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The Mortgage Confirmation Letter is a crucial document in Austrian banking and real estate practice, typically issued upon request from the mortgage holder or other authorized parties. This document serves multiple purposes, including verification of mortgage terms for refinancing, proof for tax authorities, or confirmation of obligations in property transactions. The letter contains essential information about the mortgage, including the current balance, payment status, and property details as registered in the Austrian land registry (Grundbuch). The document must comply with Austrian banking regulations and property law requirements, particularly the Austrian Civil Code (ABGB) and Land Register Act. As an official confirmation from a lending institution, the Mortgage Confirmation Letter requires authorized signatures and often serves as a reference document for various financial and legal procedures.

1. Bank Details and Reference: Official letterhead, bank's details, reference numbers, and date

2. Recipient Information: Full name and address of the mortgage holder(s)

3. Property Identification: Complete legal description of the mortgaged property including land registry details (Grundbuch)

4. Mortgage Details: Confirmation of the mortgage amount, interest rate, and key terms

5. Payment Information: Current status of payments, outstanding balance, and payment schedule

6. Security Confirmation: Confirmation of the ranking and registration of the mortgage in the land register

7. Contact Information: Relevant contact details for queries and further correspondence

8. Signature Block: Authorized signatures from the lending institution