I want something not just to invest in. I want something to believe in. (Anita Roddick RIP)Our net interest rates (Belgium + Luxemburg + France) for RESIDENTS and EXPATS

We constantly select the best rates from our 25 partners and then negotiate even better conditions. This results in the rock bottom rates advertised below.
We can also take care of, and guide you through, all administrative formalities and try to make the whole procedure as comfortable as possible for you.

Latest update:

still searching... The more "me too's" on your tail, the faster you'll run. (Michel De Batselier) ,To get something done, a committee should consist of no more than three people, two of whom are absent. (Robert Copeland)%...for you

Classic mortgage loan for Belgium and Luxemburg (Belgian residents)       

Net interest rates in function of loan/appraised value and the variability of the loan
variab.loan/appraised value
< 60%60-75% 75-80% 80-90% 90-100% Habitat Plus®
<115%   <118%
5-5-5 CAP 2% 1,88% 1,88% 1,88% 1,88% 2,24%
10 1,72% 1,72% 1,72% 1,90% 1,90% - -
10 (1) - -
10 (2) - -
10 (3) - -
10 (4) - - - -
10 (5) - -
15 2,15% 2,15% 2,15% 2,20% 2,20% - -
15 (1) - -
15 (2) - -
15 (3) - -
15 (4) - - - -
15 (5) - -
15-18(1) - -
20 2,35% 2,35% 2,35% 2,35% 2,60% - -
20 (1) - -
20 (2) - -
20 (3) - -
20 (4) - - - -
20 (5) - -
20-25(1) - -
25 2,49% 2,49% 2,49% 2,49% 2,75% - -
25 (1) - -
25 (2) - -
25 (3) - -
25 (4) - - - -
25 (5) - -
25-30(1) - -
30 3,10% 3,10% 3,10% 3,15% 3,15% - -
30 (1) - -
30 (5) - -
: recently went up     : recently went down      =  : unchanged
CAP: is the maximum amount an interest rate can rise during the whole duration of the mortgage loan.
Notice that as an extra limitation no rate can more than double.
Accordion option: when your interest rate has changed, you'll have on the date of changement the
choice between adjusting your amortization or adjusting the duration of your loan while keeping the
present amortization, without exceeding a total duration of 30 years.

(1) loan (minimum 50.000) with obligation of opening a bank account, subscription of 2 life insurances, house insurance and domiciliation of your income to that account
(2) rate only requiring the opening of one life insurance at the bank + the opening of a bank account
(3) rate only requiring the opening of a bank account
(4) loan (minimum 100.000) WITHOUT OBLIGATIONS but reserved for clients with years fixed contract with same employer and net rest income aftrer charges of minimum 2200 EUR + 125 EUR per child
(5) rate requiring subscription of 1 life insurance + house insurance at the bank. Net income for a couple needs to be >4.000 (add 0.30% if income between 3.000 and 4.000).


Did you find your rate? Then check out what the amortization will be:

 
Loan amount: EUR YES, what I see is what I want

I really would like to receive
a detailed offer without obligations
Duration:
Interest Rate: ,% 
Amortization:
EUR
 
 
 

Home