{"id":17515,"date":"2024-09-30T07:18:58","date_gmt":"2024-09-30T07:18:58","guid":{"rendered":"https:\/\/www.americamortgages.com\/?p=17515"},"modified":"2024-11-25T07:01:58","modified_gmt":"2024-11-25T07:01:58","slug":"how-can-german-citizens-get-mortgages-in-the-usa","status":"publish","type":"post","link":"https:\/\/www.americamortgages.com\/how-can-german-citizens-get-mortgages-in-the-usa\/","title":{"rendered":"How Can German Citizens Get Mortgages in the USA?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">If you&#8217;re a German citizen planning on owning real estate in the U.S., you&#8217;re in luck! The great news is that the U.S. welcomes non-citizens to purchase property without restrictions. But what are the rules, and how can a German citizen get a mortgage in the U.S.?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this guide, we will share all the details, from understanding mortgage financing differences between Germany and the U.S. to gathering the necessary documentation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can German Citizens buy real estate in the U.S.?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, German citizens can obtain a mortgage to buy real estate in the U.S. as the U.S. does not restrict non-citizens from owning property here.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buying a property as a German citizen in the U.S. is rather simple; all you need to do is meet a set of criteria. Read along to find the differences in mortgage financing in Germany and the U.S.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the differences between getting a mortgage in Germany versus the U.S.?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here are all the differences between getting a mortgage in Germany and the U.S.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Aspect<\/strong><\/td><td><strong>United States<\/strong><\/td><td><strong>Germany<\/strong><\/td><\/tr><tr><td><strong>Homeownership Rate<\/strong><\/td><td>~65%<\/td><td>&lt; 50%<\/td><\/tr><tr><td><strong>Government Involvement<\/strong><\/td><td>Extensive involvement (Fannie Mae, Freddie Mac, FHA)<\/td><td>Limited involvement, with a focus on private rental market<\/td><\/tr><tr><td><strong>Mortgage Interest Deduction<\/strong><\/td><td>Mortgage interest is tax-deductible<\/td><td>No mortgage interest tax deduction<\/td><\/tr><tr><td><strong>Capital Gains on Home Sale<\/strong><\/td><td>Excluded from taxes (up to a certain limit)<\/td><td>No capital gains exclusion<\/td><\/tr><tr><td><strong>Government Mortgage Guarantees<\/strong><\/td><td>Public guarantees (Fannie Mae, Freddie Mac)<\/td><td>No public guarantees, rely on private schemes.<\/td><\/tr><tr><td><strong>Fixed-Rate Mortgages<\/strong><\/td><td>Common (30-year fixed rates)<\/td><td>Typically fixed for 5-10 years<\/td><\/tr><tr><td><strong>Down Payment<\/strong><\/td><td>Lower, often 3%-25%<\/td><td>Higher, typically 20%-30%<\/td><\/tr><tr><td><strong>Central Bank Support<\/strong><\/td><td>Significant (Federal Reserve purchases of mortgage-backed securities)<\/td><td>Limited ECB support, smaller-scale bond purchases<\/td><\/tr><tr><td><strong>Tax Subsidies<\/strong><\/td><td>Significant tax subsidies for homeowners<\/td><td>Minimal tax subsidies for homeowners<\/td><\/tr><tr><td><strong>Mortgage Refinancing<\/strong><\/td><td>Easy refinancing allows tapping into home equity<\/td><td>Strict rules, refinancing is more complex<\/td><\/tr><tr><td><strong>Market for Home Equity<\/strong><\/td><td>Well-developed, large-scale home equity loans<\/td><td>Minimal market for home equity loans<\/td><\/tr><tr><td><strong>Housing Sector Contribution to GDP<\/strong><\/td><td>~16%<\/td><td>~19%, but less central to overall economic growth<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Documents Required for German Citizens to Purchase Property in the U.S.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The documents required to purchase a property in the U.S. as a German citizen differ depending on the type of property and the mortgage you intend to obtain.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">This is a list of commonly required documents to obtain a mortgage in U.S. as a German citizen:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A valid German passport.<\/li>\n\n\n\n<li>Bank statements: in some cases, you may be asked for some documents from your bank back in Germany.