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Making bank offers comparable

Calculate a home loan in full.

Don't just compare the nominal rate: instalment, total repayment, effective rate, fees, fixed-rate period and early-repayment options belong together in one view.

New · Current conditions

Financing check: what does my equity cover?

Rates kept current automatically

Income and collateral value are optional and only serve to calculate two orientation ratios.

Enter the figures from a concrete bank offer. Repeat the calculation for each offer and compare the total costs.

Comparison checklist

Record these details per bank

  • Effective annual rate and nominal interest rate
  • Fixed-rate period or variable reference plus margin
  • One-off and recurring fees
  • Early-repayment rights and possible compensation charges
  • Required collateral and insurance
  • Total repayment according to the offer

Austria · as of August 2026

Benchmarks, not an automatic approval

The KIM-V (Austrian mortgage lending regulation) expired on 30 June 2025. The current FMA circular still uses 90 % loan-to-value ratio, 40 % debt-service ratio and a 35-year term as benchmarks for sound residential mortgage lending. Banks may deviate within their own lending standards.

The calculator does not check creditworthiness, household budget, legal situation, subsidies or bank-internal criteria. No credit, legal or investment advice.

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