Property
Austria — Property: Mortgage Availability
The Austrian KIM regulation expired on 30 June 2025, but an FMA circular keeps guidelines of a 90% loan-to-value cap, a 40% net income debt service limit and a 35-year term.
VerifiedGovernment / official sourceFinancial Market Authority (FMA) — circular on responsible residential mortgage lending, June 2025Last reviewed: 2026-10-23
Why this matters
A relocating person should understand mortgage options to plan their housing costs and long-term financial strategy.
Key facts
- The KIM-Verordnung expired on 30 June 2025 when the financial stability committee chose not to extend it.
- The FMA published a circular on 26 June 2025 on responsible private residential mortgage lending that keeps the three basic rules: own funds (maximum 90% loan-to-value), a monthly instalment of at most 40% of net income, and a term limit of 35 years as a recommendation.
- The guidelines are not legally binding; sources disagree on whether the equity requirement is 10% or 20% plus costs, so check the FMA circular.
- A parliamentary motion in July 2025 asked for the KIM-Verordnung to be abolished permanently.
Steps
- Obtaining a mortgage in Austria as a foreigner — Research and approach local Austrian banks, which may have specific requirements and terms for non-EU citizens. Some international banks may also offer mortgage services in Austria.