Moving to Germany is… tough. If you’re planning to move here, there are some things you just have to accept: you will need a lot of paperwork, you won’t question rules, and you will probably call your mum crying once or twice. Trust us, it all pays off.
Before finding your flat, here’s everything you should know beforehand. If you already have accommodation but still have some doubts about Berlin, you can download our Berlin City guide for more tips!
The housing market in Germany is difficult and saturated. You have three different rental options:
If you’re not living in Germany yet, the first option is probably the best one for you, since it’s the one that requires the least bureaucracies. It’s also the best way to get to know new people in a new city! At Uniplaces we love to make your life easier. So that you don’t have to knock door by door, on our platform you can actually book a place online. No hassle or interviews from other people that will evaluate if they want you as a flatmate or not. At Uniplaces you browse, book the place that you like the most, and you book. Very simple.
The first German words you’ll learn? Hallo, wie geht’s, some curse words, and the dreaded Anmeldung. It essentially means registration; in this context, we’re talking about registering yourself in the city you’re living in, at the Bürgeramt.
Here’s what you need to take:
You will leave with your Anmeldung or Anmeldebestätigung, meaning proof of registration. This little piece of paper is essential and you absolutely cannot lose it. Whether you want to set up a bank account, apply for health insurance, get an internet contract or even sign up for a gym, chances are you will need to show it to prove you legally live in that city.
Here are some tips:
Don’t ever expect to be able to pay with a card. Going somewhere to get a document that you’ll have to pay for? Take cash with you. When it comes to paying for your accommodation, cash is, however, not the way to go.
Most landlords only accept rent payments via bank transfer or direct debit (if you book with Uniplaces, you pay us the first month’s rent and we transfer it over to the landlord). If your landlord wishes to process the payments via direct debit, you will likely need a German bank account to provide your IBAN/BIC.
There are different options when opening a bank account. You can either go for a more traditional bank, which provides you with an EC card (or EC-Karte), or you can save some time and stress and go for a more modern option like N26, which is free and 100% online.
Keep in mind that some places in Germany only accept payment with EC-Karte, and you can get one if you have an account with a bank like Berliner Sparkasse, Berliner Volksbank, Commerzbank, Deutsche Bank, Postbank, among others.
However, while N26 doesn’t provide you with an EC-Karte, it also doesn’t ask you for your Anmeldung to open an account. Since it might take you a while to get an Anmeldung, it might be easier for you to choose an online bank like this one if you’re looking for a fast solution. Also, if your landlord asks for you to pay rent with a German bank account, you’ll likely need it before you have your Anmeldung.
Regarding your new apartment’s security deposit, it must also be paid via bank transfer, normally before you move in to your new place. Most landlords won’t accept cash or cheques as a form of payment. It’s also common that landlords request 3 months of “cold rent” (Nettokaltmiete, which stands for your rent without utility costs) as a deposit. It’s the maximum amount that can be requested by law. Luckily, if you don’t wish to pay the deposit in one take, it’s your legal right to pay it in 3 installments.
Of course, the landlord will return your deposit after your stay as long as there are no damages or adjustments to be made in utility payments. If there are, that amount will be deduced from your deposit, and the rest will be transferred back to you. However, keep in mind that this transfer can take a while: it usually takes from 3 to 6 months for you to get your deposit back, but in certain cases it can take over a year.
The Schufa, or as the tongue-tying Schutzgemeinschaft für allgemeine Kreditversicherung, is a private institution that collects information about your credit score so the landlord knows if you have any debt. Unfortunately, only German citizens can get this document for free in specific situations. In case you don’t have German nationality, you have to pay around €30.
You can get this document online or at any Postbank in Germany. This is a document for you to share with your future landlord. It does not contain any sensitive data, but only information on whether or not you have a good score. If you have never lived in Germany before, there will naturally be no record of you and you will, therefore, have no Schufa.
Another document that your landlord might ask for is a confirmation of your Liability Insurance (Bestätigung über Haftpflichtversicherung). Not all landlords ask for this, but this is simply an insurance that covers damages that are your own fault. There are a million different providers; you usually can ask for it online and they cost around €50 per year.
If you’re a non-European, you’ll need to get a health insurance, as this is mandatory in Germany. If you come from a foreign country within the EU and have a private insurance in your home country, this will also be valid for your Erasmus in Germany.
If you do need to get an insurance, we strongly recommend using BARMER. BARMER (with 9.3 million members, one of Germany’s largest Public Health Insurances) supports students from abroad to get their proof of health insurance for enrollment at University. This allows you to get your health insurance sorted before even landing in Germany, making the process as fast and convenient as possible!
In order to request this insurance, just fill in this sheet and mail to: firstname.lastname@example.org, and don’t forget to attach a photo of you for your electronic health insurance card. The cost of this insurance for students in 2017 is 91,64€ per month, but feel free to email Melanie in case you have any questions!
And remember, when you’re packing, make sure you can still fit a great deal of patience in your luggage. You’ll need it. But don’t fret! Make sure to check out our other articles about Berlin, like this one with some random facts about the city, and start packing!
Now that you know everything you need before moving to Germany, it’s time to find your next home! That’s the easy part. Whether you’re going to Berlin, Cologne, Munich or another city, Uniplaces is here to help you.
Thanks for reading this post!
Have any funny stories about German bureaucracy? Let us know in the comments. And remember: if you need student accommodation, you’ll find the perfect student home on Uniplaces.