is only suitable for large scale, because it involves a high workload. Once successful, you need to pay a fee to the company.

It is difficult for foreigners who have no residence and income in various places to obtain bank loans. For enterprises holding real estate, the conditions are similar.

German mortgage interest rates are at historically low levels. The housing loans of German banks are generally at a fixed interest rate, but the interest rate is divided by year. At present, the ten-year fixed-rate loan interest rate is about 3.5-3.7%, and the twenty-year fixed-rate loan interest rate is about 4.2-4.5%. Less than 3% in five years. The interest rate of German mortgage is also related to the loan amount. Generally, 90% of the house price is 100%, and then if it is lower than 60% (actually 54%). China's mortgage is floating.