Austria mortgage affordability calculator 2026
Enter your net income, existing commitments and property value to see the maximum mortgage under the FMA recommendation.
Maximum loan amount: €222,418.40
Maximum monthly payment: €1,000.00
| Limiting factor | |
|---|---|
| DSTI (payment / income) | €222,418.40 |
| Maximum loan amount | €222,418.40 |
This calculation is indicative and based on the non-binding FMA WIK-Rundschreiben recommendation in force since 1 July 2025. It doesn't account for banks' internal stress buffer on variable-rate loans.
How the FMA recommends calculating the maximum mortgage
Since the KIM-Verordnung expired (30 June 2025), the FMA WIK-Rundschreiben (in force since 1 July 2025) applies as a NON-BINDING recommendation with the same three limits: total loan payments at most 40% of net income, LTV at most 90% of property value, maximum term 35 years.
Since it's a recommendation rather than a law, individual banks may deviate based on their own risk management — in practice, though, most follow it.
Austrian banks internally add their own buffer (typically around 3 percentage points) for variable-rate loans to test resilience to rate increases — this calculator doesn't account for that in v1.
Examples: net monthly income → max. loan (single, no commitments, 30 years)
| Net monthly income | Max. loan amount |
|---|---|
| €1,500.00 | €133,451.04 |
| €2,000.00 | €177,934.72 |
| €2,500.00 | €222,418.40 |
| €3,000.00 | €266,902.08 |
| €4,000.00 | €355,869.45 |
| €6,000.00 | €533,804.17 |
Frequently asked questions
Does the KIM-Verordnung still apply in Austria?
No, it ended on 30 June 2025. Since 1 July 2025 the FMA WIK-Rundschreiben applies with the same limits, but as a non-binding recommendation.
How much of a deposit do I need?
90% LTV means at least 10% of property value; in practice banks recommend around 20% including additional costs.
Why is the FMA recommendation non-binding?
It's a guideline, not a law — banks can deviate based on their own risk assessment.
Does the calculator include a stress test?
No, the FMA doesn't prescribe an exact buffer. Banks internally add their own buffer (typically around 3 percentage points) for variable-rate loans.
What does the 35-year maximum term mean?
The FMA recommends paying off the mortgage within 35 years, ideally before retirement — the calculator applies this limit automatically.
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Last updated: 18 July 2026