A loan in Germany can be made either to an individual who resides in Germany whether he is of German nationality or not, or to a non-resident who wishes to obtain German financing.
A loan in Germany is relatively easy for a resident in the country and if it meets the following conditions: justification of income and domicile in Germany and a good standing with the German credit bureau (SCHUFA) that allocates a score to every borrower banked in Germany.
Getting a loan in Germany for a non-resident is illusory and does not make any financial sense for the following reasons: any German lender is obliged to check the credit rating agency (SCHUFA) prior approving any loan in Germany.
Even for a home loan in Germany and with a deposit for a mortgage, German banks and brokers prefer to see a domiciliation of salary to a German bank account.