<\/li>\n\n\n\n<li>Proof of funds to cover the mortgage for a specific period.<\/li>\n\n\n\n<li>Pay stubs to verify income if the property is for self use (not a rental)<\/li>\n\n\n\n<li>Tax return documents if the property is for self use (not a rental)<\/li>\n\n\n\n<li>If the property is strictly for investment\/rental then NO personal income proof is required, as the loan is qualified from the rental income generated from the property.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s worth noting that German citizens can obtain a U.S. mortgage even if they don&#8217;t have a U.S. credit history.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage options for Germans buying property in the U.S.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Foreign National Mortgage<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Foreign National Mortgage is a tailored solution for foreign nationals. Making it a great option for German citizens who don&#8217;t have a U.S. credit history.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>DSCR Loan (For Investment Properties)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Debt Service Coverage Ratio (DSCR) loans are specialized mortgage solutions for those foreign nationals who want to buy property in the U.S. for investment purposes only. While having a U.S. credit history is great, America Mortgages does not require you to have any U.S. credit history.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">America Mortgages helps foreign nationals obtain U.S. mortgages. If you&#8217;re interested in learning more, reach out to us at hello@americamortgages.com or visit our website at<a href=\"http:\/\/www.americamortgages.com\"> www.americamortgages.com<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Additionally, if you&#8217;d like to schedule a commitment-free meeting with one of our U.S. loan officers to explore your U.S. mortgage options further, you can do so using our<a href=\"https:\/\/calendly.com\/u-s-mortgages\" target=\"_blank\" rel=\"noopener\"> 24\/7 calendar link<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Wie k\u00f6nnen deutsche Staatsb\u00fcrger in den USA eine Hypothek aufnehmen?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Wenn Sie als deutscher Staatsb\u00fcrger planen, Immobilien in den USA zu erwerben, haben Sie Gl\u00fcck! Die gute Nachricht ist, dass die USA es Nicht-Staatsb\u00fcrgern ohne Einschr\u00e4nkungen erlauben, Immobilien zu kaufen. Aber was sind die Regeln, und wie kann ein deutscher Staatsb\u00fcrger in den USA eine Hypothek bekommen?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In diesem Leitfaden teilen wir alle Details mit Ihnen, von den Unterschieden in der Hypothekenfinanzierung zwischen Deutschland und den USA bis hin zu den erforderlichen Dokumenten.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u00f6nnen deutsche Staatsb\u00fcrger Immobilien in den USA kaufen?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ja, deutsche Staatsb\u00fcrger k\u00f6nnen eine Hypothek erhalten, um Immobilien in den USA zu erwerben, da die USA den Besitz von Immobilien durch Nicht-Staatsb\u00fcrger nicht einschr\u00e4nken.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Der Kauf einer Immobilie als deutscher Staatsb\u00fcrger in den USA ist relativ einfach; Sie m\u00fcssen lediglich eine Reihe von Kriterien erf\u00fcllen. Lesen Sie weiter, um die Unterschiede in der Hypothekenfinanzierung zwischen Deutschland und den USA zu erfahren.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Was sind die Unterschiede zwischen dem Erhalt einer Hypothek in Deutschland und den USA?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hier sind die Unterschiede beim Erhalt einer Hypothek in Deutschland und den USA:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Aspekt<\/strong><\/td><td><strong>Vereinigte Staaten<\/strong><\/td><td><strong>Deutschland<\/strong><\/td><\/tr><tr><td><strong>Eigenheimquote<\/strong><\/td><td>~65%<\/td><td>&lt; 50%<\/td><\/tr><tr><td><strong>Regierungsbeteiligung<\/strong><\/td><td>Umfangreiche Beteiligung (Fannie Mae, Freddie Mac, FHA)<\/td><td>Begrenzte Beteiligung, Fokus auf privatem Mietmarkt<\/td><\/tr><tr><td><strong>Hypothekenzinsabzug<\/strong><\/td><td>Hypothekenzinsen sind steuerlich absetzbar<\/td><td>Kein Steuerabzug f\u00fcr Hypothekenzinsen<\/td><\/tr><tr><td><strong>Kapitalgewinne beim Immobilienverkauf<\/strong><\/td><td>Steuerfrei bis zu einem bestimmten Limitt<\/td><td>Keine Steuerbefreiung bei Kapitalgewinnen<\/td><\/tr><tr><td><strong>Staatliche Hypothekengarantie<\/strong><\/td><td>\u00d6ffentliche Garantien (Fannie Mae, Freddie Mac))<\/td><td>Keine staatlichen Garantien, private Systeme.