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.

 
 
Free advice on real estate overseas
Svetlana Larionova
Real Estate Expert Tranio overseas
+44 20 3608 1267
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