Mortgage Austria Requirements: Documents & Checklist 2026
Planning to buy property in Austria? Learn about mortgage requirements, the KIM-Verordnung, and the essential document checklist for expats in 2026.
Anyone looking to apply for a mortgage in Austria usually asks the same question: What requirements do I need to meet and which documents does the bank actually check?
The 3 Pillars of Every Property Loan in Austria
- Creditworthiness (Bonität)
- Equity (Eigenkapital)
- Property Value
Personal Requirements for an Expat Mortgage
Borrowers must be at least 18. EU citizens are usually financed without issues. The mortgage rate should be 35% to 40% of net income.
Equity: The Most Important Key Figure
Since the KIM-Verordnung, you should provide at least 20% of the purchase price as equity plus closing costs.
Our Rent vs. Buy Calculator helps you decide.
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