Find helpful answers to frequently asked questions about our services, support for expats and how we guide families and entrepreneurs in Aachen.
It is difficult to answer this question in general, because every consultation is as individual as the people behind it. In principle, the following applies:
Every appointment is first about us getting to know each other. Trust is the basis — especially when it comes to big decisions such as buying a house or investing. It is important to me to understand your personal situation and to develop a feeling for your wishes and goals. Because my concepts should be one thing above all else: tailored.I want you to feel understood and to have a partner at your side who is honest, committed and on equal footing with you.
My native language is German — yet most of my consultations take place on English Instead of, especially in the Aachen area, there is a high demand for transparent, English-language financial advice — especially for expats. That is why I have specialized in explaining even complex financial topics comprehensibly and clearly in English.
For my English-speaking customers, I offer a full accompaniment in English to — including translation of all relevant documents.
If necessary, I am also happy to personally assist with consultations, on-site appointments with property developers, architects or brokers to avoid misunderstandings.
I currently still have no official interpreter license, but plan to buy in the coming year.
However, depending on bank requirements, I am often allowed to assist with notary appointments as an informal translator.
Important to know: I am not allowed to translate the loan agreement itself, as there is a potential conflict of interest here. In this case, an official translation is recommended — for your protection.
My parents have worked for DVAG for over 15 years — so I grew up with the company. It quickly became clear to me that DVAG is not only my professional home, but also the right partner for my customers:
- One central point of contact — I coordinate everything from a single source
- Regardless of whether you are a bank, insurance company, investment company or building society, I am your contact person
- Digital tools and strong partners in the background
- Access to experts from all subject areas
I see myself as your personal interface in the financial world — with a clear focus on Construction financing.
In this area, I know the banking landscape in detail and will work with you to find the solution that suits you.
Your credit rating (creditworthiness) is a central factor for mortgage financing.
It decides Whether you get a loan, how much you can finance — and on what terms.
The better your credit rating, the lower the interest rate usually. Banks evaluate your credit rating based on various criteria, such as:
Usually not directly — German banks primarily use domestic data sources (such as SCHUFA).
That means: Even if you have a very good credit history abroad, it may not be available here.
But that doesn't have to be a disadvantage: If you can prove a regular income in Germany and are financially stable, you can receive construction financing even without a German credit history — in particular with my targeted support for expats.
SCHUFA (Schutzgemeinschaft für Allgemeine Kreditsicherung) is Germany's most important credit agency for credit rating data.
It collects information about your payment history — such as:
Banks use the SCHUFA score to assess the risk of a loan.
A good score significantly increases your chances of getting construction financing with favorable conditions.
Tip: You can request your SCHUFA data free of charge once a year.
Your income is one of the most important building blocks for financing.
Banks check carefully whether you can afford the monthly installment in the long term — and how stable your financial situation is.
Depending on the professional situation, there are differences:
Rental income, child benefits and maintenance obligations, for example, are also taken into account.
In the end, it is always about the monthly burden fits the life situation — and this is exactly where I start my individual consultation.
Construction financing is a long-term loan that you can use to finance the purchase, construction or modernization of a property.
In Germany, it usually works via a so-called annuity loans: You receive a certain amount from a bank and repay it over many years in consistent monthly installments (consisting of interest and repayment).
The special feature in Germany: Interest rates are usually fixed for a specific period of time — the so-called Fixed interest — and you can choose the right solution from a wide range of banks and funding programs.
There are various models that make sense depending on your life situation and goals:
As a rule of thumb, At least 10-20% of the purchase price should be backed by equity — in addition to Additional purchase costs (notary, real estate transfer tax, broker, etc.), which, depending on the federal state, additional 8-12% can amount to.
Example: With a property for 300,000€, you should ideally bring 60,000—90,000 € of equity.
But there are also financing options with less or even completely no equity — this depends heavily on your credit rating, income and property.
My parents have worked for DVAG for over 15 years — so I grew up with the company. It quickly became clear to me that DVAG is not only my professional home, but also the right partner for my customers:
- One central point of contact — I coordinate everything from a single source
- Regardless of whether you are a bank, insurance company, investment company or building society, I am your contact person
- Digital tools and strong partners in the background
- Access to experts from all subject areas
I see myself as your personal interface in the financial world — with a clear focus on Construction financing.
In this area, I know the banking landscape in detail and will work with you to find the solution that suits you.
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