A bridging loan is a mortgage

What does my loan cost? Overview of interest rates

When it comes to home buying, a detailed financial plan is the be-all and end-all. It doesn't matter where you take out the loan. We offer you an overview of the current lending rates of Austrian banks and building societies.

Before you arrange to meet for your first credit negotiation meeting, a few basic facts should be clarified. On the one hand, you should consider what type of loan you should consider: building society loan or bank loan. On the other hand, it must be clear to you what you can actually afford. It is important to take into account possible changes in the situation as precisely as possible. Otherwise there might be a rude awakening at some point. You should also be as prepared as possible for the loan interview.

Tip:

Calculate your total financing costs here.

The main credit institutions and interest rates

To make the first steps easier for you, we asked the major banks and building societies in Austria and researched the interest rate, fees and conditions. All information is provided without guarantee and without any claim to completeness. As of 2019.

Bank

Conditions

running time

interest rate

fees

Machining
fee (BG)
Land register
fee (GB)

BAWAG P.S.K.

Housing loan

loan

(Variable)

up to 40
Years
from 1.125%
variable
from 1% BG
1.2% GB
 Housing loan
with mortgage (fix)
up to 40
Years
from 1.625%
fixed for 6 years
from 1% BG
1.2% GB
 Housing loan
with mortgage (fix)
up to 40
Years
from 2,000%
fixed for 10 years
from 1% BG
1.2% GB
 Housing loan
with mortgage (fix)
up to 40
Years
from 2.250%
fixed for 15 years
from 1% BG
1.2% GB
Bank
Austria
Top Euro Loansuntil 30
Years
from 1%from 1% BG
1.2% GB
 Home loanuntil 20
Years
from 2.25%from 1% BG
Raiffeisen Landesbank, Lower Austria and ViennaMortgage loan
 
 from 1.125 variable (nominal) 
 Home loanuntil 10
Years
1.875% fixed (nominal) 
First BankHome loanuntil 30
Years
2,4 %
variable
1.5% BG (already
included in the rate),
1.2% GB
 home loan savingsuntil 30
Years
2,16 %2.75% BG
account management
12 € per year
1.2% GB
HYPO NOEHome loan25
Years
1% per year
FIX for 5 years,
after that
1.375% per
year
variable
for 20 years
2% BG
Bausparkasse WüstenrotMy home loan | 20J fix20 to 35 yearsfrom 1.6% fixed
for 20 years
from 1.5% BG,
1.44% GB
 My home loan | 10J fix10 to 35 yearsfrom 1.25% fixed for 10 years
 
from 1.5% BG,
1.44% GB
 My home loan | Flexible5 to 35 yearsvariable from 0.61%

from 1.5% BG,
1.44% GB

 ImmoFlexKredit20 to 35 years

from 1.6% fixed
for 20 years
for 50% of the
Loan amount

from 0.61%
variable for the remaining 50%
the loan amount
(Mixed interest rate:
from 1.10%)

from 1.5% BG,
1.44% GB

This list is for comparison purposes only and does not constitute advertising within the meaning of Section 5 VKrG and Section 6 HIKrG.