About Us
This page is built by someone who is trying to buy a home in Vienna, to share real clarity and support others on the same journey.
Our modules
Mortgage Calculator
Estimate monthly payments, total cost and transaction fees.
Eligibility Check
See how your income compares to typical bank criteria.
Scenario Compare
Contrast rent vs buy and different loan terms quickly.
Payment Plan
Review the yearly and monthly repayment breakdown.
Vienna Prices
Explore district-level price and rent benchmarks.
Mortgage Rates
Track current Austrian mortgage rate trends.
Your Vienna mortgage and housing market companion
WelcherKredit combines mortgage analytics, neighbourhood insights and rent versus buy comparisons so you can take confident housing decisions in Vienna. We translate Austrian market data into clear guidance for international buyers.
Within a single interface you can compare monthly repayments, understand total borrowing costs and benchmark how much equity you need. Every calculator reflects current lending policies and average conditions across major Austrian banks.
Our trilingual experience makes it easy to share results with partners, family members or advisors. The loan eligibility check reviews your income profile against typical Austrian underwriting rules and highlights any potential bottlenecks before you speak to a bank.
We enrich the numbers with explanations, glossaries and actionable tips so that meetings with real estate agents, notaries and lenders feel straightforward. Whenever a new regulation or subsidy appears in Vienna, we update the content sections immediately.
What you will find inside WelcherKredit
- Detailed mortgage repayment forecasts including interest, amortisation and upfront costs
- District-level purchase prices, rental benchmarks and expected payback periods
- Scenario modelling tools to test future rate movements and affordability stress
- A readiness checklist covering eligibility score, documentation and budgeting steps
Frequently asked questions
- Which assumptions power the mortgage calculations?
- We combine the loan amount, interest rate and amortisation inputs you provide with Austrian lending policies around down payments, closing costs and maximum tenors to produce realistic repayment plans.
- Can I customise the rent versus buy comparison?
- Yes. Use the advanced settings to tweak rent escalation, property appreciation and alternative investment returns so the projection matches your personal outlook.
- Do you cover more than one language?
- The interface, explainer copy and downloadable results are available in Turkish, German and English to support mixed-language households and advisors.