As always at this time, the topic start of the new thread for 2022, as of December 27th, 2021.
Here to read the 2021 thread:
https://www.energiesparhaus.at/forum-aktuelle-aufschlaege-hypothekar-kredite-2021/60184
The range of possibilities should be shown. There will be outliers, no question, but they should not be listed here as a rule.
As usual, information is non-binding, as a concrete commitment can only be made after all documents and information relevant to submission have been viewed and approved by the financing bank.
Can be financed:
• New construction
• Debt restructuring
• Buying a house and/or apartment
• as well as remedial measures
The following top conditions outline the best case of two Austrian retail banks with a branch network for physical support through the credit phase for employed persons, provided that the 2 most important parameters are met:
• 100% Security (Loan to Value)
• the affordability of installments, ie the debt ratio, in short, DSTI. The leverage ratio will play a greater role in lending in the future.
Conditions:
Fixzinsen:
• 10J FIX: ab 0,625%
• 15J FIX: ab 0,875%
• 20J Fix: ab 1,125%
• 25J FIX: ab 1,250%
Variable connection interest rate: Surcharge from 0.75% on the 3-ME with passing on of the negative Euribor rate.
variable interest rate:
Surcharge from 0.75% on the 3ME. Due to the obligation to pass on the currently negative Euribor (0.5%, depending on rounding, as of December 27th, 2021), current borrowing rate: 0.250%.
When buying a house or condo or debt restructuring, the ING thread of my colleague LiConsult should also be mentioned here:
https://www.energiesparhaus.at/forum-ing-wohnkredit-2019/54203
General information about financing, loan calculator, FAQs on common questions such as explanations of definitions, securities, required documents, contact options, loan calculator and much more. will be on my home page
https://www.finanzierungsvermittlung.at/
summarized and explained.
Links for all important insurances related to building a house:
https://www.energiesparhaus.at/forum-versicherungen-und-absicherungen/43330
https://www.energiesparhaus.at/hausbau/finanzierung.htm
For reading in, online calculation of premiums and of course also in person:
https://www.generali.at/alexander.reinhardt/
With this in mind, again to a lively exchange here in the forum, good health and the best conditions for 2022!
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