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.
Useful Tools for Your Financing
Related Articles
Immobilienkredit in Österreich für Deutsche: Ratgeber 2026
Immobilienkredit in Österreich für Deutsche: Was sich unterscheidet – und wie der Kauf als Deutscher in Österreich funktioniertJedes Jahr ziehen tause...
Read more
Mortgage After Divorce in Austria: Solo Financing & Tips for Expats
Mortgage after divorce in Austria: Solo financing, divorce home, and a fresh start. A divorce changes almost everything – including your financial standing when it comes to real estate. This guide helps expats navigate property and mortgage challenges after divorce in Austria, covering solo financing, property division, and securing an expat mortgage.
Read more
Property Loans for Pensioners in Austria: What's Possible – and What's Not
Property Loans for Pensioners in Austria: What's possible and what's not in retirement. Learn how to secure a mortgage in Austria as an expat, even in your golden years.
Read moreQuestions about your financing?
Our experts advise you personally and find the optimal solution for your property financing in Austria.