Difference between revisions of "Germany/Housing/Schufa"
Jump to navigation
Jump to search
(Title.) |
|||
| (12 intermediate revisions by the same user not shown) | |||
| Line 1: | Line 1: | ||
{{Head | {{Head | ||
| − | |Schufa Report | + | |Schufa Report for Renting an Apartment |
|free or paid | |free or paid | ||
| − | |'''Schufa''' is the biggest German credit score system. Mostly, you need their report of you if you want to rent an apartment long-term. Read here how to get | + | |'''Schufa''' is the biggest German credit score system. Mostly, you need their report of you if you want to rent an apartment long-term. Read here how to get such a ''Schufa Bonitätsauskunft''. |
}} | }} | ||
| Line 14: | Line 14: | ||
* Also it's '''unlikely''' when subletting an apartment or room from another person. | * Also it's '''unlikely''' when subletting an apartment or room from another person. | ||
| − | Read more about [[Germany/Housing/Rent|renting | + | Read more about [[Germany/Housing/Rent|renting an apartment or room]]. |
}}{{FAQ/Item|q= Why do landlords want a Schufa? |a= | }}{{FAQ/Item|q= Why do landlords want a Schufa? |a= | ||
| Line 22: | Line 22: | ||
* Therefore, landlords want to be sure that a new tenant will pay their rent before they sign a contract. | * Therefore, landlords want to be sure that a new tenant will pay their rent before they sign a contract. | ||
* A way to check this is whether the applicant has paid their bills before. This is why they want to see a credit score report. | * A way to check this is whether the applicant has paid their bills before. This is why they want to see a credit score report. | ||
| − | |||
}} | }} | ||
}} | }} | ||
| − | |||
== Get a Schufa report == | == Get a Schufa report == | ||
=== Free === | === Free === | ||
| − | Instead of the regular credit score report, you can get a free copy of all the personal data that Schufa stores about you (based on the [https://en.wikipedia.org/wiki/General_Data_Protection_Regulation GDPR]). It also contains the information that landlords want to see. | + | Instead of the regular credit score report, you can get a '''free copy of all the personal data''' that Schufa stores about you (based on the [https://en.wikipedia.org/wiki/General_Data_Protection_Regulation GDPR]). |
| + | |||
| + | It also contains the information that landlords want to see. | ||
| + | |||
| + | It is sent to you by letter, so it takes a few days. | ||
* Go to [https://www.meineschufa.de/de/datenkopie MeineSchufa.de: Datenkopie (nach Art. 15 DS-GVO)] | * Go to [https://www.meineschufa.de/de/datenkopie MeineSchufa.de: Datenkopie (nach Art. 15 DS-GVO)] | ||
| Line 54: | Line 56: | ||
You '''can''' also upload documents (e.g. from you ''Anmeldung'') but this is optional. | You '''can''' also upload documents (e.g. from you ''Anmeldung'') but this is optional. | ||
| − | * click on ''Eingaben prüfen'', check your inputs and submit. | + | * click on ''Eingaben prüfen'', check your inputs and submit (''Absenden''). |
| − | You | + | === Paid online === |
| + | |||
| + | You can also '''get Schufa report online''' directly from the company. It costs '''~€30''' and arrives '''in 1-3 days by letter'''. | ||
| + | |||
| + | # Go to the {{AffLink|Schufa website|schufa}}. | ||
| + | # Pick ''Schufa-Bonitätsauskunft''. | ||
| + | #* Make sure you are ordering it with a one-time payment. Schufa also offers subscriptions per month which look cheaper but have minimum terms. | ||
| + | # Fill out your data and submit. You might use the dictionary from above. | ||
| + | |||
| + | === Paid in a branch === | ||
| + | You can also '''get a Schufa report now''' by going into a bank branch. It costs '''~€30'''. | ||
| − | |||
[https://www.meineschufa.de/index.php?site=14_3 Find a branch] of | [https://www.meineschufa.de/index.php?site=14_3 Find a branch] of | ||
| Line 69: | Line 80: | ||
* and a ''Meldebescheinigung'' (certificate of registration) | * and a ''Meldebescheinigung'' (certificate of registration) | ||
| − | + | == See also == | |
| − | |||
| − | == | ||
* [https://allaboutberlin.com/guides/free-schufa-berlin How to get a free Schufa] by ''All About Berlin'' | * [https://allaboutberlin.com/guides/free-schufa-berlin How to get a free Schufa] by ''All About Berlin'' | ||
| − | |||
[[Category:Housing]] | [[Category:Housing]] | ||
| + | |||
| + | {{Notes}} | ||
Latest revision as of 21:24, 27 July 2022
Schufa is the biggest German credit score system. Mostly, you need their report of you if you want to rent an apartment long-term. Read here how to get such a Schufa Bonitätsauskunft.
Questions & Answers[edit]
Do I need a Schufa report? [edit]
It depends on the place you want to rent:
- Almost always, you need one for renting an (unfurnished) apartment long-term.
- You probably don't need one for renting a furnished apartment short-term.
- Also it's unlikely when subletting an apartment or room from another person.
Read more about renting an apartment or room.
Why do landlords want a Schufa? [edit]
- In Germany, renting apartments is highly regulated by law.
- Especially, it is difficult for landlords to kick a tenant out.
- Therefore, landlords want to be sure that a new tenant will pay their rent before they sign a contract.
- A way to check this is whether the applicant has paid their bills before. This is why they want to see a credit score report.
Get a Schufa report[edit]
Free[edit]
Instead of the regular credit score report, you can get a free copy of all the personal data that Schufa stores about you (based on the GDPR).
It also contains the information that landlords want to see.
It is sent to you by letter, so it takes a few days.
- Go to MeineSchufa.de: Datenkopie (nach Art. 15 DS-GVO)
- Pick the option on the left: SCHUFA-Datenkopie.
A page with a form opens, fill it out. Here's a dictionary:
- Anrede: salutation
- Vornamen: first names
- Nachname: last names
- Geburtsdatum: date of birth
- The next fields are optional:
- E-Mail-Adresse: e-mail address
- Geburtsname: birth name (maiden name)
- Geburtsort: place of birth
- Frühere Namen: previous names
- Straße: street
- Hausnummer: house number
- Postleitzahl: postal code
- Ort: city
You can also upload documents (e.g. from you Anmeldung) but this is optional.
- click on Eingaben prüfen, check your inputs and submit (Absenden).
Paid online[edit]
You can also get Schufa report online directly from the company. It costs ~€30 and arrives in 1-3 days by letter.
- Go to the Schufa website[1].
- Pick Schufa-Bonitätsauskunft.
- Make sure you are ordering it with a one-time payment. Schufa also offers subscriptions per month which look cheaper but have minimum terms.
- Fill out your data and submit. You might use the dictionary from above.
Paid in a branch[edit]
You can also get a Schufa report now by going into a bank branch. It costs ~€30.
- Postbank or
- Volksbank
walk in with your
- ID or passport
- and a Meldebescheinigung (certificate of registration)
See also[edit]
- How to get a free Schufa by All About Berlin
Notes[edit]
- ↑ This is an affiliate link. If you click on it and then buy something or sign up for a service, we may earn a commission which covers our expenses. This does not change the price for you.