Yes! You can use AI to fill out Selbstauskunft/ Vermögensaufstellung (Financial Self-Disclosure/Statement of Assets)
The Selbstauskunft/ Vermögensaufstellung is a standard German financial disclosure form required by banks for assessing creditworthiness, providing a complete picture of an applicant's financial situation, including personal details, income, expenses, assets, and liabilities. This comprehensive statement is essential for the bank to make informed decisions about loan applications and other credit-related services. 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.
Selbstauskunft/ Vermögensaufstellung is part of the
asset disclosure forms, disclosure forms, ERM forms, financial disclosure forms and financial forms categories on Instafill.
Form Complexity Index
Very Complex
92 / 100
| Fillable fields | 539 |
| Pages | 9 |
| Fields per page | 60 |
| Sections | 112 |
| Conditional rules | 7 |
| Tables & lists | 14 |
| Instruction pages | — |
| Instafill Form ID | IF-SELBSTAUSKUNFT-VERMGENSAUFSTELLUNG-FINANCIAL-SELF-DISCLOSURESTATEMENT-OF-ASSETS |
Selbstauskunft/ Vermögensaufstellung has a very complex Form Complexity Index of 92/100 — 539 fillable fields across 9 pages. Instafill’s AI completes it accurately in under a minute.
Form specifications
| Form name: | Selbstauskunft/ Vermögensaufstellung (Financial Self-Disclosure/Statement of Assets) |
| Number of fields: | 539 |
| Number of pages: | 9 |
| FCI: | Very Complex (92/100) |
| Language: | English |
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How to Fill Out Selbstauskunft/ Vermögensaufstellung Online for Free in 2026
Are you looking to fill out a SELBSTAUSKUNFT/ VERMÖGENSAUFSTELLUNG form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your SELBSTAUSKUNFT/ VERMÖGENSAUFSTELLUNG form in just 37 seconds or less.
Follow these steps to fill out your SELBSTAUSKUNFT/ VERMÖGENSAUFSTELLUNG form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the 'Selbstauskunft/ Vermögensaufstellung' form.
- 2 Use the AI assistant to automatically fill in your personal details, employment information, and family status for both the applicant and co-applicant.
- 3 Enter your monthly income and expenses in the 'Einnahmen / Ausgaben' section. The AI can help categorize and calculate totals from uploaded documents like pay stubs or bank statements.
- 4 Detail your assets ('Vermögen'), including real estate, bank accounts, investments, and insurance policies. Instafill.ai can help structure this complex information from various source documents.
- 5 List all your liabilities ('Verbindlichkeiten'), such as existing loans, credit lines, and other financial obligations, by filling the guided fields.
- 6 Review the completeness declaration and authorizations, then use the AI tool to check for any missing information or inconsistencies before finalizing.
- 7 Securely sign the document electronically and download the completed, validated form, ready for submission to the bank.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
Why Choose Instafill.ai for Your Fillable Selbstauskunft/ Vermögensaufstellung Form?
Speed
Complete your Selbstauskunft/ Vermögensaufstellung in as little as 37 seconds.
Up-to-Date
Always use the latest 2026 Selbstauskunft/ Vermögensaufstellung form version.
Cost-effective
No need to hire expensive lawyers.
Accuracy
Our AI performs 10 compliance checks to ensure your form is error-free.
Security
Your personal information is protected with bank-level encryption.
Frequently Asked Questions About Selbstauskunft/ Vermögensaufstellung
Selbstauskunft/ Vermögensaufstellung has a Form Complexity Index of 92 out of 100, placing it in the very complex complexity tier. This score is calculated deterministically from the form’s own structure using Instafill’s published Form Complexity Index methodology, so it can be reproduced and independently verified — it is not a subjective estimate.
