I will help you with your mortgage in Germany.
David Gramzow
Managing Partner
Mobil: 0049 176 834 12 806
david@david-gramzow.de
As you have probably noticed, we do not offer online mortgage conditions. We have noticed, that the bank will change the conditions of the actual offers and this can lead to uncertainty for our customers. For this reason our customers always receive an individual offer from us, which we discuss with the respective bank IN ADVANCE. In this case you can be sure, the offer is what you actually will get.
We are not offering just any loans. Our mortgage are proven by the lenders befor you will receive them. In addition, you can use our real estate search engine to find the right property from over 600,000 offers across Germany. This combination is unbeatable and gives our customers unique added value.
oder rufen Sie direkt an
+49 (0)176 83412806Multiply your monthly net income by 100, to get the maximum loan amount most banks will provide to you. This amount can be 100% of the purchase price. The purchase fees (notary / purchase tax and real estate agent fee) should be available in cash.
No proplem. Just talk to us about your plans and we will help you.
This depends entirely on the bank. It can last anywhere from two or three days to three weeks. In any case, we will inform you immediately of any progress, which will also be displayed in our IT systems.
We can not offer a guarantett, but if your application complies with the lending guidelines of the banks and you have a positive internal liquidity calculation at this bank, you can be sure to receive a loan agreement.
You will receive the contract and the land charge (Grundschuld). This is the guarantee for the bank that they hold your property and must be notarized. After the authorities have registered it in the land register (Grundbuch) under your name, the bank will provide your loan.
The notary will explain every detail of this process.
If you buy an apartment in a new development, your mortgage contract will be signed and sealed, but not delivered. The developer will send you invoices based on the construction status of your property. The construction period can be up to 24 months or even longer, and you will need to stay in close touch with your bank. You pay the intrest rate but not the re-pyment during this process.