The acquisition of capital assets (properties, buildings, production systems, etc.) requires optimally coordinated long-term financing. The investment loan from Bank Austria provides you with the necessary capital at optimal terms.
The mortgage loan is a long-term financing solution for the financing of property purchases and construction projects and can be tailored to meet your individual needs.
The loan is repaid in capital instalments (which include no interest repayment, interest must be repaid separately) or lump instalments (including capital and interest repayment). A repayment free period can also be agreed if desired. This means that the investment does not yet effect the liquidity of your company, as no capital or interest payments are due in this period.
A variable interest rate, an index-tied variant or a fixed interest rate can be agreed for your investment loan from Bank Austria depending on your preferences and needs. You can also arrange an investment loan in euro that can be used under certain conditions in part or whole in the most common foreign currencies (USD, CHF, JPY). The debit interest rate is variable in this case, which means that it is adapted to changing reference rates (inter-bank rates, LIBOR rates, etc.).
Investment loan with interest cap
The purchase of a cap as part of a financing product allows you to protect yourself against rising interest rates, while at the same time allowing you to profit from falling rates. The cap interest rate, the upper reference rate limit for the calculation of a variable interest rate, is agreed when the contract is concluded. This form of interest rate hedging requires the payment of a premium when the credit contract is concluded; this premium varies depending on the term and amount of the credit facility and the agreed interest rate cap (in German).
The mortgage loan from Bank Austria is the optimal solution for property purchases and construction projects. Collateral for the loan amount is provided by entering loan repayment obligation in the land register. The loan is repaid in monthly instalments.