For Selbstauskunft/ Vermögensaufstellung specifically, the score reflects 539 fillable fields across 9 pages, grouped into 112 sections, and 7 conditional fields that only apply depending on earlier answers, 14 tables or repeating lists. The number of fields is the largest factor in the base score (weighted 36%), followed by how difficult those fields are to complete based on their type, where free-text and signature fields count for more than simple checkboxes (26%). The number of pages that actually contain fields (15%), the amount of conditional “fill-only-if” logic (16%), and how many sections the form is divided into (7%) account for the rest of the base. On top of that base, the index adds points for tables and repeating lists, bundled instruction pages, and dense page layouts — capturing difficulty the base alone can miss.
In practical terms, a very complex score means the form is exceptionally demanding — a very large number of fields, often combined with tables, dense pages or extensive conditional logic. Instafill removes that effort entirely: our AI reads your information, maps each value to the correct field — including the conditional ones — and completes Selbstauskunft/ Vermögensaufstellung accurately in under a minute, with every field available for you to review before you download. See exactly how the Form Complexity Index is calculated.
This is a self-disclosure form used by Raiffeisenbank Elbmarsch eG to collect detailed information about your personal and financial situation. The bank uses this data to assess your creditworthiness for a loan or other financial products.
No, you only need to complete the 'Mitantragsteller/Ehegatte' (co-applicant/spouse) section if you are applying jointly with another person. If you are applying by yourself, you can leave this section blank.
'Brutto' refers to your gross income before any taxes or social security contributions are deducted. 'Netto' is your net income, which is the actual amount you receive after all deductions.
You should be prepared to provide supporting documents such as recent pay stubs, tax assessments, and for any real estate you own, a land register extract ('Grundbuchauszug'). The bank may request additional proofs for assets and liabilities listed.
These are 'persons requiring maintenance,' meaning individuals you are legally obligated to support financially. This typically includes your children and may also include a spouse or ex-spouse to whom you pay alimony.
As a self-employed person, you must detail your income from your business and may need to provide additional documents like your latest business analysis ('BWA') or tax returns. The form also includes an optional power of attorney for your tax advisor to provide information directly to the bank.
Yes, the form clearly states that all your information is protected by German banking secrecy laws ('Bankgeheimnis'). Raiffeisenbank Elbmarsch eG is committed to treating your data with strict confidentiality.
This authorization allows the bank to verify the financial information you have provided as part of its standard due diligence process. You can choose whether or not to grant this permission in Section 7.
According to the 'Vollständigkeitserklärung' (Declaration of Completeness), providing incorrect or incomplete information can have serious consequences. The bank may be entitled to withdraw from the loan contract or terminate the loan.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields from your existing documents, which can save you significant time and help prevent errors.
You can upload the 'Selbstauskunft' PDF to the Instafill.ai platform. The service will make the document interactive, allowing you to easily type in your information, save your progress, and download the completed form.
If you have a non-fillable or 'flat' PDF, you can use a tool like Instafill.ai. It can convert the document into an interactive, fillable form, making it easy to complete on your computer.
Compliance Selbstauskunft/ Vermögensaufstellung
Validation Checks by Instafill.ai
1
Validates German Tax ID Format (Steueridentifikationsnummer)
This check ensures that the 'Steueridentifikationsnummer' for both the applicant and co-applicant is exactly 11 digits long and conforms to the official format, which includes specific rules about non-repeating digits and a valid checksum. This ID is crucial for correct identification with financial authorities and for tax purposes. An invalid number will lead to processing errors and potential rejection of the application by the bank.
2
Ensures all IBANs are Valid
This validation verifies that all International Bank Account Numbers (IBANs) entered in the assets, liabilities, and bank reference sections adhere to the correct format (e.g., starting with 'DE' for Germany followed by 20 digits) and have a valid checksum. This is critical for accurately identifying accounts for asset verification, debt servicing, and setting up direct debits. An incorrect IBAN will cause payment failures and delays in processing the loan application.
3
Requires End Date for Fixed-Term Employment
This check ensures that if an applicant or co-applicant indicates their employment relationship ('Beschäftigungsverhältnis') is 'befristet' (fixed-term), the corresponding 'befristet bis' (fixed-term until) date field must be filled with a future date. This date is essential for the bank to assess the stability and longevity of the applicant's income. Failure to provide this date when required will result in an incomplete application and prevent the bank from properly evaluating creditworthiness.
