Question 1

What can I use a moving loan for?

Accepted Answer

A moving loan covers all relocation costs: Security deposit (Kaution) - typically 3 months rent, moving company or rental truck, renovation of old and new apartment, new furniture and kitchen, double rent during transition, registration fees and connections.

Question 2

How much should I borrow for a move?

Accepted Answer

Typical moving costs: Small move (same city): 3,000-5,000€, Medium move (different city): 5,000-10,000€, Large move (family/long distance): 10,000-15,000€. Calculate: Kaution (3x rent) + moving costs + new furniture = your loan amount.

Question 3

Can I get a moving loan for the security deposit?

Accepted Answer

Yes! The Kaution (security deposit) is the most common reason for moving loans. It's typically 2-3 months cold rent - often 2,000-5,000€ that you need upfront. A loan lets you move immediately instead of saving for months.

Question 4

Are there special moving loans in Germany?

Accepted Answer

There's no specific 'Umzugskredit' product - it's a regular personal loan (Ratenkredit) used for moving expenses. This is actually good: you get full flexibility on how to use the money, and rates are competitive.

Question 5

How quickly can I get a moving loan?

Accepted Answer

With online lenders: Application 5-10 minutes, instant decision, Video-Ident 10 minutes, payout 24-48 hours. Perfect timing: Apply when you sign the rental contract, have money ready for deposit payment.

Question 6

What monthly payment can I expect?

Accepted Answer

Examples at 6.20% APR: 5,000€ over 36 months = ~152€/month, 8,000€ over 48 months = ~189€/month, 10,000€ over 60 months = ~193€/month. Choose a term where payment fits your new budget after rent.

Question 7

Should I include furniture in my moving loan?

Accepted Answer

Yes, if you need new furniture anyway. Advantages: One loan, one payment, one interest rate. Better than: Store financing (often 0% but strict terms), credit card (high rates). Calculate all your needs before applying - it's cheaper to borrow once.

Question 8

What if I'm on probation at a new job?

Accepted Answer

You can still get a loan, but conditions may be stricter. Tips: Add a second borrower if possible, provide employment contract, show stable income history. Some banks specialize in loans during probation periods.

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Typical Moving Costs

Cost Overview

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What You Can Finance

Deposit

Moving Company

Renovation

Furniture

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Frequently Asked Questions

What can I use a moving loan for?+

How much should I borrow for a move?+

Can I get a moving loan for the security deposit?+

Are there special moving loans in Germany?+

How quickly can I get a moving loan?+

What monthly payment can I expect?+

Should I include furniture in my moving loan?+

What if I'm on probation at a new job?+

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