Yes! You can use AI to fill out Selbstauskunft (Form D65602)
The Selbstauskunft (Form D65602) is a comprehensive financial self-disclosure document required by German financial institutions, like Sparkasse, to evaluate creditworthiness for loans. It captures detailed information about an applicant's personal data, employment, monthly income and expenses, assets (such as real estate and investments), and existing liabilities. This complete financial picture is essential for the bank's risk assessment process. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
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Form specifications
| Form name: | Selbstauskunft (Form D65602) |
| Number of pages: | 5 |
| Language: | English |
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How to Fill Out D65602 Online for Free in 2026
Are you looking to fill out a D65602 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your D65602 form in just 37 seconds or less.
Follow these steps to fill out your D65602 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Selbstauskunft (Form D65602).
- 2 Use the AI assistant to automatically populate personal details for yourself and your partner, including names, addresses, birth dates, and employment information.
- 3 Complete the 'Aktuelle private Einnahmen- und Ausgabenübersicht' section by providing all monthly income sources and recurring expenses.
- 4 Detail your assets in the 'Angaben zum Privatvermögen' section, listing capital assets (Kapitalvermögen) and real estate (Grundvermögen), using the provided annexes for multiple properties.
- 5 List all existing liabilities ('Verbindlichkeiten'), such as bank loans, credit lines, and leasing agreements, including the lender, outstanding balance, and monthly payment.
- 6 Declare any expected future changes to your income or expenses and grant power of attorney for the bank to verify information with third parties like SCHUFA.
- 7 Carefully review all entered information for accuracy, then digitally sign and date the form in all required locations to certify its completeness and truthfulness.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form D65602
This form, the 'Selbstauskunft' (Self-Disclosure), is used by the Sparkasse to gather a complete overview of your personal and financial situation. It is a standard and essential part of the assessment process for any credit application, such as a loan or mortgage.
The main applicant for the credit must complete this form. If a spouse or partner is a co-applicant or their income is relevant to the application, their information is also required to provide a full household financial picture.
Yes, you should provide your partner's details if you live together, as their income and expenses affect the household's overall financial status. This information helps the bank get a complete and accurate picture for the credit assessment.
'Warmmiete' is your total monthly rent including ancillary costs paid to your landlord. 'Bewirtschaftungskosten' are additional utility costs you might pay directly to providers, such as electricity, that are not included in your rent payment.
Fill out Anlage 1 if you expect any changes to your income or expenses, Anlage 2 to list all real estate you own, and Anlage 3 if you are an entrepreneur or business owner applying for credit.
No, if you are applying as a private individual and are not self-employed, you can leave Anlage 3 ('Angaben zum Unternehmen') blank. This section is only for business owners providing details about their company.
By signing, you authorize the Sparkasse to request your credit report from SCHUFA, Germany's main credit agency. This is a standard procedure for almost all credit applications in Germany to verify your credit history and score.
This section asks you to declare whether you are acting as a 'Verbraucher' (consumer) for the purpose of this application. If the credit is for personal use, you are a consumer; if it's primarily for your business or self-employment, you are not.
Typically, you will need to provide supporting documents like recent pay stubs, bank statements, and tax assessments. The bank will inform you of the specific documents required for your application.
The form includes a 'VollstÀndigkeitserklÀrung' where you legally confirm all information is true and complete. Intentionally providing false information can lead to the rejection of your application, termination of existing credit, or even legal consequences.
Yes, services like Instafill.ai use AI to help you fill out complex forms like this one more quickly and accurately. These tools can auto-fill many fields based on your data, saving you significant time and reducing the risk of errors.
To complete this form digitally, you can upload the PDF to a service like Instafill.ai. The platform makes the document interactive, allowing you to type directly into the fields, save your progress, and complete it easily from any device.
If your PDF is a 'flat' or non-fillable file, you can use a tool like Instafill.ai to make it interactive. Simply upload the document, and the service will automatically detect the fields and convert it into a fillable form you can complete online.
Compliance D65602
Validation Checks by Instafill.ai
1
Income and Expense Totals Consistency
This check verifies that the sum of all individual monthly income fields equals the 'Monthly Total Income (After Taxes)' field, and that the sum of all individual expense fields equals the 'Monthly Total Expenses' field. This is crucial for ensuring the financial summary is arithmetically correct and not based on a manual miscalculation. If the totals do not match, the form submission must be flagged for review, as it indicates a data entry error that fundamentally impacts the applicant's financial assessment.
