Loan for foreigners with permit B, C, G or L

The loan requirements for foreigners with residence permits B, C and G do not differ substantially from the requirements for German citizens. A regular income is a basic requirement for foreigners and for German citizens alike. In addition the credit check must be positive and non-German nationals must of course hold a residence permit B, C or G. Banks and lenders require a stay of at least 6 months in Germany.

The basic requirements for loans for foreigners are therefore, in summary: a regular income, sufficient creditworthiness, residence permit B, C or G, and a minimum stay of 6 months.

There are, however, further requirements for loans for foreigners, depending on the type of residence permit.

Loan with a C permit (C residence permit)

With a C permit you are treated like German citizens for loan purposes and there are no additional restrictions. For a loan with a C permit you should meet the following conditions:

• Minimum age 18 years

• Income of at least € 2,600 net (this figure is only approximate)

• Proof of income from employment (payslip) or self-employment (annual accounts)

• No open garnishments or negative SCHUFA / enforcement records

To the loan application

Loan with a B permit (B residence permit)

With a B permit you can apply for a loan for foreigners in Germany. You should meet the following conditions:

• The same requirements as for German citizens and foreigners with a C permit

• You have held permit B for at least 2 years

• You have been employed in Germany for at least 3 months

To the loan application

Loan with an L permit (L residence permit – short-stay permit)

With an L permit you unfortunately cannot take out a loan in Germany at present.

Loan with a G permit (cross-border commuter permit)

With a G permit you can request a loan for foreigners in Germany. You should meet the following conditions:

• The same requirements as for German citizens and foreigners with a C permit

• You have held the G permit for at least 3 years

• You work in Germany

To the loan application

Loan for cross-border commuters:

Cross-border commuters can also apply for loans in Germany. Cross-border commuters are foreigners resident in the foreign border zone who work in neighbouring Germany. If you live in Switzerland, Austria, Italy or France near the German border and work in Germany, you can apply at Mutuo Gruppe.de for a cross-border commuter loan between € 3,000 and € 80,000.

Positive decision on loans for foreigners

If the credit decision is positive, the loan agreement will be sent to you by post. Sign it and return the contract together with the further documentation requested by the bank. It is that simple!

Loan limits for foreigners

The loan limits granted to foreigners are usually only medium-sized at first and depending on the permit, but over a period of time, with a sufficient budget surplus (= income ./. expenses), the limits increase considerably. For the ongoing optimisation of your loan you can of course count on our free support.

Apply simply and straightforwardly for a loan for foreigners with Mutuo Gruppe.de.

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