Difference between revisions of "Germany/Housing/Schufa"
(Fix grammar.) |
|||
| Line 2: | Line 2: | ||
|Schufa Report in Germany | |Schufa Report in Germany | ||
|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= | ||
Revision as of 14:37, 25 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
Do I need a Schufa report?
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?
- 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
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 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
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.
in a branch
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
- How to get a free Schufa by All About Berlin
Notes
- ↑ 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.