Property brokerage with a system.

In eight steps: clarify financing, check the property and documents, submit a written purchase offer, finalise the loan, sign the purchase contract with a notary or lawyer and an escrow account, obtain approval if you are a third-country buyer, take over the property and have your ownership entered in the land register. Without an approval requirement, it usually takes four to eight weeks from the accepted offer to the entry. How a property purchase works

Around 10% of the purchase price, around 11% with a loan. The biggest items: 3.5% property transfer tax, 1.1% land register entry, up to 3% broker commission plus 20% VAT, and about 1–3% for the contract and escrow. With a loan, 1.2% of the registered lien amount is added. Purchase costs

Banks often expect around 20% equity plus purchase costs of roughly 10%; the exact amount depends on the bank, your credit standing and the collateral. The Financial Market Authority's benchmark is at least 10% equity, an instalment of up to 40% of net income, and a term of at most 35 years. Property financing

Whether a foreign person needs approval depends on the federal state and on their personal status. In Vienna, EU and EEA nationals are in principle exempt from the approval requirement. Third-country nationals generally need approval – in Vienna from the MA 35, in Lower Austria from the state government; statutory exceptions and exceptions under international treaties must be checked case by case. Without approval, the contract does not take legal effect. Buying property as a foreigner

As a rule, 30% real estate gains tax on the profit. For properties bought before 1 April 2002, a flat 4.2% of the sale price – 6% for purchase contracts from 1 January 2027. The notary or lawyer calculates the tax and deducts it from the purchase price. How selling a property works

A flat bought for long-term letting, usually new from a developer. Landlords who let with VAT can reclaim the input VAT from the purchase price. For property, the input-tax deduction is subject to an adjustment period of 20 years. If the tax use changes during that time — for example because you move in yourself — the input tax is adjusted pro rata. There is no obligation to actually let the flat continuously for 20 years. Rental income and appreciation are not guaranteed – we calculate both with you before the purchase.