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    kredit123.at – Immobilienfinanzierung Österreich
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    Property Purchase Cost Calculator

    Calculate all closing costs when buying property in Austria – from land transfer tax to land registry and notary fees. Including §25a GGG exemption.

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    Incl. §25a GGG
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    Valid until 30 June 2026 for owner-occupied housing

    Legal Rates

    Property Tax3,5%
    Land Registry1,1%
    Pledge Entry1,2%
    §25a GGG Limit€ 500.000

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    What Are Property Closing Costs?

    When purchasing property in Austria, significant closing costs are incurred in addition to the purchase price. These can amount to between 10% and 12% of the purchase price depending on your situation. Our calculator helps you calculate these costs precisely and avoid unpleasant surprises.

    Property Transfer Tax

    Fixed at 3.5% of the purchase price. This tax is collected by the tax office and is mandatory for every property purchase.

    Land Registry Entry

    1.1% of the purchase price for registering ownership in the land registry. May be exempt under §25a GGG.

    Notary & Legal Costs

    Typically 1.5-2.5% of the purchase price for contract preparation and escrow handling.

    Broker Fee

    Typically 3.6% including VAT. Not applicable for private sales.

    Additional Costs with Credit Financing

    If you finance the property with a loan, additional fees apply:

    • Mortgage registration: 1.2% of the loan amount (exempt under §25a GGG)
    • Credit processing: Typically 0.8% of the loan amount
    • Valuation costs: Approx. 0.2% for the property appraisal

    Frequently Asked Questions

    Answers to frequently asked questions about closing costs in Austria.

    What are property closing costs?
    Property closing costs are all costs incurred in addition to the purchase price when acquiring real estate. These include property transfer tax, land registry entry, notary costs, broker fees and, in the case of credit financing, additional charges.
    How high are closing costs in Austria?
    In Austria, closing costs for property purchases typically range between 10% and 12% of the purchase price. With the §25a GGG exemption, these can be significantly lower.
    What does §25a GGG mean?
    §25a GGG regulates the temporary exemption from land registry fees (ownership and mortgage) when purchasing residential property. The exemption applies up to €500,000 and is valid until 30 June 2026.
    How much equity do I need for a property purchase?
    At least 20% equity of the purchase price plus full closing costs is recommended. With very good income (DSTI below 35%), financing with 10-20% equity is also possible. For a purchase price of €400,000, you should plan at least €80,000-120,000 plus closing costs.

    Plan closing costs transparently

    Our financing experts help you calculate all closing costs in advance – individually, free and non-binding.

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    Disclaimer: These calculations are for orientation only and do not constitute binding advice. Actual costs may vary. For binding information, please consult a notary or property expert. All information without guarantee.

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