Our Editorial Approach
Learn why welcherkredit.com was created, how our content is prepared, and which editorial principles guide us.
Last updated: September 2026
Our Mission
welcherkredit.com is an independent information platform. We share personal experience and explain publicly available information about mortgages, purchase costs, and subsidies in plain language. Our free content is not a substitute for individual financial, legal, or tax advice.
Who we are
WelcherKredit Redaktion
Independent information platform
Our content combines personal experience with traceable primary sources such as the FMA, OeNB, ministries, and legislation. We explain, show calculations, and link sources without presenting ourselves as financial advisers or certified experts.
Topics
How our content is created
1. Research & Source Verification
Every guide is based on primary legal sources (RIS.bka.gv.at, bmf.gv.at, justiz.gv.at), current bank products, and official OeNB data. We reference verifiable sources and cite effective dates.
2. Content Creation
Content is written with real Austrian figures and concrete worked examples. Tables, scenarios, and calculation steps are standard practice.
3. Fact-checking & Transparency
Key claims are checked against official primary sources. We show sources, effective dates, assumptions, and uncertainties, and correct errors transparently.
4. Continuous Updates
Interest rates, legal limits, and subsidy conditions change. We update our content as soon as material changes occur — documented in the updatedAt date of each guide.
Our editorial principles
Independence
We have no commission agreements with banks or brokers. Our guides are not paid for or influenced by advertising partners.
Transparency
Every guide shows effective dates, sources, and review dates. When data is estimated or typical, we explicitly flag it.
Up-to-date
Legal changes, new OeNB rate data, and changed subsidy conditions trigger updates — continuously, not just annually.
Quality over quantity
We prefer deep, reviewed guides over many shallow articles. Every published piece must provide real value.
Found an error? Have feedback?
We continuously update our content. If you find a factual error, outdated figures, or missing information, we welcome your feedback.
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