Regulatory Alerts2024-06-26
Regulation on Real Estate Financing Measures in Credit Institutions (KIM-V)
The Financial Market Authority of Austria issued this regulation to limit systemic risk in private residential real estate financing by imposing upper limits on the loan-to-collateral ratio, debt service-to-income ratio, and loan maturity. The rules apply to credit institutions operating in Austria and define specific calculation methodologies for these metrics while establishing de minimis thresholds and exemption buckets for certain exposures. The regulation came into force in 2024 and was repealed effective July 1, 2025.
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