Tyrolean banks are calling for more property-KIM regulation expires!

Tyrolean banks are calling for more property-KIM regulation expires!

With the upcoming run-out of the KIM Ordinance on June 30, 2025, important changes for future living loans are emerging in Tyrol. The new chairman of the Bank and Insurance division in the Tyrolean Chamber of Commerce, Patrick Götz, and Governor Anton Mattle, demand more flexibility in lending in order to make it easier for young Tyrolians to access home ownership in particular. According to tirol.gv.at , the strict KIM regulation has a share of 20 percent and a maximum repayment rate of 40 percent of the net income prescribed, denied the dream of home.

The end of the KIM regulation-opportunities for buyers

In particular, the rising real estate prices in Tyrol make the current regulations a difficult to overcome. The leaf could turn the rigids of the rigids. tirolrealestate.com reports that credit institutions can decide on credit times, runtime and repayment modalities after the KIM regulation has expired. For example, financing with only 10 to 15 percent equity is possible, which is particularly important for young buyers and families.

Götz emphasizes that the demand for living financing in Tyrol is already increasing and that it is time to introduce financial simplifications for various models such as intermediate financing and family guarantees. Mattle adds that a relief of lending not only promotes individual purchases, but also relieved the tense rental market.

Tips for future lending

The persistently low failure rate for loans in Tyrol, which shows that the Tyroleans are responsible with their finances, gives rise to hope that the new regulations also promote responsible loan behavior. An Ö3 youth study that Mattle refers to shows that 86 percent of young people in Tyrol have the desire for property. These figures illustrate how important it is to improve the framework conditions for the acquisition of apartments.

Outlook for specific residential construction projects

Mattle also calls for concrete and affordable housing projects to address the needs of the Tyrolean population. A loss of the KIM regulation could not only make access to living financing easier, but also help to boost the construction and housing market in Tyrol. The governor and Götz agree: Here is a clear opportunity to enable many Tyroleans to make their own property and at the same time support the economic development in the region.

Overall, it is important to accompany this swing with a good hand in the implementation so that all Tyroleans get the chance of their dream house.