
Your path to home ownership: important documents for buying real estate
Our clear checklist will help you organize the necessary documents in good time. It will help you keep track of everything and complete the purchase process quickly. Don't hesitate to consult a real estate expert or lawyer if necessary—this will ensure that everything is handled professionally.
Documents for the bank
Personal documents
- Identity card or passport: Used to confirm your identity.
- Self-disclosure form: A form containing detailed information about your personal and financial circumstances.
Income
- Proof of income: Employees need their last three pay slips, while self-employed persons should submit their two most recent tax assessment notices and business evaluations.
- Employment contract: To prove a stable income situation in the long term.
Financial circumstances
- Asset overview: A list of all existing accounts, savings accounts, securities, and real estate holdings.
- Schufa credit report: A statement certifying your creditworthiness.
- Bank statements: Your bank statements for the last three months to show your financial situation.
Property-specific documents
- Cost overview: A detailed list of all costs incurred, such as the purchase price, ancillary costs, and any brokerage fees.
- Purchase agreement or preliminary agreement: The draft of the notarized purchase agreement that sets out the terms and conditions of the property purchase.
- Land register extract: A current extract from the land register showing the ownership structure and any encumbrances.
- Energy performance certificate: A document that outlines the energy efficiency of the property.
- Cadastral map or site plan: Document for the exact determination of the location and boundaries of the property.
- Building specifications: For new buildings, a detailed description of the construction method and the materials and fittings used.
In addition, you should keep the following information in mind
- Additional costs: In addition to the purchase price, there are costs such as land transfer tax, notary fees and, if applicable, estate agent's commission, which must also be included in the financing.
- Financing confirmation: Before you complete the purchase, you should obtain a binding financing commitment from your bank to ensure that the entire purchase price is covered.
- Notary appointment: The purchase agreement is signed at a notary's office, who ensures that the sale is notarized and legally secured.
Do you need assistance with purchasing real estate? Please feel free to contact us. We will be happy to advise you!
Note
For reasons of readability, the generic masculine form is used in this text. Female and other gender identities are expressly included where necessary for the meaning of the text.
Legal notice: This article does not constitute tax or legal advice in individual cases. Please consult a lawyer and/or tax advisor to clarify the facts of your specific case.
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