Zinserhöhung der EZB
26. Juni 2023
Die Baubranche hat einige Herausforderungen zu stemmen.
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26. Juni 2023
Die Baubranche hat einige Herausforderungen zu stemmen.
Aufgrund der stark steigenden Verbraucherpreise im letzten Jahr, der strengeren KIM-Verordnung für Wohnbaukredite und der Unsicherheit bezüglich der künftigen Einkommensentwicklung sind viele Haushalte zurückhaltender mit Blick auf die Schaffung von eigenem Wohnraum geworden.
Beobachtete die OeNB schon ab dem 3. Quartal 2022 einen beträchtlichen Rückgang der Nachfrage nach Wohnbaukrediten sowie einen erhöhten Anteil von abgelehnten Kreditanträgen seitens der Banken, dürfte sich die Lage nun noch weiter zuspitzen: Denn die abermalige Anhebung des Leitzinses durch die Europäische Zentralbank (EZB) auf 4 Prozent – einen Höchststand seit 22 Jahren – erschwert die Bezahlbarkeit der eigenen vier Wände und lässt die Auftragszahlen der Baubranche weiter sinken.
Die kapitalgewichteten Durchschnittszinsen für Wohnbaukredite stiegen innerhalb eines Jahres von 1,4 Prozent (April 2022) auf über 3,8 Prozent an (April 2023).
Aufgrund des derzeitigen Nachfragerückgangs rechnen die Nationalbänker:innen mit weiter rückläufigen Wohnbauinvestitionen in den kommenden Jahren 2023 (-4,7 Prozent) und 2024 (-3,3 Prozent). Die vorläufigen Daten für 2022 der Wohnungsbewilligungen geben ein weiteres Indiz dafür, unter welchem Druck die Baubranche steht. Verzeichnete man 2019 noch historische Höchstwerte mit 85.000 bewilligten Wohnungen, ging es in den folgenden Jahren stetig bergab. Die Daten für 2022 liegen nun bei nur noch 59.000 Bewilligungen, das sind 19 Prozent weniger als im Vorjahr.
Stützen ließe sich die Baubranche über eine Senkung der Grunderwerbsteuer. Darüber hinaus würden notwendige Anpassungen bei der zu strengen KIM-Verordnungsowie bei der Wohnbauförderung entlastend auf die unter Druck geratene Bauwirtschaft wirken.
Grafik: Steigende Zinskosten lähmen die Nachfrage nach Wohnbaukrediten
Quelle: OeNB
Wirtschaftsbund Oberösterreich
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to