ECB deposit facility rate
2.50%
Euro-area policy rate; not a mortgage offer.
Effective 16 Sep 2026Source: ECB
DACH Mortgage Rates
Current market context and approximate bank-rate guidance for Austria, Germany and Switzerland
Select Country
Select Country
Rates and banks are shown based on selected country
Market data checked:
Sources were checked again on this date. Each card shows its own reference period; these are not live or binding bank offers.
Current mortgage-market snapshot
The latest published, transparently sourced market snapshot for the selected country.
Volume-weighted average rates for newly issued housing loans in Austria.
Reporting month July 2026Source: OeNB
Variable
3.44%
Fixed
3.60%
Official market indicators
Latest published central-bank data. These are not bank offers; they provide market context only.
Austria: new housing loans
3.44% / 3.60%
Volume-weighted average: variable / fixed.
OeNB, July 2026Source: OeNB
SNB policy rate
0.00%
Swiss policy rate; not a mortgage offer.
Checked 21 Sep 2026Source: SNB
Approximate bank starting rates
Market basis checked:
🇦🇹
Approximate Bank Rates
Austria • EUR
Hypo Tirol Bank
Variable Rate
Rate
3.42%
Type
Variable
Term
10-30 years
Market basis checked: 9/22/2026
Volksbank
Variable Rate
Rate
3.48%
Type
Variable
Term
10-30 years
Market basis checked: 9/22/2026
Easybank
Variable Rate
Rate
3.50%
Type
Variable
Term
10-30 years
Market basis checked: 9/22/2026
Hypo Tirol Bank
Fixzins 10 Jahre
Rate
3.52%
Type
Fixed
Term
10 years
Market basis checked: 9/22/2026
BAWAG P.S.K.
Fixzins 10 Jahre
Rate
3.59%
Type
Fixed
Term
10 years
Market basis checked: 9/22/2026
Easybank
Fixzins 10 Jahre
Rate
3.60%
Type
Fixed
Term
10 years
Market basis checked: 9/22/2026
Erste Bank
Fixzinskredit 10 Jahre
Rate
3.62%
Type
Fixed
Term
10 years
Market basis checked: 9/22/2026
Raiffeisen Bank
Variabler Wohnkredit
3-Monats-EURIBOR + Aufschlag
Rate
3.63%
Type
Variable
Term
10-30 years
Market basis checked: 9/22/2026
Volksbank
Fixzins 15 Jahre
Rate
3.65%
Type
Fixed
Term
15 years
Market basis checked: 9/22/2026
Bank99
Fixzins 15 Jahre
Rate
3.67%
Type
Fixed
Term
15 years
Market basis checked: 9/22/2026
Oberbank
Fixzinskredit 15 Jahre
Rate
3.68%
Type
Fixed
Term
15 years
Market basis checked: 9/22/2026
Erste Bank
Fixzinskredit 15 Jahre
Rate
3.74%
Type
Fixed
Term
15 years
Market basis checked: 9/22/2026
Raiffeisen Bank
Fixzinshypothek 10 Jahre
Rate
3.77%
Type
Fixed
Term
10 years
Market basis checked: 9/22/2026
Bank Austria
Fixzinskredit 20 Jahre
Rate
3.88%
Type
Fixed
Term
20 years
Market basis checked: 9/22/2026
Hypo Niederösterreich
Fixzins 20 Jahre
Rate
3.92%
Type
Fixed
Term
20 years
Market basis checked: 9/22/2026
| Compare | Product | Type | Action | |||
|---|---|---|---|---|---|---|
Variable Rate | 3.42% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Variable | 10-30 years | |||
Variable Rate | 3.48% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Variable | 10-30 years | |||
Variable Rate | 3.50% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Variable | 10-30 years | |||
Fixzins 10 Jahre | 3.52% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 10 years | |||
Fixzins 10 Jahre | 3.59% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 10 years | |||
Fixzins 10 Jahre | 3.60% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 10 years | |||
Fixzinskredit 10 Jahre | 3.62% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 10 years | |||
Variabler Wohnkredit 3-Monats-EURIBOR + Aufschlag | 3.63% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Variable | 10-30 years | |||
Fixzins 15 Jahre | 3.65% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 15 years | |||
Fixzins 15 Jahre | 3.67% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 15 years | |||
Fixzinskredit 15 Jahre | 3.68% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 15 years | |||
Fixzinskredit 15 Jahre | 3.74% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 15 years | |||
Fixzinshypothek 10 Jahre | 3.77% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 10 years | |||
Fixzinskredit 20 Jahre | 3.88% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 20 years | |||
Fixzins 20 Jahre | 3.92% Approximate starting rate derived from current market data and public lender examples. Not a bank offer. Market basis checked: 9/22/2026 | Fixed | 20 years |
15 rates shown
📊 Methodology
The rates for Austria are estimates based on the current country and term curve plus public lender examples. They show approximate differences between lenders; final terms depend on your circumstances.
🔗 Sources
Each row links to the lender’s product or information page. Where no fixed rate is published, the figure is a market-based estimate.
Data as of: 22/09/2026
⚠️ Disclaimer
Mortgage rates shown here are for information only. WelcherKredit is an information platform and provides neither loans nor personal financial advice. Verify final terms directly with the lender; rates may change and may not include every fee.