Buy a house in Germany

The advantages of buying a house in Germany

Germany is versatile and close, but the housing stock is also large and varied. In addition, Germany is known for its good infrastructure, safe living environments and excellent health care. Also, housing prices, especially outside the major cities, are often significantly lower than in the Netherlands. For home workers who want to live just across the border, Germany offers attractive options in, for example, North Rhine-Westphalia or Lower Saxony, provinces located just near the Dutch border. But also those who dream of more space, nature or a fresh start in another region will find plenty of opportunities here.

We list the benefits:

• Affordable housing: outside major cities, house prices are often significantly lower than in the Netherlands
• More space and quiet: especially in rural areas and smaller villages, you will find spacious lots and quiet living environments
• Good facilities: Germany is known for its excellent health care, schools and infrastructure
• Close to home: especially the border regions are easily accessible, ideal for those who continue to work in the Netherlands or still want to visit family regularly
• Many choices: the housing offer is very diverse

Can I buy a house in Germany with a Dutch mortgage?

Buying a house in Germany with a Dutch mortgage is not possible in many cases. Most Dutch banks do not provide mortgages for homes located outside the Netherlands. Do you still want to finance a home in Germany with borrowed money? Then you will have to rely on a German mortgage lender. In Germany, a mortgage is called an “Immobiliendarlehen” and is provided by banks, savings banks or mortgage banks .

When applying for a mortgage in Germany, different conditions also apply than in the Netherlands. For example, a higher own contribution is often expected, which is usually between 20% and 30% of the purchase price, and your income situation, creditworthiness and any other current obligations are taken into account. In addition, additional costs such as transfer tax, notary fees and registration fees cannot be co-financed and must be paid with your own funds.