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

The overview covers 43 indicative product rows from 29 lenders in Austria, Germany and Switzerland. Values are derived from current country and term curves plus publicly available lender examples.

Method: Manual point-in-time market check. The table shows approximate starting rates, not lender-supplied or binding offers.

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

Current country and term curves form the base; public lender examples are used as anchors
Where no fixed rate is published, a lender-specific market spread is applied as an estimate
Values show approximate lender differences; credit profile, LTV, term and collateral change the personal offer
No live feed or guaranteed monthly schedule; each entry shows the market-check date

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 scenario using 40% as an FMA supervisory benchmark; not a statutory limit for every individual loan since KIM-V expired
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 (43 estimates / 29 lenders)	Point-in-time	22 Sep 2026
EURIBOR / ECB key rate	On documented verification	16 Sep 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 (22 September 2026): market-based mortgage-rate guidance for 43 product rows from 29 lenders in Austria, Germany and Switzerland; not personal lender offers. 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-overview

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

Market-based guidance for 43 product rows from 29 lenders; not live offers.