The dream of owning a home starts with the right financing. A mortgage is a long-term decision - with the right comparison, you can save thousands of euros in interest.
Financing Types
🏠
Property Loan
Classic loan for purchasing real estate
🏗️
Construction Financing
Financing for new builds and construction projects
🔧
Home Loan
For renovation, refurbishment and modernization
🔄
Refinancing
Replace existing loans with better terms
KIM-V Regulations since August 2022
⚠️ These rules apply to all new mortgages in Austria:
Min. 20%
Equity
Of the purchase price must be available as equity
Max. 40%
Debt Ratio
Of monthly payment to household net income
Max. 35 Years
Term
Maximum loan term for residential properties
Understanding Interest Rate Types
| Rate Type | Advantage | Disadvantage | Risk |
|---|---|---|---|
| Variable Rate | Often cheaper initially | Risk with rising rates | High |
| Fixed Rate | Planning security | Often higher initial rate | Low |
| Mixed Rate | Balance of both | More complex structure | Medium |
Required Documents
👤Personal Documents
- Valid ID (passport or ID card)
- Residence registration
- Income proof (last 3 payslips)
- Tax returns (for self-employed)
- Statement of existing liabilities
🏠Property Documents
- Purchase contract or offer
- Land register excerpt
- Building plans and permits
- Energy certificate
- Cost estimates (for construction/renovation)
Your Benefits with durchblicker
💰
Free & non-binding consultation
🔍
Comparison of 60+ providers
⚡
Fast processing of your inquiry
🎯
Optimal conditions for your situation
Compare Mortgages Now
Find the best financing for your home with durchblicker.at - free and non-binding.
Go to Loan ComparisonTerms depend on creditworthiness, income and collateral. As of: December 2025.