Yes! You can use AI to fill out Finanzierungsantrag und Selbstauskunft

This check ensures that all date fields (e.g., Geburtsdatum, beschäftigt seit) are entered in the required TT.MM.JJJJ format and represent a plausible date. For instance, a birth date must be in the past and indicate the applicant is of legal age (e.g., over 18), and an employment start date cannot be in the future. This is crucial for data integrity and accurate calculation of age, employment duration, and risk. Failure to provide a valid and plausible date will result in a processing error and require user correction.

This validation verifies that the 'Steuer-IdNr.' for each applicant is a valid 11-digit number, conforming to the specific structural rules for German tax identification numbers. The Tax ID is a unique and mandatory identifier for legal and credit reporting purposes (e.g., to SCHUFA). An invalid or missing ID will halt the application process as it is essential for the lender's due diligence and regulatory compliance.

This check ensures that the provided IBAN and BIC for each applicant's bank account are structurally correct. It validates the IBAN's country code, length, and checksum, and verifies the BIC's standard format. Accurate bank details are fundamental for identity verification and for the successful disbursement of loan funds and collection of monthly payments. An invalid IBAN or BIC will cause transaction failures and significantly delay the financing process.

This check cross-references an applicant's 'Geburtsdatum' (Date of Birth) with their 'beschäftigt seit' (Employed Since) date. The employment start date must be after the applicant could have reasonably started working (e.g., after their 16th birthday). This validation prevents data entry errors and ensures the employment history is logical for a credible creditworthiness assessment. A discrepancy would trigger an error, requiring the applicant to review and correct the dates.

This validation ensures that if the 'Anzahl der Kinder' (Number of Children) field is filled with a number greater than zero, the corresponding 'Geburtsdatum/-daten' (Birth date(s)) field is also completed. This information is critical for calculating the household's net disposable income and financial obligations, as dependents significantly impact the budget. An incomplete entry prevents an accurate assessment of affordability and will block submission until the missing birth dates are provided.

If an applicant selects 'freiberuflich' (freelance) or 'selbstständig' (self-employed), this validation makes the 'seit' (since) and 'Firma' (company name) fields mandatory. This information is vital for the lender to understand the stability, history, and nature of the applicant's primary income source. Without these details, the self-employment income cannot be properly verified, leading to a delay or rejection of the application until the required data is supplied.