Yes! You can use AI to fill out Vermögensaufstellung / Selbstauskunft (Statement of Assets / Self-Disclosure)
The Vermögensaufstellung / Selbstauskunft, or Statement of Assets / Self-Disclosure, is a comprehensive document required by German banks like Raiffeisenbank to gather detailed financial information from loan applicants. It provides a complete picture of an individual's or couple's assets, liabilities, income, and expenses, which is crucial for the bank to evaluate creditworthiness and financial stability. 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.
Our AI automatically handles information lookup, data retrieval, formatting, and form filling.
It takes less than a minute to fill out Vermögensaufstellung / Selbstauskunft using our AI form filling.
Securely upload your data. Information is encrypted in transit and deleted immediately after the form is filled out.
Form specifications
| Form name: | Vermögensaufstellung / Selbstauskunft (Statement of Assets / Self-Disclosure) |
| Number of pages: | 3 |
| Language: | English |
Instafill Demo: How to fill out PDF forms in seconds with AI
How to Fill Out Vermögensaufstellung / Selbstauskunft Online for Free in 2026
Are you looking to fill out a VERMÖGENSAUFSTELLUNG / SELBSTAUSKUNFT form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your VERMÖGENSAUFSTELLUNG / SELBSTAUSKUNFT form in just 37 seconds or less.
Follow these steps to fill out your VERMÖGENSAUFSTELLUNG / SELBSTAUSKUNFT form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Vermögensaufstellung / Selbstauskunft form.
- 2 Provide personal information for the applicant and any co-applicant, including name, address, marital status, and employment details in Section 1.
- 3 Use the AI assistant to detail all assets in Section 2, including real estate, life insurance policies, bank accounts, securities, and business assets.
- 4 List all financial liabilities in Section 3, such as mortgages, personal loans, leasing agreements, and tax obligations.
- 5 Document all sources of gross annual income for each person in Section 4, covering employment, business, investments, and other earnings.
- 6 Itemize monthly and annual expenses in Section 5, including living costs, rent, loan repayments, and insurance premiums.
- 7 Review all the AI-populated information for accuracy, answer the final questions, and then sign and date the form to certify its correctness before submission.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
Why Choose Instafill.ai for Your Fillable Vermögensaufstellung / Selbstauskunft Form?
Speed
Complete your Vermögensaufstellung / Selbstauskunft in as little as 37 seconds.
Up-to-Date
Always use the latest 2026 Vermögensaufstellung / Selbstauskunft 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 Form Vermögensaufstellung / Selbstauskunft
This form is a self-disclosure statement of your assets, liabilities, income, and expenses. Raiffeisenbank uses this detailed financial overview to assess your creditworthiness for a loan or other financial services.
The primary individual applying for the financial product is the applicant (1.1). The co-applicant (1.2) is typically a spouse, partner, or guarantor who is jointly applying and whose financial situation will also be evaluated.
You must provide copies of land register extracts for real estate, proof of surrender value for life insurance policies, and recent statements for accounts or loans held at other banks. The form indicates in each section which documents are required.
'Verkehrswert' is the current market value of your property. It is the estimated price the property would achieve if sold on the open market at the time of this declaration.
You must report your gross annual income ('Einkommen brutto im Jahr') from all sources. The form then asks you to calculate the average monthly income by dividing the total annual sum by 12.
The form requires you to provide both your average monthly expenses ('pro Monat') and the total expenses for the current year ('lfd. Jahr') for each category listed.
'Güterstand' refers to your matrimonial property regime, which governs how assets are owned and divided between spouses. You should specify your legal marital property status, such as community of accrued gains ('Zugewinngemeinschaft').
Yes, you must declare all assets and liabilities, regardless of which bank they are with. The form explicitly notes that you must attach proof, such as account statements, for any items held at an external institution.
It is crucial to be truthful and disclose any dunning procedures, payment lawsuits, or insolvency proceedings from the last 10 years. Check 'Ja' (Yes) and provide a brief, factual explanation in the space provided.
Once you have filled out and signed the form, you should submit it to your advisor at Raiffeisenbank Augsburger Land West eG. Contact your bank representative for specific instructions on whether to mail, hand-deliver, or securely upload the document.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help reduce errors. This is particularly helpful for complex financial forms with numerous data points.
You can upload the PDF of the form to the Instafill.ai platform, which will make it an interactive, fillable document. You can then type your information directly into the fields online and print or save the completed form.
If you have a non-fillable or 'flat' PDF, a service like Instafill.ai can convert it into an interactive form. Simply upload the file, and the platform's AI will identify the fields, allowing you to fill it out on your computer with ease.
'Hypotheken/Grundschulden' refers specifically to mortgages and land charges secured by real estate. 'Sonstige Bankkredite' (other bank loans) includes all other types of loans, such as personal loans, car loans, or overdraft facilities.
