01 · Key points
What matters for this topic
Stable, sufficiently high income
Very good, well-documented creditworthiness
Marketable property with a plausible valuation
Financial reserves despite no equity contribution
Realistic purchase-cost calculation
02 · Context
Financing the purchase price or 110%?
With purchase-price financing, you pay the transaction costs yourself. Financing beyond this may also cover transfer tax, notary or agent fees. The larger the loan relative to property value, the closer the bank’s scrutiny.
03 · Context
Why property value matters so much
The bank considers more than the agreed price: it establishes its own lending value. If that is lower, a funding gap arises. A realistic property assessment belongs at the start of planning.
04 · Context
Reserves provide security
Even without an equity contribution, you should have a financial buffer. Moving, renovation, service charges, insurance and unexpected repairs must remain affordable alongside the loan payment.
05 · Be prepared
Points you should not underestimate
- A higher loan-to-value ratio may worsen terms
- Purchase price and bank valuation may differ
- Without reserves, repairs or lost income quickly become critical
- 110% financing is more demanding than financing the purchase price alone
06 · Documents
Commonly required documents
The documents actually needed depend on the lender, your plans and personal circumstances. The following are often useful for preparation:
07 · Practical example
What an assessment might look like
A couple with secure incomes wants to buy a marketable property but recently used their savings for family expenses. Rather than rejecting the idea outright, assess household surplus, creditworthiness, property value and reserve options together. Only then can purchase-price financing or additional transaction-cost financing be assessed.
This example is illustrative only and is not a mortgage commitment or quotation of terms.08 · Frequently asked questions
Questions about Full financing without equity
Can I get a mortgage with no equity at all?+
In principle, yes, if income, creditworthiness, the property and the overall calculation are convincing. Approval is always an individual bank decision.
Can transaction costs also be financed?+
In suitable cases, yes, but this raises risk and requirements. It is often cheaper to pay at least the transaction costs yourself.
Do I still need savings reserves?+
Yes. Reserves for repairs, moving and unexpected expenses are especially important with high borrowing.
Important information
The information on this page is general. It does not replace individual mortgage, legal or tax advice and is not a binding credit commitment. Requirements and terms are assessed individually.