Tenant mistakes after rejection despite credit in Germany

Many tenants in German cities experience rejections when applying for flats even though their credit is fine. Such rejections can have various causes — from internal landlord preferences to unjustified discrimination. This article explains in clear language which typical mistakes applicants make, how to gather evidence, which official forms and deadlines to observe, and how to enforce your rights at the local court or through out-of-court measures. I name official sources, template forms and practical formulations so you can respond directly. Read the notes on deadlines, documentation and possible steps up to an eviction claim.

Why rejections happen despite good credit

A rejection is not always related to your credit. Landlords often check multiple criteria: length of tenancy, pets, history of rent arrears, personal data or simply preferences. Sometimes discrimination or faulty processes play a role. Important: you have rights under the German Civil Code and can challenge decisions^[1].

Concrete steps for tenants

• (deadline) Respond within deadlines: Request the specific reason for rejection by email or letter and note the date and contact person.
• (evidence) Gather evidence: Secure emails, notices, self-disclosures, credit reports and photos from viewings.
• (form) Submit forms: Use standardized template letters or an objection and document delivery.
• (court) Contact the local court: For legal steps the local court is responsible; check civil procedure rules and deadlines^[2].
• (contact) Contact tenant associations and advisory services: Get advice before you respond formally.

For systematic or repeated rejections, a targeted inquiry to the competent local court or a complaint to the responsible state authority may be useful^[3]. Before suing, check mediation or conciliation offers; many cities have tenant conciliation services.

Examples of typical mistakes

• (warning) Late response: letting deadlines expire and losing rights.
• (evidence) Poor documentation: failing to provide bank statements or missing credit evidence.
• (form) Incorrect forms or wrong recipients: not delivering an objection formally.

FAQ

Can I contest a rejection without a reason?

Yes. You can request a written reason and possibly file an objection. Document the request and any deadlines.

Which local courts handle tenancy disputes?

Most tenancy disputes are handled by local courts; for higher amounts the regional courts and possibly the Federal Court of Justice handle legal questions^[2].

Are there official forms for objection or claim?

There are template letters and claim forms on justice and federal ministry websites; use these templates to avoid formal errors^[3].

How-To

1. (evidence) Collect: Put together all relevant evidence (credit report, bank statements, emails, photos).
2. (form) Draft objection/form: Write a short, factual objection including date, name and request.
3. (deadline) Observe deadlines: Send objection by registered mail or verifiable email within a short deadline.
4. (contact) Seek advice: Contact a tenant association or your city’s free legal advice.
5. (court) Court action: If necessary, file a claim at the local court using official claim forms.

Help and Support / Resources

• [1] BGB §§ 535–580a — Gesetze im Internet
• [2] Zivilprozessordnung (ZPO) — Gesetze im Internet
• [3] Federal Ministry of Justice — Tenancy information

1. [1] BGB §§ 535–580a — Gesetze im Internet
2. [2] Zivilprozessordnung (ZPO) — Gesetze im Internet
3. [3] Federal Ministry of Justice — Tenancy information