4
Validates Date of Birth Plausibility and Legal Age
This check verifies that the 'Geburtstag' (Date of Birth) for both the applicant and co-applicant is a valid date in the past and indicates the person is of legal age to enter a contract (e.g., over 18). It prevents data entry errors like future dates or impossible dates. This is fundamental for identity verification and assessing legal capacity, and an invalid date will halt the application process immediately.
5
Checks for Consistency Between Employment Status and Income
This validation cross-references the selected employment status (e.g., 'Ohne Beschäftigung' or 'einkommenslos') with the income section. If an applicant is marked as having no income ('einkommenslos'), their net income fields should be zero or empty. This check ensures logical consistency in the financial data, which is vital for an accurate assessment of the applicant's financial situation and repayment ability.
6
Requires Explanation if Negative Legal History is Declared
This check validates that if the applicant or co-applicant answers 'ja' (yes) to the question about past legal proceedings (Mahnverfahren, Zwangsvollstreckungen, etc.), the corresponding explanation text field must be filled out. This information is critical for the bank's risk assessment. Answering 'yes' without providing an explanation leaves a critical information gap and will cause the application to be flagged as incomplete.
7
Ensures Completeness of Co-applicant Data
This validation triggers if any field in the co-applicant/spouse section is filled, and then verifies that all mandatory personal and employment details for the co-applicant are also provided (e.g., Name, Vorname, Geburtstag, Anschrift). A partially filled co-applicant section is insufficient for a joint application and credit assessment. This check ensures all necessary data for a full legal and financial evaluation of all parties is present.
8
Validates Employment Start Date Logic
This check ensures the 'seit' (employment since) date is not in the future and is chronologically plausible in relation to the applicant's date of birth (e.g., the applicant must be at least 16 years old at the start of employment). This prevents simple data entry errors and ensures the stated employment duration is credible. An illogical date would cast doubt on the validity of the employment information and require correction.
9
Validates Property Debt Against Market Value
For each real estate property listed, this check compares the 'Restschuld' (outstanding debt) against the 'Verkehrswert' (market value). It flags cases where the outstanding debt exceeds the property's market value. This is a significant risk indicator for the bank, helping to identify situations of negative equity and ensuring the asset data is logically sound for calculating the applicant's net worth.
10
Validates German Postal Code (PLZ) Format
This check verifies that the 'PLZ' (postal code) for both the applicant and co-applicant is a 5-digit number, consistent with the German postal system. Correct postal codes are essential for address verification, communication, and meeting legal Know Your Customer (KYC) requirements. An invalid format will lead to returned mail and may delay or prevent the completion of the application process.
11
Ensures Exclusive Selection for Employment Status
This validation confirms that for both the applicant and the co-applicant, only one checkbox is selected from the list of employment statuses (e.g., 'Angestellte/r', 'Selbstständige/r', 'Rentner/in'). Selecting multiple, mutually exclusive statuses is a logical error that makes it impossible to categorize the applicant correctly. This check guarantees the data is unambiguous for determining the correct income assessment model and risk profile.
12
Validates Consistency of Marital and Property Regime Status
This check ensures that if a marital status of 'verheiratet' (married) is selected, one of the matrimonial property regime ('Güterstand') options is also chosen. Conversely, if the applicant is single, these options should be disabled or empty. This information is legally important as it affects liability and asset ownership, and missing or inconsistent data will require clarification before the loan can be approved.
13
Ensures Dependent Data Completeness
This validation checks that if a name is entered for a dependent person ('unterhaltspflichtige Person') or a child ('Kinder'), the corresponding date of birth field is also filled, and vice versa. This data is used to calculate disposable income and assess financial obligations accurately. Incomplete entries for dependents prevent a correct calculation of the household budget and will flag the application for review.