Compliance Vermögensaufstellung / Selbstauskunft
Validation Checks by Instafill.ai
1
Validates Date of Birth Format and Plausibility
Checks that the date of birth for the applicant (1.1) and co-applicant (1.2) is in a valid format (e.g., DD.MM.YYYY) and represents a plausible past date. This ensures the applicant is of legal age and prevents data entry errors. An invalid or future date would halt processing and require manual correction, as age is a critical factor for credit assessment.
2
Ensures Consistency Between Employment Dates and Income Type
This validation cross-references the 'Employed since' and 'Self-employed since' fields with the income section (4). If a date is provided in 'Employed since', there should be a corresponding entry for 'Income from non-self-employed work'. This check verifies the logical consistency of the applicant's declared financial situation, and a mismatch would trigger a review for clarification.
3
Verifies Sum of Individual Assets Matches Total Assets
This check ensures that the value entered in 'Total Assets (Sum of Section 2)' for each person correctly equals the sum of all individual asset categories listed in section 2.4 (real estate, life insurance, participations, etc.). This is crucial for maintaining the mathematical integrity of the financial statement. A discrepancy would indicate a calculation error and prevent an accurate assessment of the applicant's net worth.
4
Verifies Sum of Individual Liabilities Matches Total Liabilities
This validation confirms that the 'Total Liabilities (Sum of Section 3)' field for each person is the correct sum of all individual liability types (mortgages, bank loans, leasing, etc.) listed in section 3. Accurate liability calculation is fundamental to determining creditworthiness and debt-to-income ratios. If the sum is incorrect, the form would be flagged for correction to avoid a flawed financial analysis.
5
Verifies Sum of Annual Income and Monthly Calculation
This check validates that the 'Sum of Section 4' is the correct total of all annual income sources, and that the 'Monthly Value' is correctly calculated by dividing the annual total by 12. This ensures the income figures used for affordability checks are accurate. An error here could lead to a wrongful approval or denial of credit, so a failed validation would require immediate recalculation.
6
Requires Details for 'Yes' Answer on Legal Proceedings
This rule checks section 6. If the 'Yes' box is checked for either person, indicating past legal or financial proceedings, the corresponding details field ('Ja, und zwar') must not be empty. This is a critical risk assessment point, as past financial difficulties significantly impact credit decisions. Failure to provide details when required would make the submission incomplete and trigger a request for more information.
7
Cross-Validates Real Estate Loans with Liabilities and Expenses
This check ensures that if a property in section 2.1 has an 'Existing Loans' value, there is a corresponding liability entry in 'Sum of Mortgages/Land Charges' (section 3) and a 'Loan Installment for Mortgages' expense in section 5. This creates a complete and logical picture of the applicant's real estate-related debt. A mismatch could indicate undisclosed debt or an incomplete application, requiring further investigation.
8
Matches Real Estate Rental Income with Annual Income Statement
This validation verifies that the sum of 'Annual Rental Income' from all properties listed in section 2.1 is consistent with the 'Income from Rent and Lease' reported in section 4. This cross-check ensures that declared assets are generating the expected income, which is important for assessing repayment capacity. Discrepancies would require clarification to confirm the true income situation.
9
Ensures Core Personal Information is Complete
This validation checks that essential fields for the primary applicant (1.1) such as 'Name, Vorname', 'Adresse', and 'Geburtsdatum' are not empty. This information is the minimum required to identify the individual and begin any assessment. An incomplete submission would be rejected immediately as it cannot be processed.
10
Ensures All Monetary Fields Contain Valid Numeric Values
This validation scans all fields that expect a monetary value (e.g., Verkehrswert, Darlehen, Summe aus 2) to ensure they contain only valid, non-negative numeric characters. This is a fundamental data quality check to prevent calculation errors and ensure the financial data can be processed automatically. Any non-numeric or negative values would cause the validation to fail.
11
Validates Chronological Order of Dates
This check ensures that dates like 'Baujahr' (Year Built), 'bestehend seit' (In Force Since), and 'Beschäftigt seit' (Employed Since) are not in the future. It also validates that these dates are logically before the form's 'Per' (As-of) date. This prevents impossible scenarios and ensures the data reflects a historical and current state.
12
Verifies Consistency of Life Insurance Surrender Values
This check ensures that the sum of all 'Rückkaufswert in €' (Surrender Value) fields from the detailed life insurance table (section 2.2) matches the 'Summe Rückkaufswerte Lebensvers.' (Sum Life Insurance Surrender Values) in the asset summary (section 2.4). This maintains consistency between the detailed breakdown and the summary totals. A mismatch would indicate an error in the applicant's asset declaration.
13
Validates Format of Phone Number and Email Address
This check ensures that the 'Telefon / e-Mail' fields for both applicants contain either a validly formatted phone number or a validly formatted email address (e.g., contains an '@' and a domain). This is essential for ensuring the bank can contact the applicant for follow-up questions or notifications. An invalid entry would prevent communication and delay the application process.
