Strict rules fall
Easier access to credit: euphoria, but also concern
The expiry of the KIM regulation in mid-2025(as reported by the "Krone") will make it easier to obtain a home loan. Future house builders and the economy are pleased, but debt advisors warn that this could make real estate more expensive again.
Kronen Zeitung als bevorzugte Google-Quelle hinzufügen It's a cumbersome term: behind the Credit Institutions Real Estate Financing Measures Ordinance, or KIM Ordinance for short, are strict rules for the granting of home loans. Specifically: anyone who wants a loan must have at least 20 percent equity, the repayment installment may not exceed 40 percent of the household income and the loan may run for a maximum of 35 years. Rules that make the dream of home ownership impossible for many, but also prevent people from taking on unmanageably high levels of debt.
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