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PROPERTY

Ten tips for finding an apartment in Austria

From where to search to what to watch out for, here are ten tips to be aware of when looking for a flat in Austria.

Ten tips for finding an apartment in Austria
Photo: DIETER NAGL / AFP

From cultural quirks to simply knowing where to look, there are several hurdles internationals face finding housing in Switzerland.

Here’s what you need to know. 

Work out where you want to live: Vienna

Vienna continues to be a massive drawcard for people from all over the world, even in the midst of a pandemic. 

So if Vienna is where you’re headed, it’s best to get an idea of what you need before you start your search. 

Vienna has 23 districts (Bezirke) each with its own characteristics, advantages and disadvantages. So whether you are looking for an elegant, central flat on a cobbled street, or a family home near vineyards and forests, there is something for you.

Check out our guide on the best places to live in Vienna. 

REVEALED: The best districts to live in Vienna

Be aware of Vienna’s social housing

Something quintessentially Viennese is the city’s extensive city-owned housing, which is widespread, top quality and very popular. 

There are around 220,000 city-owned flats in Vienna, which represents roughly 25 percent of the city’s housing stock. 

More information about Vienna’s municipal-owned housing is available at the following link. 

The Karl Marx Hof, a social housing project in Vienna. Photo: Joe Klamar/AFP
The Karl Marx Hof, a social housing project in Vienna. Photo: Joe Klamar/AFP

Work out where you want to live: Countryside 

One thing to remember is that Austria is relatively small. Moving to the country might really mean something for people from the United States or Australia, but in Austria, a major town is unlikely to be too far away. 

With Austria’s public transport networks and road infrastructure, a move away from urban areas might be just what the doctor (and accountant) ordered. 

But from dialect to carrying cash, a move to the country is not without its challenges – as we wrote in our following guide. 

READ MORE: Six things to expect when you move to the Austrian mountains

Search

There are a number of online platforms which list available apartments for rent and for purchase. 

These include (but are not limited to) Immoscout24 – which incorporates the ImmoDirekt and Immobilien sites – along with Bazar, Willhaben, Immowelt, Wohnnet, Flohmarkt, Housing Anywhere and Just Landed. 

Note: The Local Austria has not received a commission or any kinds of juicy kickbacks from these sites. 

Preparation

When going to a viewing, it makes sense to be prepared. 

If you like something, there’s a good chance that others will too, so make sure you have all your documents in order. 

It is not an uncommon sight to see people at house viewings with all of their application forms already completed to be handed straight to the agent. 

Renting versus buying: What should I do?

This isn’t Austria specific of course, but it is an important consideration. 

As we wrote about in our explainer on this topic, property ownership is very rare in Austria. 

READ MORE: Why do so few Austrians own their home?

This is however largely grounded in cultural and historical factors, so don’t rule out owning a flat from the get go. 

The eventual decision will obviously depend on your personal circumstances, but if you’re unsure, have a ready of the following guide to get an idea if renting or buying is for you. 

READ MORE: Is it better to buy or to rent property in Austria?

Know the lingo 

Of course, when looking for an apartment anywhere, it is helpful to speak the language of the place where the apartment is – so speaking German is a real Vorteil when it comes to flat hunting. 

Platforms and agencies which are targeted at expats and internationals are likely to be more costly than those targeted at locals, so getting a working command of German is important. 

In Vienna and Graz however – and maybe in a few larger towns – it will be possible to look for a flat in English. However, it’s still important to know some of the more important terms. 

Agents and sellers in Austria may speak English, but they will often use German nouns in an otherwise English conversation. 

Therefore, German words like Kaution will probably be used rather than bond or security deposit. 

Words without a real English equivalent like Altbau (pre-war building) or Neubau (new(er) building) will also be commonly used in English conversations. 

Then there’s the English words which have been repurposed into German and don’t really have the same meaning in English – but which German speakers will expect you to understand. 

The best example of this is ‘casting’. 

Right out of the same category as ‘Handy’, ‘Public-Viewing’ and ‘Beamer’, Casting is an English word which has taken on a different and somewhat odd use in German. While ‘casting’ in English means the process of auditioning for a part in a movie or play, ‘Casting’ in German is the process of interviewing a new flatmate.

We’ve prepared a glossary of the most commonly used words when renting a flat in Austria – so check it out. 

READ MORE: The words you need to know before renting a flat in Austria

Have a sizeable deposit at the ready

Even for a rental flat, a large deposit or Kaution will most likely be necessary.

This can be several months rent and up to €5,000, so be ready to pay through the teeth (and then some). 

Of course, a deposit for a home will be much higher. More info on that is available at the following link. 

READ MORE: Seven common mistakes to avoid when buying a home in Austria

A sign outside a house which says ‘sale pending’. Photo: AFP

Know your rights – and who is in your corner

From long notice periods upon the cancellation of a lease to being able to make significant changes to the flat – along with rare or non-existent inspections – tenants have strong rights in Austria. 

However, in many cases these rights are useless unless you know about them. In some cases, landlords are actually more willing to rent to foreigners because they do not know their own rights. 

