Mortgage rates in different countries

599 views · Updated on 23 December 2016

	Can foreign citizens obtain mortgages?	Rate, % per annum	Term, years	Minimum loan amount	Maximum loan amount, % of property value
Austria	Yes	2.0–3.5	Up to 25	—	60
Belgium	Yes	2.5-3.5	Up to 30	—	80
Bulgaria	Yes	8.5-9.5	5-20	EUR 3,000 – 5,000	60-70
UK	Yes	4.0-5.0	2-5	GBP 500,000	50
Hungary	Yes	5.5-7.0	Up to 30	HUF 1,000,000	50 (75 for citizens of the EU)
Vietnam	No	—	—	—	—
Germany	Yes	1.5–2.0	5-30	EUR 50,000 – 100,000	60
Greece	Yes	3.5–7.2	6–30	EUR 20,000	90
Egypt	No	—	—	—	—
Israel	Yes	3.0-3.5	Up to 30	—	50
Spain	Yes	From 2.5	Up to 30	EUR 50,000 – 100,000	70
Italy	Yes	3.5	5-20	EUR 40,000 – 50,000	80–85
Cyprus	Yes	4.7-5.0	10-40	EUR 75,000	50-60
Latvia	Yes	4.8-6.0	2–20	EUR 50,000	65-70
Monaco	Yes	2.3-3.2	3-20	EUR 1,000	50-100
UAE	Yes, restrictions may apply*	From 5.0	Up to 25	AED 1,000	50-75
Portugal	Yes	2.5-4.0	Up to 35	—	50-60
USA	Yes	3.0-6.0	5-30	USD 100,000	70
Thailand	Yes, restrictions may apply**	8.7-9.0	1-10	THB 1,000,000	50
Turkey	Yes	6.0-9.0	Up to 15	—	50-60
Finland	Yes	1.0-2.0	Up to 35	—	75
France	Yes	1.0-2.3	5-25	EUR 75,000	60
Croatia	Yes, restrictions may apply***	4.5-5.7	3-30	EUR 5,000	35–50
Montenegro	Yes, restrictions may apply***	4.0-5.0	1-20	EUR 10,000	50
Czech Republic	Yes	2.5-2.8	Up to 20	—	60
Switzerland	Yes	1.0-1.7	Up to 10	CHF 500,000	80

* Non-residents can only obtain mortgages with certain banks

** Bank mortgages are not available to non-residents. Buyers without Thai residency permits or Thai spouses can obtain loans from the MBK Group.

*** Only residents working and receiving income in the country can obtain mortgages there.

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