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Quality Independent of banks for 21 years Specialists with banking professions.
+ Financing up to 95% of the purchase price + construction costs, sometimes up to 100% for all regions in Germany,
for non-resident taxpayers, expats with non-euro salary or euro income and residence abroad
for employees, private individuals, soldiers, investors, pensioners, retirees
We see all bank-internal criteria
bring Your solution.
Construction financing for real estate in Germany
Is your salary or pension abroad or do you live outside Germany?
Non-resident taxpayers, commuters, and expats with salaries abroad often experience bank rejections for financing.
- Was your search for construction financing up to 90% or 100% of the purchase price or property value unsuccessful?
- 97% of banks reject applications due to audit complexity and additional effort.
Our bank-independent consultants have been specializing for years in:
- Tax non-residents, expats, cross-border commuters, private investors, capital investors,
- with work and/or residence abroad (non-residents),
- Employees, civil servants, US soldiers, pensioners, freelancers, self-employed (selective),
- Income in € or not in € as salary, wages, earnings, pension, also in foreign currency,
- Financing from €100,000 to ~€2.5 million for houses, apartments, plots of land with single-family houses, two-family houses, three-family houses, multi-family houses in Germany
Possible people are:
- with a EUR salary or EUR wage or pension from: France, Belgium, Netherlands, Luxembourg, Austria, Italy, Greece, Cyprus, Malta, Spain, Portugal, Finland, Lithuania, Latvia, Estonia, Croatia, .....
- with non-EUR salary or wages or pension in the currencies of the EU and EFTA:
Switzerland CHF Swiss Franc SFR , Great Britain Ireland GBP Pound Sterling, Iceland ISK Icelandic Krona, Denmark DKK Danish Krona, Sweden SEK Swedish Krona, Norway NOK Norwegian Krona, Poland PLN Zloty, Czech Republic CZK Czech Krona, Bulgaria BGN Lev, Hungary HUF Forint, ... ,
Also possible for people with non-EUR salary or wages, pensions:
USA $ USD Dollar, also US Soldiers, Canada CAD, Mexico, Nicaragua, Panama, Brazil, Peru, Argentina, Australia AUD, New Zealand NZD, Russia RUB Ruble, CIS countries, Turkey, Georgia GEL, Ukraine UAH, Israel ILS, United Arab Emirates UAE Abu Dhabi, Dubai AED, Ajman, Fujairah, Sharjah, Ras al Khaimah, Umm al Quwain, Qatar QAR, Kuwait KWD, Saudi Arabia SAR, Egypt, Morocco, Namibia, South Africa, South Korea KRW, Singapore SGD, Hong Kong HKD, China CNY Yuan RMB¥, CN¥ Renminbi, Taiwan TWD, Thailand THB, Malaysia MYR, etc.
Personal advice in German, English,
(other languages partly possible with internal interpreter)
Advice for non-resident taxpayers: 49-341-2316377-4
Callback worldwide - please email us your preferred date.
Negative Schufa – what next?
The specialists help people with a negative Schufa credit rating if they live in Germany and earn a salary in euros. This is also possible for pensioners with a negative Schufa credit rating.
Self-employed persons with a credit rating impairment and non-resident taxpayers are not eligible to be credit rated.
Schufa advice: 0351-2728109-2
Loans for purchase, new construction, extension, expansion, renovation or free capital procurement
baufi-zentral is an advertising association of independent sole proprietors.
Our independent local consultants offer you:
- Lean financing with understandable and transparent loan proposals
- Offers = interest + repayment, no building society or insurance constructs
- online with the criteria connected from about 400 banks, building societies, insurers, etc.
- Preliminary feasibility check based on bank-internal criteria, including for free capital procurement
- Improve loan application and interest rate class
- Prevent rejections
- Examination of construction contracts, purchase contracts, transfer contracts, etc.
- Help with burdens, restrictions, rights, procedure and acceleration of land register entry
- on request, complete support from the first inquiry to the final payout
- Secure interest for 10 - 40 years fixed interest rate
- Example: 10 July 2025 real estate loan of €300,000, 10 years fixed interest rate -> from 3.22/3.32% interest (target/effective)
(100% payout, no fees, A-credit rating, new building, up to 50% loan-to-value, in the Class 1 metropolitan area, as of)
- Example: 30.07.2025 subsidized loan, depending on location and federal state, including conditions a) 0.00% to 1.0% interest rate fixed for up to 20 years, b) 0.50% interest rate fixed for 25 years, c) 0.8% interest rate fixed for 10 years
Advice on building financing for employees in Germany:
0341-2316377-0
Funding, grants, subsidized loans and funding for your project
- Funding for purchase, new construction, conversion, extension, expansion, modernization, renovation, change of use
- available for single-family house EFH, two-family house ZFH, multi-family house MFH or condominium ETW
- Grants and subsidies from the federal, state and local governments
- for owner-occupied residential property
- for energy modernization, renovation and expansion
- for ecological construction and energy efficiency
- Child benefit for building a home for families will follow in 2023 - KfW program 300 "Home Ownership for Families" available from us!
- Child allowance from state subsidies for purchase or new construction, in addition to the child building allowance
- Example: 30.07.2025 subsidized loan, independent of location, without income limits, energy efficiency, 10-year fixed interest rate from 0.47% (effective 0.47%) to 1.82% (effective 1.84%), up to 35-year term + subsidy (100% payout, no fees, modernization, renovation)
- Example: 10.07.2025 Promotional loan independent of situation, at least 1 child <18 years, with income limits, 10 years fixed interest rate from 0.37% interest (eff. 0.37%) to 0.1.57% (eff. 1.58%) up to 35 years term
Funding advice: 0341-2316377-3