Mortgage Interest Rate for Development 2019

Mortgage interest rate development 2019 | Does the interest increase? Thursday, January 03, 2019 By: Roel 6756 reads

How does mortgage interest develop in 2019? This is our prognosis based on developments in the market. Does the mortgage rate rise in 2019?

How does mortgage interest develop in 2019?

How does mortgage interest develop in 2019?

Mortgage interest rates are still historically low. This is partly due to interest rate policy of the European Central Bank (ECB). The development of the economy and ‘mood’ on the financial markets also affect interest rate developments. We discuss these factors and give our prognosis for the mortgage interest in 2019 .

Why is the mortgage interest rate low?

Due to the Euro crisis and the subsequent low economic growth, the ECB has taken far-reaching measures to stimulate the economy. The central bank has lowered the policy interest rates and bought up loans for billions of euros per month.

This ensures that there is a lot of ‘cheap money’ available to lend through mortgages, but also to borrow business loans and consumer money . Saving is unattractive because of a low savings rate . This should boost spending in the euro zone.

Incentive measures reduced

The economy in the Eurozone has now recovered in such a way that the European Central Bank has started to phase out the stimulus measures. From 2019 the buying program has stopped . This less accommodative monetary policy of the ECB makes room for an interest rate increase.

The buy-back program mainly affects capital market interest rates, which is another important indicator for long-term mortgage interest such as 20 years fixed interest .

Uncertainties in the market are depressing interest rates

The next step, raising the policy interest rates, is currently not on the agenda . The ECB indicates that it will maintain low interest rates until after the summer of 2019. The central bank sees the following risks:

  • The economy is growing, but less quickly. China is experiencing a slowdown in growth, among other things.
  • The outcome of the Brexit negotiations. Is there a hard Brexit or not?
  • The emerging protectionism, such as the trade war between the US and China.

The above uncertainties also cause caution on the financial markets. Investors exchange their more risky investments for bonds from economically stable countries such as Germany and the Netherlands. The supply of money on the capital market therefore remains large. Investors expect low remuneration and as a result capital market interest rates remain low, as can be seen in the graph below.

Mortgage interest rate development 2019 (our expectation)

Only when the uncertainties in the market disappear into the background, there is more room for an interest rate rise. Until then, mortgage interest rates remain at the current low level. You still have a chance to still record the low mortgage interest .

At the beginning of 2019, however, we see the uncertainty increasing. Capital market interest rates are at the lowest level since 2 years. This offers room for lenders to lower their mortgage interest rates. Ee

Due to the increased competition on the mortgage market, the margins have become smaller. Moving with the market is necessary for those who want to offer the lowest mortgage rates. Lenders adjust their rates quickly in response to changing market conditions.


The offer for loans with a low loan amount in Austria is relatively manageable. Especially small loan offers with loan amounts of 1000 Euro or less are only offered by a few providers. Here we would like to give an overview of small loan providers in Austria and current online loans.

Online loans in Austria – Small loans & mini credit providers

Compare Current Loan Rates – Free Loan Calculator

Where can I get a small loan € 1000 loan amount?

Where can I get a small loan € 1000 loan amount?

In our current overview of credit offers in Austria, there is unfortunately no small loan with a loan amount of 1000 €. One way to get a small loan with 1000 €, for example, is a loan from a mini loan. For example, if you are an existing customer at Cashper, you can borrow up to $ 1500. However, it should be noted that for new customers only up to 600 € loan amount can be included.

A possible alternative to obtain the required loan amount for your wishes is a collection overdraft, the pledging of objects (pawnshop), the sale of items (classifieds) or a small loan from acquaintances / relatives with a private loan agreement.

Small loan 1000 euro without schufa

In Austria, there are loans generally without Schufa query, as the Schufa is the credit information for Germany. Nevertheless, one should note that in Austria before a bank lending and a credit check is made, in the form of a KSV examination. With a negative KSV entry, it is usually very difficult in Austria to get a positive loan commitment.

Small loan 2000 euro

Small loan 2000 euro

Unfortunately, even with this loan amount, it hardly applies that providers in Austria provide a loan of this amount online. The provider of 2500 € loan offer comes closest to the SWK Bank fixed rate loan, this offers favorable interest rates (with appropriate credit rating). For example, the microcredit can be repaid with a maturity of 48 months, thereby offering a relatively low monthly loan repayment.

Small loan 600 euro without Schufa

As mentioned above, in Austria the credit check is not a test at the Schufa (Germany), but at the KSV. With a negative KSV entry it is difficult to get a loan. However, to easily obtain a loan, for example, a mini-credit can be availed. A 600 euro credit despite KSV entry can be applied for, for example, the mini-loan provider Cashper in Austria.

Small Credit Bank Austria

Small Credit Bank Austria

The online loan of Bank Austria offers a cheap microcredit from 3000 Euro loan amount. The instant instant online loan offers free special repayments (guaranteed at any time), guaranteed exemption from fees and any credit backdating insurance included. Bank Austria WunschKredit is possible from an effective interest rate of 3.10% and is thus among the cheapest offers for a microcredit in Austria.