Common Mistakes in Completing Selbstauskunft/ Vermögensaufstellung
Applicants often enter their net pay into the gross income column or vice versa, especially when filling out the form from memory. This leads to a fundamentally incorrect assessment of their financial capacity and creditworthiness. A misrepresentation, even if unintentional, can result in the loan application being delayed or rejected. To avoid this, carefully refer to your official payslip, which clearly distinguishes between 'Brutto' and 'Netto' earnings.
It's common for applicants to forget to list smaller debts such as store credit, 'buy now, pay later' financing, or outstanding credit card balances. The bank will discover these obligations during a credit check (like a SCHUFA inquiry), and the omission can be viewed as a lack of transparency, severely damaging the application's credibility. To prevent this, gather statements for all credit cards, loans, and financing agreements before starting the form to ensure a complete and honest declaration.
The real estate section requires very specific data like the land register sheet number ('Blatt Nr.'), market value ('Verkehrswert'), and outstanding debt ('Restschuld'), which are not common knowledge. Applicants often guess these values, use outdated information, or leave fields blank. This forces the bank to halt processing and request official documents, causing significant delays. Before filling, collect all necessary property documents, including the land register extract ('Grundbuchauszug') and current loan statements.
Applicants frequently miscalculate or underestimate their monthly expenses, particularly for categories like 'Lebenshaltungskosten' (living costs) or by entering base rent ('Kaltmiete') instead of the required total rent including utilities ('Warmmiete'). This creates an unrealistic picture of their disposable income. Inaccurate expense reporting can lead to the bank approving a loan with monthly payments that the applicant cannot sustainably afford. It is crucial to review several months of bank statements to calculate average monthly spending accurately.
The form requests most income and expenses on a monthly basis, but asks for annual figures in other sections, such as the 'Jahresprämie' for insurance policies. A common error is entering a monthly figure in an annual field or failing to correctly divide an annual cost by 12 for the monthly expense summary. This error completely skews the financial overview and can invalidate the entire budget calculation. Always double-check the time frame required for each field (e.g., 'monatlich', 'p.a.', 'Jahres-').
The form requires the personal 'Steueridentifikationsnummer,' a unique 11-digit number assigned to every resident for life. Applicants often confuse this with the 'Steuernummer,' a different number issued by the local tax office that can change. Providing the wrong number creates administrative hurdles and delays the verification process. The correct 'Steueridentifikationsnummer' is printed on your annual tax assessment ('Einkommensteuerbescheid') and many official documents from your employer or tax office.
In the assets section for life insurance, applicants must distinguish between the 'Aktueller Rückkaufswert' (current surrender value) and the 'Voraussichtliche Ablaufleistung' (projected maturity value). People often mistakenly list the higher, future maturity value as a current asset, which artificially inflates their net worth. The bank will verify this with the policy documents, and the discrepancy will require a re-evaluation of the application. To avoid this, refer to the most recent annual statement from your insurance provider, which clearly states the current surrender value.
After navigating the complex financial sections, applicants frequently overlook the final pages containing crucial authorizations and signatures. Missing a signature, especially from a co-applicant, or failing to check a box authorizing the bank to perform a credit check renders the application incomplete. This is a simple but very common mistake that brings the entire process to a halt until the form is properly completed and resubmitted. A final, thorough review of all pages is essential before submission.
The form has separate sections for 'unterhaltspflichtige Personen' (persons one is legally obliged to support) and 'Kinder' (children), which can be confusing. An applicant might only list their children under 'Kinder' while also paying formal child support, failing to list them again as a financial dependent, or they may forget to list an ex-spouse receiving alimony. This leads to an incorrect calculation of their financial obligations and disposable income. It's vital to list anyone receiving maintenance payments under 'unterhaltspflichtige Personen' to ensure accuracy.
When detailing their employment, applicants sometimes omit critical information, such as the end date ('befristet bis') for a fixed-term contract. This may be an oversight or an attempt to present their employment as more secure than it is. Since job stability is a primary factor in risk assessment, failing to disclose a temporary contract is a major misrepresentation that can lead to immediate loan rejection or cancellation if discovered later. Always check your employment contract and accurately report the terms, including any end dates.
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