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Austria Published Loan Rates
KIM-V rules cap debt service and LTV for many borrowers.
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Lowest Published APR
3.65%
Best rate benchmark currently on record
Market Average APR
5.08%
Mean across tracked lending products
Available Products
2 Benchmarks
Fixed, variable & personal credit
Statutory System
Hypothekarkredit with fixed or variable rate
Verified statutory framework
Austria Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
|
Austria 25-Year Fixed Hypothekarkredit
|
🏠 Mortgage | 25 Years (300 mo) | 3.65% | fixed | Active Benchmark | Calculate → |
|
Austria Konsumkredit Durchschnitt
|
👤 Personal Loan | 5 Years (60 mo) | 6.50% | fixed | Active Benchmark | Calculate → |
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Austria Underwriting Guidelines
Statutory Borrowing Rule
KIM-VO: max 80% LTV, max 40% DSTI debt-service ratio, max 35-year maturity
Mortgage System
Hypothekarkredit with fixed or variable rate
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference