{"id":9789,"date":"2022-01-21T16:39:37","date_gmt":"2022-01-21T14:39:37","guid":{"rendered":"https:\/\/www.b-quadrat.at\/services\/credit-broker\/own-funds\/"},"modified":"2026-08-20T10:44:40","modified_gmt":"2026-08-20T08:44:40","slug":"own-funds","status":"publish","type":"page","link":"https:\/\/www.b-quadrat.at\/en\/services\/credit-broker\/own-funds\/","title":{"rendered":"Own funds"},"content":{"rendered":"[vc_row][vc_column][vc_column_text]\n<h1><strong><span style=\"font-family: verdana, geneva, sans-serif;\">How much of your own funds do you need for a home loan?<\/span><\/strong><\/h1>\n[\/vc_column_text][vc_column_text]\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">When buying a property or building a house, you should be able to finance a certain portion yourself. This is what is known as your own funds. <\/span><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8221;8943&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][vc_column_text]\n<h2><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Why Equity?<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_column_text]\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Those who contribute their own funds when purchasing real estate enjoy many benefits, because equity is the foundation of any favorable home financing arrangement. It reduces the loan amount and, consequently, the monthly payment. In addition, having more equity allows you to secure lower interest rates and generally better financing terms, since you represent a lower financing risk to the bank.    <\/span><\/p>\n[\/vc_column_text][vc_empty_space][\/vc_column][\/vc_row][vc_row bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#000f8a&#8221;][vc_column][vc_column_text]\n<p style=\"text-align: center;\"><strong><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt; color: #ffffff;\">Keep a portion of your savings in reserve for unexpected expenses<\/span><\/strong><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][vc_column_text]\n<h2><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>How much equity?<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_column_text]\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">As a rule of thumb, you can assume that the bank will finance up to 90% of the property\u2019s value or the purchase price. This means that you should have at least 10% plus the ancillary costs (real estate transfer tax, registration of ownership in the land registry, real estate agent, contract drafter, notary, lien registration fee, etc.) in the form of your own funds. Incidentally, these incidental costs range from 9% to 14%, depending on the case. Furnishings and other items that the bank does not consider to add value are also not included in the loan and must be covered with your own funds.     <\/span><\/p>\n[\/vc_column_text][vc_empty_space][\/vc_column][\/vc_row][vc_row bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#000f8a&#8221;][vc_column][vc_column_text]\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Don&#8217;t have enough funds? Talk to our loan specialists. We&#8217;ll find a solution.  <\/span><\/strong><\/span><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][vc_column_text]\n<h2><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>What are own funds?<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_column_text]\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Equity includes, for example, savings accumulated through home-equity savings plans, as well as all balances in savings accounts, securities, gold coins, and real estate holdings. Financial assistance from parents and relatives, as well as your cash reserves, also count as equity. You can also count the expected proceeds from the sale of your current home as equity.  <\/span><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#e0e0e0&#8243;][vc_column][vc_column_text]\n<h2><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Home loan calculator<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_column_text]<form method=\"get\" class=\"postvalueHome\" enctype=\"multipart\/form-data\" name=\"postvalueHome\" id=\"postvalueHome\" action=\"https:\/\/www.b-quadrat.at\/leistungen\/kreditmakler\/wohnkredit-rechner\" onsubmit = \"return validate();\">\r\n\t<div class=\"row\">\r\n\t\t<div class=\"col-lg-3 col-md-3 col-sm-12 sdfsd\">\r\n\t\t\t<label>Vorhabenskosten<\/label>\r\n\t\t\t<div class=\"input-group\">\r\n  <input type=\"text\" class=\"form-control currancystyle\"  name=\"projectcost22\" id=\"projectcost22\" data-id=\"projectcost22\"   value=\"\"  onClick=\"this.select();\"  > \r\n  <span class=\"input-group-text\">\u20ac<\/span>\r\n<\/div>\r\n<small id=\"idprojectcost\"><\/small>\r\n\t\t<\/div>\r\n\t\t<div class=\"col-lg-3 col-md-3 col-sm-12 sdfsd\">\r\n\t\t\t<label id=\"equity\">Eigenmittel<\/label>\r\n\t\t\t<div class=\"input-group\">\r\n  <input type=\"text\" class=\"form-control currancystyle\"  name=\"equityval\" id=\"equityval\" data-id=\"equityval\" value=\"\" onClick=\"this.select();\" >\r\n  <span class=\"input-group-text\">\u20ac<\/span>\r\n<\/div>\r\n<small id=\"idequity\"><\/small>\r\n\t\t<\/div>\r\n\t\t<div class=\"col-lg-3 col-md-3 col-sm-12 toppading\">\r\n\t\t\t<label>Laufzeit in Jahren<\/label>\r\n\t\t\t<div class=\"input-group\">\r\n  <input type=\"text\" class=\"form-control\" id=\"myRange2\"  name=\"term_in_years\" min=\"5\" max=\"35\" data-id=\"myRange2\"   style=\"text-align: right;\" onClick=\"this.select();\" >\r\n  <span class=\"errorjahrey\"><\/span>\r\n<\/div>\r\n<small id=\"idmyRange2\"><\/small>\r\n\t\t<\/div>\r\n\t\t<div class=\"col-lg-3 col-md-3 col-sm-12\" style=\"display:none\">\r\n\t\t\t<label>Ihr Finanzierungsbetrag<\/label>\r\n\t\t\t<div class=\"input-group\">\r\n  <input type=\"text\" class=\"form-control