Global Property Market
Markets & Prices

Mortgage rates in different countries

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.

Tranio’s managers offer advice on buying real estate overseas
Svetlana Larionova
Svetlana Larionova
Real Estate Expert Tranio overseas
+44 20 3608 1267
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    • Mortgage rates from 1.5%