Your personal dream home. Especially whenever accurate long-term financial planning is very important, we can provide you with an individually tailored and flexible plan – thereby enabling you to enjoy your new home without a care in the world.

My data. Please complete the following boxes so that we can send you an offer tailored to your specific needs.

Borrower 1: Name

Customer number

Marital status

Single   Employer

Employed since

Resident in

Since

Married  

Divorced

Married  

Divorced

Dependent persons

Phone/mobile phone number

e-mail address

Borrower 2: Name

Customer number

Marital status

Single   Employer

Employed since

Resident in

Since

Dependent persons

e-mail address

As of March 2016

Phone/mobile phone number

Household budget. In order to ensure that everything goes according to plan, the first step is to compile a household budget. For this purpose, it is best that you choose an observation period of six months. We will also be pleased to help you draw up your own personal household budget. Please bring this calculation with you to your advisory talk.

Net monthly household income

Monthly household expenditure

Number of people living in the household, including children

Future rent/overheads

EUR 

Future energy costs

EUR 

Current telephone, mobile and Internet costs

EUR 

Future radio, television, cable costs

EUR 

Current insurance premiums and amount of savings

EUR 

Current cost of running your car(s)

EUR 

Average net monthly income (excl. Christmas and holiday bonuses)

Net income of partner

Average net monthly income (excl. Christmas and holiday bonuses)

Other income

Other regular income, e.g. income from second jobs, allowances or maintenance, if you are also likely to receive it during the term of the loan.

Total income

EUR 

EUR 

EUR 

EUR 

(electricity, heating, warm water)

Number of cars Current loan and lease payments

EUR 

Maintenance payments

EUR 

Cost of living

EUR 

Total household expenditure

EUR 

(e.g. loan, car leasing, guarantees)

(e.g. food, clothing, leisure activities, hobbies and other household expenses)

All checklists can be found online at: finanzierungen.bankaustria.at

As of March 2016

Monthly net income

Total costs of the home project. In order to calculate the costs of your home project it is important for you to know exactly how much the purchase or construction of your new home will cost, and how much of your own money you will need to contribute. This will then show the amount that still needs to be financed for your dream home.

Envisaged term of the loan

  Months

Project costs EUR 

Purchase price of the property (house, apartment, etc.)

Plot of land

+

EUR 

Development costs

+

EUR 

Construction and renovation costs

+

EUR 

Other (e.g. furnishings)

+

EUR 

Real estate transfer tax

+

EUR 

Registration of ownership title

+

EUR 

Notarial fees

+

EUR 

Estate agent fees

+

EUR 

Other

+

EUR 

Total

=

EUR 

Less own funds

–

EUR 

Less housing subsidies

–

EUR 

Borrowing requirement

=

EUR 

(based on cost estimate)

Incidental costs

(expect 12 to 15% of the purchase price)

(3.5% of purchase price)

(1.1% of purchase price)

(purchase contract)

(e.g. investments, insurance, existing property, repayment of cooperative housing share, etc.)

(Use the WohnbauförderungsRechner (housing subsidies calculator) at wohnbaufoerderung.bankaustria.at to help you make this calculation)

As of March 2016

All checklists can be found online at finanzierungen.bankaustria.at

Making your dream home a reality. Please provide us with the following documentation in good time before your advisory talk to help us give you the best ­possible advice.

 Official photo identity card For Austrian citizens: passport, personal ID card or driving licence For non-Austrian citizens: foreign passport Income documentation for employees:  Salary confirmation from employer This form can be obtained at every Bank Austria branch or downloaded from the Bank Austria website http://www.bankaustria.at/files/Bezugsbestaetigung.pdf or  Annual salary slip and wage/salary slips from the last six months  Current pension assessments or pension stubs  Account statements for at least the last six months if no account is held with Bank Austria

Income documentation for self-employed persons:  Balance sheets, income/expense statements and income tax assessment notice from the last three years  List of account balances  Current direct debit notice from the tax office  Current health insurance statements on paid contributions Own funds and existing liabilities:  Insurance policies  Account statements for savings accounts, securities ­portfolios (other bank)  Documentation on existing loans (other bank)

Please also refer to the reverse side!

Information in accordance with Section 10 (3) of the Austrian Mortgage and Property Lending Act: the loan cannot be granted by Bank Austria if the borrower does not submit the above-mentioned information or documentation and a creditworthiness check is therefore not possible.

As of March 2016

Information in accordance with Section 10 of the Austrian Mortgage and Property Lending Act (Hypothekar- und Immobilienkreditgesetz): to enable us to check your creditworthiness, you must provide us with the information and documentation shown here. They must be correct and complete. Thank you for your cooperation.

Specific documentation for your home project.

Purchase of building plot:   Purchase contract or draft purchase contract   Extract of the zoning map Construction of own house:  Approved application plans together with site plan  Building permit  Statement of construction costs or cost estimates

Extension or conversion:  Inventory plans (legible, incl. m²)  Approved application plans together with site plan  Building permit  Cost estimates Renovation:  Inventory plans (legible, incl. m²)  Statement of construction costs or cost estimates Plus if building permit is mandatory:  Approved application plans (legible, incl. m²) together with site plan  Building permit Purchase of own house:  Purchase contract or draft purchase contract  Approved application plans (legible, incl. m²) together with site plan Purchase of own apartment:  Purchase contract or draft purchase contract or entitlement contract  Plan of apartment (legible, incl.m²)  Appraisal report (if purchased from previous owner)

Information in accordance with Section 10 (3) of the Austrian Mortgage and Property Lending Act: the loan cannot be granted by Bank Austria if the borrower does not submit the above-mentioned information or documentation and a creditworthiness check is therefore not possible.

03.16/ST   As of March 2016

Details of the home project if available:  Estate agent’s report (contains site plan, ground plan incl. m², photos and precise details of the property)  Extracts from the Land Register  Photos of the home under construction or which already exists, or of the property  Purchase contract or draft purchase contract (this ­documentation is subject to a charge and must be submitted before the contract is signed), or preliminary contract  Statement of construction costs or cost estimates