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...
,
%...for you
- 1. Classic mortgage loan for Belgium and Luxemburg (Belgian residents)
- 2. Classic mortgage loan for France (Other than French residents (Belgium, USA, Japan, ... ))
1. Classic mortgage loan for Belgium and Luxemburg (Belgian residents)
| variab. | loan/appraised value | ||||||
|---|---|---|---|---|---|---|---|
| < 60% | 60-75% | 75-80% | 80-90% | 90-100% | Habitat Plus® <115% <125% | ||
| 1-1-1(4) CAP
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- | - | ||
| 1-1-1(5) CAP
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- |
| 3-3-3 CAP 2% |
3,78%
|
3,78%
|
3,78%
|
3,78%
|
4,05%
|
- | - |
| 5-5-5 (1) CAP 2% |
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- | - |
| 10 |
3,67%
|
3,67%
|
3,67%
|
3,67%
|
3,93%
|
4,45%
|
4,45%
|
| 10 (6) |
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- | - |
| 10 (3) |
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- | - |
| 10 (4) |
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- | - | - | - |
| 10 (5) |
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- |
| 10 (1) |
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- | - |
| 10 (2) |
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- | - |
| 10-5-5 CAP 2% |
4,25%
|
4,25%
|
4,25%
|
4,25%
|
4,52%
|
- | - |
| 15 |
4,03%
|
4,03%
|
4,03%
|
4,03%
|
4,30%
|
4,81%
|
4,81%
|
| 15 (6) |
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- | - |
| 15 (3) |
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- | - |
| 15 (4) |
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- | - | - | - |
| 15 (5) |
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- |
| 15 (1) |
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- | - |
| 15 (2) |
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- | - |
| 15-18 |
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- | - |
| 20 |
4,27%
|
4,27%
|
4,27%
|
4,27%
|
4,53%
|
4,97%
|
4,97%
|
| 20 (6) |
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- | - |
| 20 (3) |
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- | - |
| 20 (4) |
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- | - | - | - |
| 20 (5) |
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- |
| 20 (1) |
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- | - |
| 20 (2) |
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- | - |
| 20-25 |
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- | - |
| 25 |
4,46%
|
4,46%
|
4,46%
|
4,46%
|
4,72%
|
5,13%
|
5,13%
|
| 25 (6) |
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- | - |
| 25 (3) |
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- | - |
| 25 (5) |
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- |
| 25 (1) |
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- | - |
| 25 (2) |
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- | - |
| 25-30 |
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- | - |
| 30 |
4,60%
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4,60%
|
4,60%
|
4,63%
|
4,87%
|
- | - |
| 30 (3) |
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- | - |
| 30 (1) |
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- | - |
| 35 |
5,15%
|
5,15%
|
5,15%
|
5,15%
|
5,15%
|
- | - |
| 40 |
5,18%
|
5,18%
|
5,18%
|
5,18%
|
5,18%
|
- | - |
| 40 (3) |
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- | - |
 |
 : recently went up
 : recently went down = : unchangedCAP: is the maximum amount an interest rate can rise during the whole duration of the mortgage loan. Max. CAP 5 unless otherwise stated. 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) rate for existing clients (or their children) with at least 50.000 EUR deposits after the loan was passed and with the obligation of opening a bank account, subscription of 2 life insurances, house insurance and domiciliation of your income to that account. Net income after charges has to be above 2.400 EUR net. (2) rate with obligation of opening a bank account, subscription of 2 x 50% life insurances, house insurance and domiciliation of your income to that account (3) rate with obligation of opening a bank account, subscription of 2 life insurances, house insurance and domiciliation of your income to that account (4) rate with obligation of opening a bank account and domiciliation of your income to that account. After loan charges at least 2000 EUR must remain. Max 260.000 EUR (5) idem as (4) but exclusively for members of the European Commission. Max 700.000 | ||||||
Did you find your rate? Then check out what the amortization will be:
Classic mortgage loan for France (Other than French residents (Europe, USA, ... )) 
For non-French residents we offer a classic French mortgage loan. It is a loan from a French bank for a property in France with a mortgage signed before the French public notary.
The maximum LTV (Loan-to-Value Percentage) is:
- 80% for the following countries:
- Belgium, Netherlands, Luxemburg
- USA, Canada
- UK, Ireland, Spain, Portugal, Italy, Germany, Sweden, Norway, Denmark, Greece, Switzerland
- 70% for the following countries:
- Japan
- Australia, New-Zealand
- 50% for other countries
Concerning an (optional) life insurance covering the loan you should subscribe one in your country of residence. We can help you with that for Belgium, France, Netherlands and Luxemburg.
| Variability | Loan-to-Value Percentage (LTV) | ||||||
|---|---|---|---|---|---|---|---|
| < 60% | 60-70% | 70-80% | 80-90% | 90-100% | <115% <125% | ||
| 10 < 115.000 EUR | 
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|
- | - | - | - |
| 10 115.000 - 230.000 |
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|
- | - | - | - |
| 10 > 230.000 EUR |
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- | - | - | - |
| 15 < 115.000 EUR |
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- | - | - | - |
| 15 115.000 - 230.000 |
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- | - | - | - |
| 15 > 230.000 EUR |
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- | - | - | - |
| 20 < 115.000 EUR |
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- | - | - | - |
| 20 115.000 - 230.000 |
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- | - | - | - |
| 20 > 230.000 EUR |
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- | - | - | - |
| 25 < 115.000 EUR |
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- | - | - | - |
| 25 115.000 - 230.000 |
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- | - | - | - |
| 25 > 230.000 EUR |
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|
- | - | - | - |
 :
recently went up  :
recently went down = : unchanged
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