<\/td><\/tr><tr><td><strong>Festverzinsliche Hypotheken<\/strong><\/td><td>H\u00e4ufig (30 Jahre festverzinslich)<\/td><td>Typisch f\u00fcr 5-10 Jahre<\/td><\/tr><tr><td><strong>Anzahlung<\/strong><\/td><td>Geringer, oft 3%-25%<\/td><td>H\u00f6her, typischerweise 20%-30%<\/td><\/tr><tr><td><strong>Unterst\u00fctzung der Zentralbank<\/strong><\/td><td>Signifikant (Ank\u00e4ufe von Hypotheken durch die Federal Reserve)<\/td><td>Begrenzte Unterst\u00fctzung der EZB, kleinere Anleihek\u00e4ufe<\/td><\/tr><tr><td><strong>Steuersubventionen<\/strong><\/td><td>Umfangreiche Steuersubventionen f\u00fcr Hausbesitze<\/td><td>Minimale Steuersubventionen f\u00fcr Hausbesitze<\/td><\/tr><tr><td><strong>Hypothekenrefinanzierung<\/strong><\/td><td>Einfache Refinanzierung zur Nutzung von Eigenkapital<\/td><td>Strikte Regeln, Refinanzierung ist komplizierte<\/td><\/tr><tr><td><strong>Markt f\u00fcr Eigenheimdarlehen<\/strong><\/td><td>Gut entwickelt, gro\u00dfe Eigenheimkredite<\/td><td>Minimaler Markt f\u00fcr Eigenheimdarlehen<\/td><\/tr><tr><td><strong>Beitrag des Wohnungssektors zum BIP<\/strong><\/td><td>~16%<\/td><td>~19%, aber weniger zentral f\u00fcr das Wirtschaftswachstum<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Erforderliche Dokumente f\u00fcr deutsche Staatsb\u00fcrger zum Kauf von Immobilien in den USA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Die erforderlichen Dokumente f\u00fcr den Kauf einer Immobilie in den USA als deutscher Staatsb\u00fcrger variieren je nach Immobilientyp und Hypothek, die Sie erhalten m\u00f6chten.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hier ist eine Liste der h\u00e4ufig erforderlichen Dokumente, um als deutscher Staatsb\u00fcrger eine Hypothek in den USA zu erhalten:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ein g\u00fcltiger deutscher Reisepass.<\/li>\n\n\n\n<li>Kontoausz\u00fcge: In einigen F\u00e4llen k\u00f6nnen Sie gebeten werden, Dokumente Ihrer deutschen Bank vorzulegen.<\/li>\n\n\n\n<li>Nachweis der Mittel zur Deckung der Hypothek f\u00fcr einen bestimmten Zeitraum.<\/li>\n\n\n\n<li>Gehaltsabrechnungen zur Einkommens\u00fcberpr\u00fcfung, wenn die Immobilie zur Eigennutzung ist (kein Mietobjekt).<\/li>\n\n\n\n<li>Steuererkl\u00e4rungen, wenn die Immobilie zur Eigennutzung ist (kein Mietobjekt).<\/li>\n\n\n\n<li>Wenn die Immobilie ausschlie\u00dflich als Investition\/Vermietung genutzt wird, ist kein Nachweis des pers\u00f6nlichen Einkommens erforderlich, da das Darlehen anhand der Mieteinnahmen der Immobilie gew\u00e4hrt wird.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Es ist erw\u00e4hnenswert, dass deutsche Staatsb\u00fcrger eine U.S.-Hypothek auch dann erhalten k\u00f6nnen, wenn sie keine U.S.-Kreditgeschichte haben.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Hypothekenoptionen f\u00fcr Deutsche, die Immobilien in den USA kaufen<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Foreign National Mortgage<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Die Foreign National Mortgage ist eine ma\u00dfgeschneiderte L\u00f6sung f\u00fcr ausl\u00e4ndische Staatsb\u00fcrger und eine gute Option f\u00fcr deutsche Staatsb\u00fcrger, die keine U.S.-Kreditgeschichte haben.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>DSCR-Darlehen (f\u00fcr Investitionsimmobilien)<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Debt Service Coverage Ratio (DSCR)-Darlehen sind spezialisierte Hypothekenl\u00f6sungen f\u00fcr ausl\u00e4ndische Staatsb\u00fcrger, die Immobilien in den USA ausschlie\u00dflich zu Investitionszwecken kaufen m\u00f6chten. Obwohl eine U.S.-Kreditgeschichte vorteilhaft ist, erfordert America Mortgages keine U.S.-Kreditgeschichte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">America Mortgages hilft ausl\u00e4ndischen Staatsb\u00fcrgern dabei, U.S.-Hypotheken zu erhalten. Wenn Sie mehr erfahren m\u00f6chten, kontaktieren Sie uns unter hello@americamortgages.com oder besuchen Sie unsere Website unter<a href=\"http:\/\/www.americamortgages.com\"> www.americamortgages.com<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Wenn Sie zudem ein unverbindliches Gespr\u00e4ch mit einem unserer U.S.