EU BLUE CARD:
Our goal is a financing approval that fits your career, your family, and your future plans.
Transparent financing for professionals without permanent residence.
- Specialized in EU Blue Card Financing
- Independent comparison of multiple banks
- Realistic assessment of your possibilities
- Structured preparation of all documents
- Personal support until approval
Ilja Sabgir: Specialist for Construction and Real Estate Financing with the EU Blue Card
Many EU Blue Card holders face challenges when applying for real estate financing.
Ilja Sabgir understands these specific requirements and supports you with expertise and a structured approach. You receive a realistic assessment of your options, thoroughly prepared documentation, and an independent comparison of several banks.
Who Our Consultation Is For
- Skilled professionals with an EU Blue Card who wish to buy property in Germany
- Singles, couples, and families during probation or shortly after a job change
- Buyers of apartments, houses, or building plots
- Owner-occupied or investment properties
- Important
Even if you don’t hold an EU Blue Card, you’re in the right place.
Clients with temporary or permanent residence permits can also finance successfully.
Thanks to his extensive experience with international clients, Ilja Sabgir ensures that your documents and proofs meet bank requirements precisely.
Your Advantages at a Glance
Comparison
Independent advice and evaluation of offers from multiple institutions
Expertise
Experience with EU Blue Card cases and special circumstances
Structure
Clear checklists to make your documents “bank-ready” right away.
Clarity
Transparent explanations focusing on rate, repayment, and flexibility
Support
Personal guidance through to payout and beyond
What Is the EU Blue Card?
The EU Blue Card is a residence permit for highly qualified professionals from non-EU countries. It targets university graduates and individuals with proven professional qualifications and experience.
Its purpose is to facilitate the immigration of skilled workers to Germany and offer attractive long-term prospects for living and working here.
Typically, the EU Blue Card is issued for four years. If the employment contract is shorter, the card’s validity equals the contract duration plus three months.
Its purpose is to facilitate the immigration of skilled workers to Germany and offer attractive long-term prospects for living and working here.
Typically, the EU Blue Card is issued for four years. If the employment contract is shorter, the card’s validity equals the contract duration plus three months.
Requirements for EU Blue Card Financing
To ensure a smooth financing process, certain basic requirements must be met.
We help you compile all necessary documents so your application makes a strong impression from the start.
Employment Contract and Income
A stable employment relationship with regular income is the foundation of every financing.
Banks prefer permanent or long-term contracts and verifiable salary slips.
If you are still in a probation period, Ilja Sabgir identifies institutions that are still open to financing.
Banks prefer permanent or long-term contracts and verifiable salary slips.
If you are still in a probation period, Ilja Sabgir identifies institutions that are still open to financing.
Residence Status
A valid EU Blue Card is required.
For temporary residence permits, banks look closely at the remaining duration and renewal prospects.
Ilja Sabgir ensures that all proofs of status and living situation are properly prepared.
For temporary residence permits, banks look closely at the remaining duration and renewal prospects.
Ilja Sabgir ensures that all proofs of status and living situation are properly prepared.
Equity and Savings
Your own capital signals financial stability and long-term planning.
In addition to the purchase price, you should account for notary, registry, and ancillary costs.
A realistic budget plan helps identify what’s feasible and what should wait.
In addition to the purchase price, you should account for notary, registry, and ancillary costs.
A realistic budget plan helps identify what’s feasible and what should wait.
Creditworthiness
Banks need to assess your reliability through SCHUFA reports, bank statements, and existing commitments.
Ilja Sabgir helps you present this information clearly and completely to avoid misunderstandings.
Ilja Sabgir helps you present this information clearly and completely to avoid misunderstandings.
Tip: Use our budget calculator to see in just minutes what purchase price fits your situation.
Open budget calculatorOur Collaboration Process
1.
Introduction & Goals
We discuss your desired property, timeline, available equity, and employment situation to develop a tailored financing strategy.
2.
Feasibility Check
Together, we analyze which financing models are realistic. Our calculators allow you to test different rates, terms, and interest scenarios.
3.
Bank comparison
Once the parameters are set, Ilja Sabgir compares offers from multiple banks — analyzing interest rates, repayment terms, and special options side-by-side.
4.
Recommendation & Documentation
You receive a clear, transparent recommendation with all details.
Your documents are fully prepared according to banking standards using a structured checklist.
5.
Approval & Processing
Ilja Sabgir coordinates with the bank and notary, guiding you through to payout — reliably, transparently, and always with your best interests in mind.
6.
Follow-Up Care
Even after completion, Ilja remains your contact for adjustments or refinancing — ensuring your financing remains a perfect fit for your life.
Your Advantages at a Glance
Bank-independent
Choose from multiple lenders instead of just one bank.
Blue Card Expertise
Experience with probation periods, fixed-term contracts, and foreign accounts
Transparent Decisions
Clear comparison of rate, term, and reserves
Quick Feedback
Dedicated contact, structured process, reliable timelines
About Baufinanzierung Sabgir
Ilja Sabgir is a certified banking specialist and graduate of Frankfurt School of Finance, with many years of experience in real estate and construction financing.
His goal: make complex topics understandable — whether you’re buying your first property or already experienced
Clients value his structured yet personal approach.
Every financing case is treated individually, with transparent presentation of all options.
The focus is not on signing a contract but on finding a sustainable solution that truly fits your life. Friendly in tone, clear in execution, and genuinely interested in your goals — Ilja Sabgir supports you from the first consultation to payout and beyond.
Common Challenges – and How We Solve Them
EU Blue Card holders often encounter the same obstacles. One is the probation period: some banks still finance if the overall profile fits. Ilja Sabgir knows which institutions are flexible and how to present your case convincingly.
Another is a limited residence permit. What matters is showing both remaining duration and renewal prospects clearly. We create the transparency banks need to make confident decisions.
For variable income (bonuses, allowances), we calculate realistic averages and justify them clearly.
If equity is limited, we help plan ancillary costs smartly to maintain a financial buffer — ensuring stability in the long run.
What Banks Typically Require
Personal & Income Documents
- EU Blue Card and ID document
- Employment contract (plus addendums if any)
- Last three payslips
- Bank statements and SCHUFA report
Financials & Equity
- Proof of own funds
- Overview of existing loans and obligations
Property Documents
- Exposé, land register extract, site map
- Partition deed and HOA meeting minutes (for apartments)
- Construction documents for new builds or renovations
Transparent Conditions
We explain which factors influence your interest rate — loan-to-value ratio, term, repayment rate, property type, and credit score — so you always understand the reasoning behind each recommendation and available alternatives.
FAQ: EU Blue Card Financing
- Can I get financing while on probation?
Yes — depending on the bank and your overall profile.
We work with institutions that understand these situations and assess them realistically. - How important is the remaining validity of my Blue Card?
Very important. The longer your residence permit is valid and the clearer the prospect of renewal, the better your chances with the bank.
- What fixed-interest period (rate lock) makes sense?
That depends on your need for planning security and the current market environment.
We present different options and explain how they affect your monthly payment and flexibility. - How much equity do I need?
In most cases, the additional purchase costs (such as notary and land registry fees) should be covered by your own funds.
We calculate different equity ratios with you to find the ideal setup. - Do you also support follow-up financing (refinancing)?
Yes. Ideally, we review your options 12 to 18 months before your fixed-interest period ends to secure favorable conditions early.