So besides brushing up on Austrian tenancy law, what can you do? One option is to join a tenants’ association. This might cost you, but it will ensure you’ve got someone in your corner if you’ve got any questions or need assistance. 

Be aware of scammers

One major thing to be aware of at all steps in the process – from the first time you click ‘search’ to the moment you’re getting handed the keys – is to be aware of scams. 

Scammers are unfortunately relatively common in the Austrian property market, even if the scammers themselves might not be in Austria at all. 

Never be too shy to ask for clarifications or further documentation/identification. 

Scammers operate on all platforms. While official property platforms have greater resources to weed out dodgy operators, don’t assume that the deal is legit simply because it’s on a reputable searching platform. 

A good ad should have pictures from inside and outside. 

Oh, and never transfer money after a promise to be sent keys via the post, that’s the oldest trick in the book. 

If your prospective landlord is out of town and won’t show you around, then this person is not your prospective landlord. 

Try and use your common sense. Think about what you would do if you were renting out your flat – would you send your keys in the post to a stranger? 

Remember that if it seems too good to be true, it probably is.

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LIVING IN AUSTRIA

‘Haushaltsversicherung’: How does Austria’s home insurance work?

'Haushaltsversicherung' is one of Austria's most popular types of insurance. It is not mandatory, but it is certainly worth evaluating, especially as it comes with many possible add-ons.

'Haushaltsversicherung': How does Austria's home insurance work?

Austrians are certainly obsessed with insurance coverage, and one of the most popular and common ones is known as the “Haushaltsversicherung”—if you don’t have it already, you have certainly heard of it. Here’s what you need to know about household insurance.

Firstly, this insurance covers damages to “all movable objects within your own four walls,” as Austria’s Chamber of Labour (AK) explains. This includes furniture, carpets, and electrical appliances. It would also cover damages caused by fire, storms, water, burglary, and glass breakage. 

Certain types of insurance, such as private liability insurance or mandatory dog liability insurance, are almost always combined with household insurance—another reason why the Haushaltsversicherung is so popular in Austria.

READ ALSO: What kind of insurance do I need to have in Austria?

However, there are enormous differences in premiums and benefits, so experts suggest you check precisely what you need before taking out insurance. The AK also says you should talk to an insurance advisor to learn more about your specific case and needs, particularly if you have any valuables in your home. 

Additionally, they said: “It makes sense to check your policy every few years to ensure that you are properly insured. This guarantees that the sums insured and the risks included are up-to-date and sufficient”.

What should I keep an eye on when reviewing policies?

Of course, different companies have their own offers, and they are often highly customisable to fit your apartment and lifestyle—some things you need to be aware of, though.

Certain policies are tied to the size of your apartment, while others will have a lump sum regardless of the size of your place. Policies also usually differ depending on whether you live in an apartment or a house. 

While most insurance will cover glass breakage (such as when a hail storm breaks your window, for example), some might have it as an add-on (wahlweise mit Glasbruch). 

You may also add other types of insurance to your household insurance, the most common being mandatory dog liability insurance (Hunde-Haftpflicht), legal insurance (Straf-Rechtsschutz), and sports insurance.

READ ALSO: Should I take out insurance before skiing in Austria?

It’s worth it to read each policy, but you should know some common clauses beforehand. For example, insurance often won’t cover burglary costs if your house has not been properly secured and locked. This might seem obvious, but since door knobs don’t open from the outside without the key, people often leave their homes, especially for short errands, and don’t lock the doors all the way. Insurance and safety experts recommend you get in the habit of locking your home doors.

It’s also important to check if your insurance will pay you “Neuwert” or “Zeitwert” in case of damage. 

A Neuwert means the insurance will pay for a replacement object, regardless of how old the stolen or broken one was. However, many insurance policies still contain the so-called “Zeitwert”, something like “current value”, so you wouldn’t receive an amount that could pay for a new product. Instead, a loss of value of around 10 percent per year could be expected for most objects.

What should I do if there is damage to my home?

If you see any damage to your home from burglary, accident or other types, you need to notify your insurer immediately and report the damage you have suffered. 

The insurance conditions usually stipulate a maximum period of three days for reporting a claim in property insurance. The Chamber of Labour also recommends that you send a written notification of the claim (preferably by registered mail, they add).

“Make a list of all items that have been destroyed or lost and enclose it with your report to both the insurer and the security authorities”, they said. And, of course, in the event of fire burglary or robbery, always inform the fire department or police authorities.

READ ALSO: EXPLAINED: The Austrian insurance for if you get sued – or want to sue someone

How long does the insurance last, and how much does it cost?

The insurance term is usually specified in the counteract. In general, though, you can terminate it after the third year with one month’s notice if the contract has not already expired.

If you move house or move abroad, you can terminate your household insurance contract. You can cancel the insurance the day before the move begins (preferably by registered letter).

If you do not exercise your right of termination, the insurance will remain valid during the move and in the new home.

Regarding prices, they can be as low as a few euros a month (such as insurance specifically tailored to students living in shared flats) to several hundred a month if you have a large place with plenty of valuables or include several add-ons. 

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