Information and advice:
Qualityindependent of banks specialists with banking experience for 21 years
+ Financing up to 95% of the purchase price + construction costs, in some cases up to 100%, all regions,
for non-resident taxpayers, expats with non-euro salaries or euro income abroad,
for employees, private individuals, soldiers, capital investors, investors, pensioners,
the internal criteriafrom savings banks and banks through system integration.
We will present the solution and speak openly about internal bank details.
Construction financing for real estate in Germany
Is your salary or pension paid abroad, or do you live outside of Germany?
Non-resident taxpayers, expats, and cross-border commuters often face bank rejections due to their salary or residence abroad.
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Was your search for a construction loan, mortgage, or refinancing unsuccessful?
- In their experience, most banks reject applications due to the complexity of the review process, additional effort, or specific criteria.
- We will call or email you back on the same day.
Our consultants are independent of banks and have specialized in: for years
- Non-resident taxpayers, expats, cross-border workers, commuters, private individuals, capital investors, investors,
- with a workplace and/or residence abroad (non-residents),
- Employees, civil servants, US soldiers, NATO soldiers, retirees, pensioners, freelancers, self-employed persons (selectively),
- Income in € or not in € as salary, wages, earnings, pension, retirement, also in foreign currency,
- Financing from €100,000 to approximately €2.5 million for houses, apartments, and land with single-family homes, two-family homes, three-family homes, and multi-family homes in Germany,
- the loan amount is up to 90% or sometimes 100% of the purchase price, property value possible.
Possible persons:
- with a salary or wage or pension in EUR from: France, Belgium, Netherlands, Luxembourg, Austria, Italy, Greece, Cyprus, Malta, Spain, Portugal, Finland, Lithuania, Latvia, Estonia, Croatia, .....
- with non-EUR salary, wages or pension in the currencies of the EU and EFTA:
Switzerland CHF Swiss Franc CHF, Great Britain Ireland GBP Pound Sterling, Iceland ISK Icelandic Krona, Denmark DKK Danish Kroner, Sweden SEK Swedish Krona, Norway NOK Norwegian Kroner, Poland PLN Zloty, Czech Republic CZK Czech Koruna, Bulgaria BGN Lev, Hungary HUF Forint, ... ,
It is also possible for people with non-EUR salaries 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, Belarus White RussiaTurkey, Georgia GEL, Ukraine UAH, Israel ILS, Bahrain BHD, United Arab Emirates UAE Dinar, 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 consultation in German, English,
(Other languages are sometimes possible with an internal interpreter)
Tax advice for non-resident taxpayers: 49-341-2316377-4 -> WhatsApp
Worldwide callback service - please send us your preferred date and time via email.
Negative Schufa rating - what next?
The specialists help people with a negative Schufa credit rating if they live in Germany and receive a salary in euros. This is also possible for pensioners with a negative Schufa entry.
Self-employed individuals with negative SCHUFA entries and foreign taxpayers are not eligible to be considered as having negative SCHUFA entries.
Schufa consultation: 0351-2728109-2
Loans for purchase, new construction, extension, expansion, renovation or general capital procurement
baufi-zentral is an advertising association of independent sole proprietors.
Our independent local consultants offer you:
- Streamlined financing with understandable and transparent loan proposals
- Offers = interest + repayment, no building society savings or insurance products
- online, linked to the criteria of approximately 400 banks, building societies, insurance companies, etc.
- Preliminary feasibility assessment based on internal bank criteria, also for free capital procurement
- Improve loan application and interest rate category
- Avoid rejections preventively
- Review of construction contracts, purchase agreements, transfer agreements, etc.
- Assistance with burdens, restrictions, rights, procedures and acceleration of land registry registration
- Complete support upon request, from the initial inquiry to the final payment
- Secure interest rate for 10-40 years fixed interest rate
- Example: 10.08.2025 Real estate loan €300,000, 10-year fixed interest rate -> from 3.12/3.22% interest (nominal/effective)
(100% payout, no fees, A credit rating, new construction, up to 50% loan-to-value ratio, in metropolitan area class 1, as of [date])
- Example: 30.08.2025 Subsidized loan, location and federal state dependent, among other conditions: a) 0.00% to 1.0% interest fixed for up to 20 years, b) 0.50% interest fixed for 25 years, c) 0.8% interest fixed for 10 years
Advice on home financing for employees in Germany:
0341-2316377-0
Funding, grants, subsidized loans and subsidies for your project
- Funding for purchase, new construction, conversion, extension, expansion, modernization, renovation, change of use
- Available for single-family homes (SFH), two-family homes (ZFH), multi-family homes (MFH) or condominiums (ETW).
- Grants and subsidies from the federal government, states and municipalities
- for owner-occupied residential property
- for energy-efficient modernization, renovation and expansion
- for ecological building and energy efficiency
- Child benefit for home construction for families will follow in 2023 - KfW program 300 "Home Ownership for Families" available from us!
- Child allowance from state funding for purchase or new construction, in addition to the child building allowance
- Example: 30.08.2025 Subsidized loan regardless of location, without income limits, energy efficiency, 10-year fixed interest rate from 0.47% (effective 0.47%) to 1.82% (effective 1.84%) for up to 35 years term + grant (100% payout, no fees, modernization, renovation)
- Example: 10.08.2025 Subsidized loan independent of location, minimum 1 child under 18 years, with income limits, 10-year fixed interest rate from 0.37% (effective 0.37%) to 0.1.57% (effective 1.58%) up to a term of 35 years
Funding advice: 0341-2316377-3