We analyse the 27 countries of the European Union with defined key factors which influence the Real Estate Markets under the view of its risk bearing capacity (financial). At the end will be a rating for every country and also a ranking in the EU.

We took a look at the quota of the states expenses in relation to the GDP per capita, the main wealth drivers in the economies and their number of employees. Also we rate the constitution of the labour market and the salaries in relation to the living costs in each country. Furthermore the political stability and their ability to face upcoming problems. We close our observation with an overview over the education of the population, the social security systems and the migration/ immigration.

These factors were weight and result in a specific rating for each country and its risk bearing capacity of their housing markets and mortage loans. In a summary we give advices for improvement.