Yes! You can use AI to fill out Selbstauskunft Geschäftlich (FYRST - Deutsche Bank AG)

Applicants often confuse gross and net income or include non-guaranteed payments like overtime or voluntary bonuses, which the form's instructions on page 4 explicitly exclude. This error leads to an inaccurate assessment of repayment capacity and causes delays or rejection when income documents don't match the application. To avoid this, carefully review the definitions on page 4 and use your official annual salary statement. AI-powered tools like Instafill.ai can also help by cross-referencing uploaded pay stubs to ensure the correct gross figures are entered.

A frequent mistake is entering incorrect values for assets, such as the face value of a life insurance policy instead of its current surrender value ('Rückkaufswert'). Applicants also forget to separate assets that are already pledged as security for other loans. This misrepresents the applicant's unencumbered net worth, which can lead to the loan application being rejected during verification. To prevent this, refer to recent statements for accurate values and carefully follow the form's instructions on page 4.

When indicating a probationary period ('Probezeit') or a fixed-term contract ('Befristetes Arbeitsverhältnis'), applicants must also provide the corresponding end date. Many people check the 'Ja' box but fail to fill in the 'bis' (until) date field. This omission creates uncertainty for the bank regarding future income stability and will halt the approval process until the information is provided. Always double-check that if you select 'Ja' for either of these, you also enter the specific end date.

The form requires both the number of dependent children and their specific birthdates ('Anzahl Geburtsdaten unterhaltsberechtigter Kinder'). A common mistake is to only state the number of children while omitting their dates of birth in the required TT.MM.JJJJ format. This information is essential for the bank to accurately calculate living expense allowances and determine the applicant's financial obligations, and missing data will trigger a follow-up request.

The form requires a detailed breakdown of annual private expenses across categories like rent, utilities, and vehicle costs. Applicants often estimate a single large figure for 'Lebensunterhalt' (Living Expenses) and neglect to fill out the other specific fields. This prevents the bank from getting a clear, verifiable picture of the applicant's fixed costs, which can lead to an inaccurate assessment of their disposable income. Use the detailed guide on page 4 to correctly categorize and list all major annual expenses separately.

The form has distinct sections for private and business financial disclosure, which is a common point of confusion for self-employed applicants. Listing business assets (like company equipment) in the private section, or personal debts in the business section, creates an inaccurate financial profile. This makes it difficult for the bank to assess personal repayment capacity separately from business performance. Carefully separate all assets, liabilities, and income into the correct 'privat' or 'geschäftlich' sections.

This document is often distributed as a non-fillable PDF, forcing applicants to fill it out by hand, which can result in illegible entries. Misinterpreting a '1' as a '7' in an income field can drastically alter the credit assessment and lead to significant processing delays or incorrect decisions. To avoid this, use an AI-powered tool like Instafill.ai, which can convert flat PDFs into digitally fillable forms, ensuring all entries are clear, legible, and accurate.

This multi-page application requires signatures and dates in several locations, particularly on the consent and declaration page (page 7). Applicants, especially when there are two borrowers, often overlook one of the signature or date fields. A missing signature invalidates the crucial consent for data processing and SCHUFA inquiries, immediately halting the application. It is vital to review every page before submission and ensure all required signature and date fields are completed.

Page 5 contains a financial section marked 'NUR AUSZUFÜLLEN, FALLS KEINE BILANZ VORLIEGT' (Only fill out if no balance sheet is available). Applicants who are submitting a balance sheet often fill this out anyway, creating redundant information. Conversely, those without a balance sheet sometimes overlook this crucial section. Both errors delay processing, as the bank must clarify which data to use.

The form asks for the 'Güterstand' (matrimonial property regime), a legal detail many applicants are unsure of and often leave blank. This information is legally significant for assessing liability and ownership of assets and debts within a marriage. An incorrect or missing entry requires clarification from the bank, delaying the loan decision. Applicants should confirm their status (e.g., 'Zugewinngemeinschaft' is the default in Germany) before filling out the form.