currancystyle\" name=\"yourfundingamount22\" id=\"yourfundingamount22\" data-id=\"yourfundingamount22\" readonly=\"\" onClick=\"this.select();\" value=\"\"\t>\r\n  <span class=\"input-group-text\">\u20ac<\/span>\r\n<\/div>\r\n<small id=\"idyourfundingamount\"><\/small>\r\n\t\t<\/div>\r\n\t\t<div class=\"col-lg-3 col-md-3 col-sm-12\">\r\n\t\t\t<button type=\"submit\" id=\"submitbutton\" class=\"btn btn-primary\" style=\"margin: 20px 0px; width: 100%; background-color: #000F8A; border-color: #000F8A\">Jetzt vergleichen<\/button>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/form><style> #submitbutton:focus { outline: 0;box-shadow:none;} @media only screen and (max-width: 768px) { .toppading{ padding-top: 5px;} .sdfsd{ padding-bottom: 5px; } } <\/style><script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/jquery.mask\/1.13.4\/jquery.mask.min.js\"><\/script>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][vc_column_text]\n<h2><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Financing Without Equity?<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_column_text]\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">The basic requirement for financing without a down payment is a steady and reliable income. It\u2019s best to discuss the remaining requirements directly with one of our financing professionals.   <\/span><\/p>\n[\/vc_column_text][vc_empty_space][\/vc_column][\/vc_row][vc_row bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#000f8a&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]\n<p style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Take advantage of the expertise of the B-Quadrat loan brokers<\/span><\/strong><\/span><\/p>\n[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_btn title=&#8221;Schedule an appointment&#8221; color=&#8221;white&#8221; align=&#8221;center&#8221; link=&#8221;url:https%3A%2F%2Fbook.timify.com%2Fservices%3FaccountId%3D5dd58034ea99b411773abb33%26hideCloseButton%3Dtrue|title:Schedule%20an%20appointment|target:_blank|&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][vc_column_text]\n<h2><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Can I supplement my equity with my own contributions?<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_column_text]\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">If you don\u2019t have much of your own money to contribute, you might be good with your hands\u2014which can work in your favor: Painting, wallpapering, and tiling are ideal for DIYers! If you contribute part of the construction costs yourself, this personal contribution can sometimes help you secure more favorable loan terms. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>Here&#8217;s how it works:<\/strong> Draw up a cost breakdown for the work you plan to do yourself\u2014and our loan experts will negotiate your &#8220;sweat equity&#8221; mortgage.<\/span><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] How much of your own funds do you need for a home loan? [\/vc_column_text][vc_column_text] When buying a property or building a house, you should be able to finance a certain portion yourself. This is what is known as your own funds. [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_single_image image=&#8221;8943&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][vc_column_text] Why<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":9340,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-FullWidth.php","meta":{"_monsterinsights_skip_tracking":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-9789","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Equity for Home Financing | B-Quadrat Credit Broker<\/title>\n<meta name=\"description\" content=\"How much of your own funds are required for a home loan, what counts as equity, and can you get a loan without it?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.b-quadrat.at\/en\/services\/credit-broker\/own-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Own funds\" \/>\n<meta property=\"og:description\" content=\"How much of your own funds are required for a home loan, what counts as equity, and can you get a loan without it?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.b-quadrat.at\/en\/services\/credit-broker\/own-funds\/\" \/>\n<meta property=\"og:site_name\" content=\"B-Quadrat | Versicherungsmakler. 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F\u00fcr unsere Dienstleistung (unabh\u00e4ngige Grenzg\u00e4ngerberatung \/ unabh\u00e4ngige Grenzg\u00e4ngerauskunft) entstehen Ihnen keinerlei Kosten, da wir aufgrund der Unterst\u00fctzung unserer Partner in der Lage sind eine kostenlose Beratung anzubieten. Sie finden uns in Dornbirn, dem Herzen von Vorarlberg, welches von \u00fcberall aus Vorarlberg, aber auch aus der Schweiz, dem Liechtenstein und aus Deutschland sehr gut zu erreichen ist. Vereinbaren Sie einen Termin, schreiben Sie uns eine E-Mail oder rufen Sie uns an und profitieren Sie von unserer Kompetenz in Versicherungs- und Grenzg\u00e4ngerangelegenheiten. Wir freuen uns auf Sie und Ihre Fragen! Unabh\u00e4ngig, kompetent und engagiert! Herzlichst Ihr Martin H\u00e4usler","email":"office@b-quadrat.at","telephone":"+43 5572 398770","legalName":"B-Quadrat Finanzberatungs GmbH","foundingDate":"2003-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1","maxValue":"10"}}]}},"_links":{"self":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9789","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/comments?post=9789"}],"version-history":[{"count":3,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9789\/revisions"}],"predecessor-version":[{"id":9792,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9789\/revisions\/9792"}],"up":[{"embeddable":true,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9340"}],"wp:attachment":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/media?parent=9789"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}