14
Verifies Consistency of Participation Values
This validation confirms that the sum of all 'Wert der Beteiligung in €' (Value of Participation) fields from the detailed participations table (section 2.3) equals the 'Summe Wert der Beteiligungen' (Sum Value of Participations) in the asset summary (section 2.4). This ensures the detailed financial holdings are accurately reflected in the overall asset summary. An inconsistency would require correction to ensure the net worth calculation is correct.
Common Mistakes in Completing Vermögensaufstellung / Selbstauskunft
A frequent and critical error occurs in Section 5 (Ausgaben), where expenses are requested 'in TEUR' (thousands of Euros). Applicants often overlook this and enter standard euro amounts, for example, writing '1.200' for a €1,200 rent. The bank would interpret this as €1,200,000, completely distorting the financial assessment and leading to immediate rejection. Always double-check column headers for units like '€', 'T€', or 'p.a.' (per annum) to ensure data is entered at the correct scale.
Section 4 explicitly asks for 'Einkommen brutto im Jahr' (gross annual income). However, people are more accustomed to their monthly take-home pay (net income) and often enter this figure instead, or they enter net instead of gross. This significantly understates their financial standing and repayment capacity in the eyes of the bank, potentially leading to a smaller loan amount or an outright denial. It is essential to use figures from official salary statements or tax assessments before any deductions.
The form requires a mix of timeframes, with Section 4 asking for annual income ('im Jahr') and Section 5 asking for both monthly ('pro Monat') and annual ('lfd. Jahr') expenses. A common mistake is to enter monthly income in the annual field or vice-versa, which creates major inconsistencies when the bank calculates the monthly surplus. This signals carelessness and forces the bank to request clarification, delaying the application process.
Applicants often misrepresent the value of their assets in Section 2. For real estate (2.1), they might list the original purchase price instead of the current market value ('Verkehrswert'). For life insurance (2.2), the total insured sum is often entered instead of the much lower, and financially relevant, surrender value ('Rückkaufswert'). These errors provide an inaccurate picture of an applicant's net worth and can mislead both the applicant and the bank.
In Section 3 (Verbindlichkeiten), there is a tendency to 'forget' or minimize liabilities, such as credit card debt, car leases, private loans, or outstanding tax payments. Applicants may believe this improves their profile, but banks cross-reference this information with credit agencies (like SCHUFA). Discovering undisclosed debts severely damages credibility and is a primary reason for application rejection.
The form explicitly states that documents like land register excerpts ('Grundbuchauszug'), proof of life insurance surrender value ('Nachweis Rückkaufswert'), and statements for loans at other banks must be attached. Many applicants submit the form without these documents, assuming they can be provided later. This immediately halts the review process, as the bank cannot verify the stated information, leading to significant delays.
A frequent issue is a lack of consistency between different parts of the form. For example, the total mortgage liability in Section 3 might not match the sum of 'Bestehende Darlehen' from the real estate details in Section 2.1, or the rental income in Section 4 may not align with the 'Mietertrag' listed in Section 2.1. Such discrepancies require manual verification by the bank advisor, slowing down the assessment. AI-powered tools like Instafill.ai can help prevent this by cross-validating data across the form.
In Section 1, the 'Familienstand / Güterstand' field is often only partially completed with just the marital status. The 'Güterstand' (matrimonial property regime) is legally significant in Germany for determining how assets and liabilities are shared between spouses, which directly impacts the bank's risk assessment. Failing to provide this information forces the bank to make assumptions or request clarification, causing delays.
In Section 2.1, applicants often confuse 'Belastungen im Grundbuch in T€' (encumbrances in the land register in thousands of €) with 'Bestehende Darlehen in €' (existing loans in €). The land register may show a higher initial charge, while the actual outstanding loan is lower. Entering the same value in both, or mixing up the units (T€ vs €), leads to an incorrect financial statement. It's crucial to provide both figures accurately from the official documents.
This form is often distributed as a non-fillable PDF, leading to manual entry that is prone to all the errors listed, such as illegible handwriting, calculation mistakes, and inconsistent data. This manual process is time-consuming and inefficient. Modern tools like Instafill.ai can convert such flat PDFs into interactive, fillable forms, enabling features like automatic calculations, data validation, and error checking to ensure a clean, accurate, and professional submission.
Saved over 80 hours a year
“I was never sure if my IRS forms like W-9 were filled correctly. Now, I can complete the forms accurately without any external help.”
Kevin Martin Green
Your data stays secure with advanced protection from Instafill and our subprocessors
Robust compliance program
Transparent business model
You’re not the product. You always know where your data is and what it is processed for.
ISO 27001, HIPAA, and GDPR
Our subprocesses adhere to multiple compliance standards, including but not limited to ISO 27001, HIPAA, and GDPR.
Security & privacy by design
We consider security and privacy from the initial design phase of any new service or functionality. It’s not an afterthought, it’s built-in, including support for two-factor authentication (2FA) to further protect your account.
Fill out Vermögensaufstellung / Selbstauskunft with Instafill.ai
Worried about filling PDFs wrong? Instafill securely fills vermgensaufstellung-selbstauskunft-statement-of-assets-self-disclosure forms, ensuring each field is accurate.
