قانون جديد في النمسا بخصوص قروض البيوت

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يبدأ العمل انطلاقا من تاريخ 01 أغسطس 2022 العمل بقانون جديد يخص الحصول على القروض المتعلقة بشراء عقار في النمسا. و كان من المفترض أن يدخل هذا القانون حيز التنفيذ بداية شهر يوليو المنصرم لكن تم تأجيله لمدة شهر إضافي. وعلى مايبدو فالهدف من القانون الجديد هو تصعيب نوعا ما إمكانية الحصول على قرض خاص بالعقار.

حيث سيكون من اللازم على البنوك من الآن فصاعدا تطبيق معايير أكثر صرامة عند منح القروض. على سبيل المثال ، في المستقبل ، يجب إثبات 20٪ من سعر شراء العقار(بما في ذلك التكاليف الإضافية) في شكل رأس مال حقوق الملكية لشراء عقار. يعني يجب أن يكون لكل راغب في شراء عقار التوفر على 20 في المائة من القيمة الإجمالية للعقار.

بالإضافة إلى ذلك ، لا يجوز أن يتجاوز قسط القرض الشهري 20٪ من صافي دخل الأسرة الشهري المتاح. كما لا يجب أن تتجاوز مدة إرجاع القرض 35 سنة.

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