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I’m deciding whether to buy a property near Vienna now with financing at 3.69%, or wait in the hope of a lower rate. The purchase price is €1,191,000, and I can manage the monthly cost today. My concern is that cheaper mortgages may bring buyers back before local inventory improves, pushing...

6.32% fixed for two years is the figure driving my decision on a Vienna purchase of about €561,200. It may still be competitive, but lender charges and the loan-to-value band mean I cannot judge it from the rate or initial monthly payment alone. For comparison, I am considering the full...