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Consumer loans in Austria start at 5.47% effective annual rate (easybank, March 2026). The OeNB average is about 8%. Mortgage rates start around 2.80% (fixed rate, 10 years). This guide covers loan types, the application process, and common mistakes.
Loan Types
- Consumer loan (Ratenkredit): EUR 1,000 to 75,000. Fixed monthly payments over 1 to 10 years. From 5.47% effective.
- Mortgage (Hypothekarkredit): From EUR 25,000. Secured by property. From 2.80% fixed rate. Subject to KIM regulation (20% down payment, max 40% of net income for payments).
- Micro-loan (Minikredit): EUR 100 to 1,500. Disbursement within 24 hours. From 3.99% effective. For short-term needs.
- Credit line (Rahmenkredit): Flexible use. Pay interest only on amount used. From 6% effective.
Credit Score (KSV)
The KSV1870 RiskIndicator ranges from 100 to 699. Lower is better (opposite of German SCHUFA). Scores below 300 get the best rates. Above 500, most banks will reject your application. You can request a free annual credit report at digitalerantrag.ksv.at.
Disclaimer: General information only, not financial advice. Rates subject to change. Sources: OeNB, ECB, easybank.at. Last updated: March 2026.