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CALCULATE LOAN IN LESS THAN 2 MINUTES
Calculate your mortgage and your borrowing capacity
See your monthly payment, the total cost and how much you can borrow. Want advice afterwards? We can put you in touch with up to 3 independent credit brokers, with no obligation, so you can compare their proposals.
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Registration, notary and bank
Your own interest rate
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Calculate your monthly payment immediately
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Why this calculation is important
Buying a home is the biggest financial decision of your life. This simulator gives you the numbers to talk to your bank or a credit broker well prepared: your monthly payment, the total cost over the term, and the costs on top of the purchase price.
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Free & no obligation
Enter the interest rate your bank or broker quoted you. Do not know it yet? Leave the default for a rough estimate.
Frequently asked questions
The smartest way to sell your home in Belgium. We match you with the best certified agents in your neighborhood.
In Belgium, banks apply the 40% rule: a maximum of 40% of your net monthly income can go to housing costs. With a net income of €3,000 per month, you can therefore pay a maximum of €1,200 per month for a mortgage.
In addition to the purchase price, you pay registration duties (2-12.5% depending on the region and whether it is your only home), notary fees (2-3%), bank fees (€500-€1000) and mortgage rights.
With a fixed rate, your interest rate remains the same throughout the term. With a variable rate, the rate can change according to the market.
Banks usually finance a maximum of 90-100% of the purchase price. You therefore need at least the buyer's costs as a down payment, plus ideally 10% of the purchase price.
Most mortgages in Belgium have a term of 20 or 25 years. A shorter term means higher monthly payments but less total interest.
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