Tips on borrowing at Bank Austria WunschKredit Online loan offer

  • > What funding do I really need?
    Depending on your wishes, it is important to think about the loan amount and the term in advance. In addition, additional costs should be considered. For example, a loan for renovations, relocations, new purchases of furniture or equipment makes sense to schedule a certain buffer for spontaneous acquisitions. Easily calculate several variants with different loan amounts and maturities to find the best loan offer for you.
  • > How much credit can I afford?
    The amount of the monthly loan installment should be chosen so that you can pay for it comfortably. In order to be able to make a clear decision here, a budget bill should be compared with all income and expenditure. Salary statements or tax equalization can serve as a basis here. The more extensive the documents (eg pay slips of the last 6 months), the easier it is possible to make a serious assessment of a possible loan installment.
  • > What does the loan cost? – Compare total costs
    In a credit comparison of multiple offers, it is important to note all one-off and running costs. Important here are, for example, effective lending rates, processing fees and account maintenance fees. With our free loan calculator, it is easy to compare a variety of online loan providers to find the best loan offer.
  • > Protection against risks
    Since there are potential risks in every life that can occur unexpectedly, it makes sense to inform yourself about a possible hedge against these risks before applying for a loan. Potential risks associated with an online loan may include, for example, parental leave, unemployment, disability or death. Let us advise you and let you calculate offers for appropriate credit insurance.

Small loan in 24 hours

Depending on the amount of the desired loan amount, there are banks in Austria that make a loan payment in 24 hours. For example, you can get a small loan in 24 hours from the Austrian Anadi Online Credit, Erste Bank Click Credit and the Santander Now Instant Credit. Another alternative for a low-priced micro-loan with quick processing is a Cashper mini-loan – With express money transfer, the money is particularly fast on the account.

Small loan with immediate payment

Small loan with immediate payment

With the large number of offers for financing in Austria, there is always a loan with immediate payment for your loan request. Nevertheless, one should take the time and compare offers of the house bank, credit intermediaries and online loans. In the case of an instant loan, an immediate commitment is usually made within a short time and the payment is made on the same day / within 24 hours. Even if you are in dire need of money, in some cases it is better to wait a bit and choose the cheapest loan offer, and not the one with the fastest processing / payout.

Small loan still on the account today

In order to receive cash today or to get paid out a loan, it is important to look for “Fast Loans”. Recommended for a loan in Austria with rapid payout here are, for example, the mini loan from Cashper, the Erste Bank click credit, the instant loan from Santander and the credit offer of Easybank.

With these providers, loan requests are processed and paid quickly. However, to find the best / cheapest provider for a microcredit you should additionally use the free loan calculator to find the cheapest online loan.

Apply for small loan online

The selection for small loans on the Internet is relatively extensive. In order to find the optimal loan offer or to be able to apply for a microcredit online, you should first inform yourself about the loan amount, term and conditions for the loan. Furthermore, you should have the necessary documents such as confirmation of identity (passport or driver’s license), pay slip / proof of salary / proof of income and other required documents ready so that the online loan application can be processed quickly.

The advantage of applying online for a small loan lies in the easy comparability of offers and interest rates, the usually faster processing and the variety of offers from which one can choose.

Some of the top offers for an online microcredit are currently the bank offer of Bank Austria, which advertise with a small loan with immediate promise, the ING installment loan without fees and additional costs, the Anadi Bank small loan with favorable loan rates from 2.8% and the click credit of the first Bank and savings bank with payout within 24 hours and online immediate result – These online loan providers should always take into account when making a credit comparison!

Small credit online Austria

To get an overview of possible credit sums with online credit providers in Austria, we list here the lowest loan amount of online credit providers in Austria:

  • Cashper mini loan – 100 €
  • Finance Cashpresso Credit / Purchase – From 20 €
  • Santander Consumer Bank Now Immediately Credit – 3000 €
  • Erste Bank Sparkasse Click Loan – 5000 €
  • Bank Austria WunschKredit – 3000 €
  • Austrian Anadi Bank Online Credit – 5000 €
  • Easybank Easy Credit – 4000 €
  • Raiffeisen Bank loan – 4000 €
  • BAWAG PSK Easy Online Loan – 4000 €
  • SWK Bank – 2500 €
  • ING DiBa credit – 5000 €

Small loan online immediately

Small loan online immediately

Before paying for “immediate” high fees for an express transfer or quick payout, you should make a comparison of instant loans. The optimal “online instant small loan” is the loan offer at Cashper, where you can borrow short term as a new customer 600 € mini loan – With very fast processing and payment are here 15, 30 or 60 days loans possible. A credit provider worth recommending is also the Bank Austria Wunschkredit with Sofortzusage / immediate decision.

Even when looking for “small loan online immediate payout” there are some online loan providers to recommend. Depending on the desired loan amount, Austrian Anadi Online Credit, Erste Bank Click Credit and Santander Now Instant Credit and Easybank Easy Credit are recommended.

Get small loan immediately paid out on the account

Get small loan immediately paid out on the account

At this point too, Cashper’s mini-loan, which has already been mentioned several times, is the ideal solution. However, depending on fees and lending rates, you should also compare it with other small loan offers. The problem “immediate cash on account” is solved by a possible express transfer at Cashper but in any case. The loan is ideal for a short-term solution to financial problems / small wishes. The cash advance with cashout at Cashper is a leader in mini-loan offerings in Austria and is ideal if you need quick cash.

Where can I get a microcredit immediately in Austria?

Where can I get a microcredit immediately in Austria?

Another way to get a small loan immediately is to apply for a microcredit immediately from private. In addition to the online loan offers and mini loans, you can also get a loan from private. For this you can borrow the required loan amount, for example, from relatives, friends or their family. Also the search in classifieds for a small credit immediately from private can be useful to find more offers. In any case, be sure to set up a private loan agreement and record in writing the loan amount, term, repayment, interest / conditions and other formalities.

Also, a small loan from private without Schufa information may be possible, if the respective private lender does not value it. This is possible, for example, if you personally know the lender or whom the loan can be secured by other collateral (eg pledgeable goods, salary, payslips, collateral such as car / real estate, …).