How much property an Austrian bank will finance for you.
Austrian lending rules cap the loan at 90% of the property value, the instalment at 40% of net household income and the term at 35 years. See your realistic purchase price before you start viewing.
What Austrian banks can lend you
Austrian lending rules cap the loan at 90% of the property value, the monthly instalment at 40% of net household income, and the term at 35 years.
- Maximum loan
- € 489,929
- Monthly instalment
- € 2,200
- Instalment vs. income
- 40%
- Loan vs. property value
- 90%
- Purchase side costs (~10%)
- € 54,437
- Total interest over the term
- € 302,071
Estimate under the Austrian KIM-Verordnung: max. 90% loan-to-value, max. 40% debt-service-to-income, max. 35-year term. Side costs of about 10% cover property transfer tax, land-register entry, notary and agent fees, and must be funded from equity. Banks apply individual scoring; foreign income and short residence periods can change the outcome.
This calculator provides a non-binding estimate for orientation. It is not tax or investment advice, and it does not replace an individual assessment of your situation.
The rules behind the numbers.
Maximum 90% loan-to-value
You need at least 10% of the purchase price as equity, plus the side costs on top.
Maximum 40% of net income
All loan instalments together — including existing credit — may not exceed 40% of net household income.
Maximum 35-year term
Longer terms are not permitted under the Austrian lending standards, which limits how far the instalment can be stretched.
Around 10% side costs
Property transfer tax 3.5%, land register 1.1%, agent commission up to 3% plus VAT, notary and loan registration fees. These must come from equity.
Questions we get asked.
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