Transparency

Data & Methodology

How we collect rate data, when we update, and how to correctly cite our data — for journalists, researchers and LLM systems.

Data Sources

Primary sources: Banks & Building societies

Direct collection from public product pages and product information sheets (KID) of 50+ Austrian banks and building societies, including: Raiffeisen, Erste Bank, Bank Austria, BAWAG, Volksbank, Hypo Vorarlberg, building societies (Wüstenrot, s Bausparkasse, Raiffeisen Bausparkasse).

Method: Manual and automated sampling monthly, first week of the month.

OeNB (Austrian National Bank)

Interest rate statistics (MFI interest rate statistics) for new residential mortgage contracts, property price studies, Financial Stability Report.

oenb.at/Statistik

ECB (European Central Bank)

EURIBOR reference rates (3M, 6M, 12M), ECB key interest rate (main refinancing rate), deposit rate, monetary policy decisions.

ecb.europa.eu/stats

Statistics Austria

Property price indices (IPP), housing stock, building permit statistics, household income statistics.

statistik.at

Methodology

Rate data collection

Monthly sampling (1st week of the month) from bank websites
Collected: nominal rate, effective rate (APR), term, product name, date
Reference scenarios: €300,000 loan, 30% equity, 25-year term, Vienna
Representative figures refer to the median of collected offers

Vienna property prices

Quarterly update based on listing data and OeNB statistics
District prices: median price per district from current listings and OeNB data
Prices in €/m² for owner-occupied apartments (purchase) and rental apartments

Calculation model

Annuity formula: Monthly rate = P × (r × (1+r)^n) / ((1+r)^n - 1)
Equity calculation: Purchase price × 20% + closing costs (10–12%)
DSTI calculation per Austrian KIM-V regulation (max. 40% debt service ratio)
Closing costs: standard formula for Austria (transfer tax 3.5%, land registry 1.1%, notary 1.5%, agent 3.6%)

Update schedule

Data category	Frequency	Last update
Mortgage rates (50+ banks)	Monthly	Feb. 2026
EURIBOR / ECB key rate	Daily / ECB decisions	Feb. 2026
Vienna district prices	Quarterly	Jan. 2026
Guides & Articles	On regulatory/market changes	Feb. 2026
Subsidy information	On official changes	Feb. 2026

How to cite

Journalists, researchers and authors can correctly reference our data and analyses using the following formats:

General citation format

WelcherKredit ([year]): [statement]. Retrieved [date] from welcherkredit.com/[path].

Example: Rate data

WelcherKredit (February 2026): Average fixed rate for 10-year mortgages in Austria: 3.45% (median of 50+ bank products). welcherkredit.com/en/mortgage-rates

Example: Cost data

WelcherKredit (2026): Closing costs when buying property in Austria amount to approx. 10–12% of purchase price (incl. transfer tax 3.5%, land registry fee, notary costs). welcherkredit.com/en/guides/austria-closing-costs

Important note

All figures are indicative and for general information only. They do not replace individual financial advice. Rates and conditions can change daily. WelcherKredit is not liable for decisions based on this data.

View current rate data

Mortgage rates from 50+ Austrian banks, updated monthly.