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- Out-of-court settlement of a money claim (Austria)A settlement under §§ 1380 ff of the Austrian Civil Code (ABGB) in which creditor and debtor end a dispute over a money claim by mutual concessions: the disputed claim, the settlement sum, payment in one sum or in instalments, acceleration on default, a full-and-final clause and who bears the duty. Important: a written out-of-court settlement in Austria attracts a legal-transaction duty of 2% of the combined value of what both sides undertake, 1% if a court case is pending (§ 33 TP 20 GebG). An immediately enforceable settlement (prätorischer Vergleich) is made at the Bezirksgericht. In German, signed by both.
- Private loan agreement between individuals (Austria)A loan agreement under Austrian law for money lent between private individuals — family, friends or acquaintances. It records the amount, payment by bank transfer, interest or an interest-free loan, repayment in one sum, in instalments or after one month's notice (§ 986 of the Austrian Civil Code, ABGB), default interest at 4% (§ 1000 ABGB) and acceleration on default. No set form and no stamp duty since 2011. Between spouses or registered partners a notarial deed is required (§ 1 Abs 1 lit b NotAktsG), and the agreement asks about it. A guarantee is a separate declaration. Private lenders only. In German, to print and sign.
- Guarantee for a private loan (Austria)The declaration by which a private individual in Austria guarantees the repayment of a private loan — with a maximum amount and a choice between an ordinary guarantor (§ 1355 of the Austrian Civil Code, ABGB) and a guarantor liable as co-debtor (Bürge und Zahler, § 1357 ABGB). A guarantor acting outside a business must undertake in writing (§ 1346 Abs 2 ABGB), and an electronic signature counts only with a notary's or lawyer's confirmation (§ 4 Abs 2 SVG). So this declaration is printed and signed by the guarantor by hand. No stamp duty as security for a loan (§ 20 Z 5 GebG). In German.
- Instalment agreement between private individuals (Austria)An instalment agreement for an unpaid debt between private individuals in Austria: the debtor acknowledges the sum — which interrupts limitation (§ 1497 of the Austrian Civil Code, ABGB) — and the creditor allows monthly instalments, with the account, interest or none, and acceleration if payments fall behind. Private creditors only: a business granting a consumer time to pay may be giving consumer credit, from 20.11.2026 under the VKrG 2026. Between spouses or registered partners valid only as a notarial deed (§ 1 Abs 1 lit b NotAktsG). In German, signed by both.
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