-Kreditberater vereinbaren m\u00f6chten, um Ihre U.S.-Hypothekenoptionen weiter zu erkunden, k\u00f6nnen Sie dies \u00fcber unseren 24\/7-Kalender-Link tun.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re a German citizen planning on owning real estate in the U.S., you&#8217;re in luck! The great news is that the U.S. welcomes non-citizens to purchase property without restrictions. But what are the rules, and how can a German citizen get a mortgage in the U.S.? In this guide, we will share all the [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":17518,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/template-single-post.php","format":"standard","meta":{"_acf_changed":false,"qubely_global_settings":"","qubely_interactions":"","inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[14,1,13],"tags":[],"am_country":[],"am_audience":[],"am_format":[],"class_list":["post-17515","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-foreign-nationals","category-loan-types","category-u-s-expats"],"acf":[],"qubely_featured_image_url":{"full":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-scaled.jpg",2560,1440,false],"landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-1200x750.jpg",1200,750,true],"portraits":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-540x320.jpg",540,320,true],"thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-150x150.jpg",150,150,true],"medium":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-300x169.jpg",300,169,true],"medium_large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-768x432.jpg",580,326,true],"large":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-1024x576.jpg",580,326,true],"1536x1536":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-1536x864.jpg",1536,864,true],"2048x2048":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-2048x1152.jpg",2048,1152,true],"qubely_landscape":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-1200x750.jpg",1200,750,true],"qubely_portrait":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-140x100.jpg",140,100,true],"post-thumbnail":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-1200x675.jpg",1200,675,true],"twentytwenty-fullscreen":["https:\/\/www.americamortgages.com\/wp-content\/uploads\/2024\/09\/How-Can-German-Citizens-Get-Mortgages-in-the-USA-img-1980x1114.jpg",1980,1114,true]},"qubely_author":{"display_name":"America Mortgages","author_link":"https:\/\/www.americamortgages.com\/author\/america-mortgages\/"},"qubely_comment":0,"qubely_category":"<a href=\"https:\/\/www.americamortgages.com\/foreign-nationals\/\" rel=\"category tag\">Foreign Nationals<\/a> <a href=\"https:\/\/www.americamortgages.com\/loan-types\/\" rel=\"category tag\">Loan Types<\/a> <a href=\"https:\/\/www.americamortgages.com\/u-s-expats\/\" rel=\"category tag\">U.S. Expats<\/a>","qubely_excerpt":"If you&#8217;re a German citizen planning on owning real estate in the U.S., you&#8217;re in luck! The great news is that the U.S. welcomes non-citizens to purchase property without restrictions. But what are the rules, and how can a German citizen get a mortgage in the U.S.? In this guide, we will share all the&hellip;","_links":{"self":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/17515","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/comments?post=17515"}],"version-history":[{"count":9,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/17515\/revisions"}],"predecessor-version":[{"id":18274,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/posts\/17515\/revisions\/18274"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media\/17518"}],"wp:attachment":[{"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/media?parent=17515"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/categories?post=17515"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/tags?post=17515"},{"taxonomy":"am_country","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_country?post=17515"},{"taxonomy":"am_audience","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_audience?post=17515"},{"taxonomy":"am_format","embeddable":true,"href":"https:\/\/www.americamortgages.com\/wp-json\/wp\/v2\/am_format?post=17515"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}