Construction financing without tax return

Nevertheless, no home financing is linked to a tax return.

And thus, it cannot be a condition of the bank.

What kind of argument is that? Of course, in straightforward single-family home financings, a tax return is not necessary, but in every construction financing for the self-employed it is required. The same applies to income from rentals and leases or employed managing directors who are simultaneously business owners or have income abroad that is relevant for the financing.

That was simply the answer to the question from #1 to the OP

A tax return was not necessary for us. We were not even asked for it - by none of the banks that were in the close circle. The payslips for the last 3 months were completely sufficient. The employer provides an annual salary certificate that at least documents your annual employee salary.

Given your circumstances, there are certainly several banks that would gladly give you a loan.

Self-employed persons, freelancers, sole proprietorships, those working abroad, and people in similar situations have no other way to prove a stable income. In our case, for both previous financings, they wanted to see the income tax assessments of both of us for the last 3 years. That was not a problem.

Some banks also wanted to see additional business documents (EÜR etc.). But those banks were ruled out by us due to inappropriate curiosity :-) .
Sylvia

There is no obligation to submit any tax documents to the banks. Of course, they tend to want to obtain everything "obtainable." ;-) Ultimately, each bank may request whatever it considers necessary for its credit assessment. If you do not provide that, the bank will decide whether it wants to grant the loan without the requested documents or whether it will make a negative credit decision.

A refusal to submit documents can usually only be afforded by someone who a) does not have a tax return prepared and therefore cannot present one or b) someone who can prove their personal creditworthiness in another way.

Self-employed, freelancers, one-person companies, people working abroad, and people in similar situations have no other way to prove a stable income. In our case, for both previous financings, they wanted to see the income tax assessments from the last 3 years from both of us. That was not a problem.

Some banks also wanted to see further business documents (EÜR etc.). But those banks were then dropped by us because of inappropriate curiosity :) .
Sylvia

This has nothing to do with inappropriate curiosity but is based on the requirements of §18 KWG! In case of doubt, the bank cannot do otherwise, although there is always some leeway (which is determined by the auditors or the Bundesbank as part of credit reviews).
In my (banking) job, I also do not always want to look at and evaluate all the documents that I MUST accept ;)