2
Remaining Surplus Calculation Verification
Validates that the 'Remaining Monthly Surplus' field is the precise result of 'Monthly Total Income (After Taxes)' minus 'Monthly Total Expenses'. This is a critical cross-check to verify the applicant's stated monthly cash flow surplus or deficit. An incorrect surplus value can lead to a flawed assessment of their ability to service new debt, potentially resulting in an incorrect lending decision.
3
Conditional Previous Address Requirement
Ensures the 'Previous Address' field is filled out if the date provided in 'Residence Since' is less than three years prior to the submission date. This is important for credit checks and identity verification, as a longer address history provides more stability and data points for background checks (like SCHUFA). If the condition is met but the field is empty, the form should be considered incomplete and prompt the user to provide the previous address.
4
Dependent Children and Ages Consistency
Verifies that if the 'Number of dependent children' is greater than zero, the 'Children's ages' field is not empty. It should also check that the number of ages listed matches the number of children specified. This ensures data completeness for assessing financial obligations and living expenses. A mismatch would require clarification to accurately model the household's financial situation.
5
Date of Birth and Employment Start Date Plausibility
Checks that the 'Employed Since' date is a plausible date after the applicant's 'Date of Birth'. Specifically, the employment start date should not be before the applicant is of a legal working age (e.g., 16 years old). This prevents logical impossibilities and data entry errors. An invalid entry would require correction before the applicant's employment history can be properly evaluated.
6
IBAN Structure and Checksum Validation
Validates that all IBAN fields (e.g., 'Primary Bank Account Details', 'First Bank IBAN') follow the correct format, including country code, checksum digits, and length according to the ISO 13616 standard. This is crucial for ensuring the bank details are correct for potential debit mandates and for running automated bank information requests. An invalid IBAN would cause these processes to fail, delaying or halting the application.
7
Future Date Prevention for Historical Fields
This check ensures that date fields which must be in the past, such as 'Date of Birth', 'Employed Since', and 'Residence Since', do not contain a date in the future. This is a basic sanity check to catch common data entry mistakes. Submitting a future date for a past event would render the information nonsensical and require immediate correction.
8
Liability Dates Chronological Order
For each listed liability, this validation verifies that the dates are in a logical chronological order: 'Contract Start Date' must be before or on the same day as 'Fixed-Interest End Date' (if present), which must be before or on the same day as 'Final Installment Due Date'. This ensures the loan data is coherent and reflects a realistic loan lifecycle. Inconsistent dates would make it impossible to accurately assess the terms and remaining duration of the debt.
9
Rental Income and Property Asset Correlation
Checks if a positive value is entered for 'Net Rental Income', then at least one property must be listed in the real estate section (Anlage 2 'Objektaufstellung'). This cross-references income sources with declared assets, ensuring consistency across the application. If rental income is declared without a corresponding property, it could indicate an omission or error that needs to be clarified to verify the income's legitimacy.
10
Tax Arrears Conditional Field Requirement
This validation ensures that if the checkbox 'Row 13: Tax arrears - Yes (ja)' is selected, the corresponding amount field 'Row 13 Tax arrears amount' must contain a value greater than zero. Conversely, if 'No' is checked, the amount field should be zero or empty. This enforces data integrity for a critical financial red flag. Missing the amount when arrears are declared would leave a significant financial risk unevaluated.
11
Spouse/Partner Data Completeness for Joint Assessment
If the 'Marital Status' is 'verheiratet' (married) or a partner's name is entered in 'Spouse/Partner Full Name', then key fields like 'Spouse/Partner Date of Birth' and 'Spouse/Partner Occupation' must be filled. This ensures a complete financial picture of the household, which is essential for joint applications or when a partner's income is considered. Incomplete partner data would prevent a comprehensive creditworthiness assessment.
12
Pension Start Date vs. Date of Birth Plausibility
This check validates that the 'Expected Pension Start Date' is a reasonable number of years after the applicant's 'Date of Birth'. For example, the applicant should be at least 60 years old by the specified pension start date. This prevents data entry errors and ensures the financial planning data is logical. An unrealistic pension date would skew long-term financial projections and must be corrected.
