Can Immigrants Buy a House in Germany? Yes — Here’s How

Many immigrants wonder whether they’re allowed to buy property in Germany — and the good news is yes, foreigners can purchase real estate without restrictions. Whether you’re an EU citizen, non-EU citizen, student, or permanent resident, you can legally buy a home in Germany.This guide explains what you need to qualify and how the process works.

---

Charming, ivy-clad half-timbered home with a lush garden in a picturesque neighborhood.

---

1. Can Immigrants Buy Property in Germany?

Absolutely. Germany does not restrict property ownership based on nationality.You do not need:

• Permanent residency

• EU citizenship

• Special permits

However, the main challenge is financing, not ownership.

---

2. Mortgage Requirements for Immigrants

Banks may offer you a mortgage if you:

• Have a stable job

• Have lived in Germany for at least 6–24 months

• Have a German bank account

• Have good SCHUFA

• Can provide a 20–30% down payment

If you’re new to Germany, you may need a higher down payment or a guarantor.

---

3. Hidden Costs You Must Know

Buying a home in Germany includes extra fees known as Nebenkosten:

• Property transfer tax: 3.5–6.5%

• Notary fees: 1–1.5%

• Land registry: 0.5%

• Real estate agent commission: 3–7% (depending on the region)

In total, expect 8–15% additional costs on top of the purchase price.

---

4. Step-by-Step Buying Process

1. Check your mortgage eligibility

2. Get a financing certificate if possible

3. Find a property

4. Make an offer

5. Sign preliminary mortgage agreements

6. Sign the notary purchase contract

7. Make payments

8. Execute property transfer and registration

Germany has a very secure, regulated buying process.

---

Immigrants can absolutely buy property in Germany, and with the right preparation, the process is stable, transparent, and safe. If you’re considering long-term settlement or investment, buying a home can be a smart move.

Explore more guides in the Buying Property in Germany category →