13
Building Year Plausibility Check
Validates that the 'Baujahr' (Year of Construction) for any listed property in Anlage 2 is a realistic four-digit year. The year should not be in the future and should be after a reasonable historical cutoff (e.g., 1800). This simple check prevents typos and ensures the data used for property valuation is sound. An incorrect building year can significantly impact the estimated value and risk assessment of the property.
14
Judicial Enforcement Measures Response Required
Ensures that for the question 'Wurden gegen Sie schon einmal gerichtliche ZwangsmaÃnahmen eingeleitet?', one and only one of the 'Ja' (Yes) or 'Nein' (No) options is selected. This is a mandatory declaration critical to risk assessment. Failure to answer this question leaves a major information gap and the application cannot proceed without this declaration.
Common Mistakes in Completing D65602
Applicants often enter their gross salary ('Brutto-Gehalt') instead of the requested net salary ('Netto-Gehalt'). This happens because the gross figure is more prominent on payslips. This error inflates the applicant's perceived income, leading to an inaccurate assessment of affordability and potential rejection once the bank verifies the actual take-home pay. To avoid this, always use the final 'Auszahlungsbetrag' (payout amount) from your payslip.
The form asks for 'Warmmiete,' which includes ancillary costs ('Nebenkosten'), but many people only enter their base rent ('Kaltmiete'). This understates their fixed monthly expenses, creating a misleadingly large budget surplus. The bank will likely discover this discrepancy when reviewing bank statements, causing delays and requiring a recalculation of the applicant's financial capacity. Always enter the total monthly payment made to your landlord.
It is common to forget smaller debts like 'buy now, pay later' plans, overdraft facilities, or credit card balances in the 'Verbindlichkeiten' section. Failing to declare all liabilities is a major red flag, as these will be revealed during the mandatory SCHUFA credit check. This discrepancy can lead to a loss of trust and an immediate rejection of the credit application for providing incomplete information.
The form requires manually calculating total income, total expenses, and the final monthly surplus. Simple arithmetic mistakes are frequent and can present a flawed financial picture, either overstating or understating affordability. These errors are easily caught by the bank and can cast doubt on the overall accuracy of the submission, potentially triggering a more stringent review. Using a tool with automatic calculation can prevent these mistakes.
The main form refers to several annexes for crucial details, such as 'Anlage 2' for real estate or 'Anlage 3' for business information. Applicants often overlook these separate sheets, resulting in a fundamentally incomplete application. Forgetting to detail a property in Anlage 2, for instance, means a significant asset is not considered, which negatively impacts the credit assessment and halts the process.
This field is for property owners and is often misunderstood or underestimated. Owners may forget to include all relevant costs such as property tax ('Grundsteuer'), waste disposal fees, or mandatory contributions to a homeowners' association ('Hausgeld'). This understates property-related liabilities and inflates the budget surplus, which can lead to the approval of an unaffordable loan.
This multi-page form requires a signature, place, and date in several locations, including on each annex ('Anlage'). It is a very common procedural error to miss one of these signature fields. An unsigned declaration is legally invalid, which will stop the application process until the missing signature is provided, causing unnecessary delays. If the form is a non-fillable PDF, tools like Instafill.ai can convert it into a fillable version where signature fields are clearly marked.
Self-employed applicants must use the 'durchschn. Entnahmen' (average withdrawals) field for income, not 'Netto-Gehalt'. A frequent error is to mix personal and business finances, for example by listing business loans in the personal liabilities table instead of in 'Anlage 3'. This makes it difficult for the bank to assess the stability of both the business and the private household, leading to extensive queries and delays.
When applying with a spouse or partner, their financial information must be just as precise as the primary applicant's. People often provide rough estimates for their partner's income or forget to list their separate liabilities, leading to an inaccurate joint financial statement. This will cause significant delays as the bank will require complete and verified documentation for both individuals before proceeding with the assessment.
Applicants may group various distinct costs, such as different insurance policies or savings plans, under a single generic category like 'Sonstiges' (Other). This lack of detail prevents the bank from accurately analyzing the financial structure and may trigger requests for clarification, delaying the application. It is crucial to use the specific fields provided for items like 'Altersvorsorge' (pension plans) or 'BerufsunfÀhigkeitsversicherung' (disability insurance). AI-powered tools like Instafill.ai can help categorize expenses correctly based on document analysis.
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