Warning: borrowing money also costs money.
LOANS

Mortgage loan: do an online simulation

PRACTICAL

Finance your home

Do you have construction or renovation plans? Are you planning to buy an apartment, house, or building plot? You can partially finance your project with a mortgage loan.

YOUR BENEFITS

Our flexible mortgage loan

Our mortgage loan is unique on the Belgian market, as it can be tailored to your financial situation.  Additionally, you can benefit from reductions and attractive interest rates if your project is energy-efficient.

MORE INFORMATION

Make an appointment

Is a mortgage loan feasible for you? Run a simulation and schedule an appointment with an expert at a BNP Paribas Fortis branch or the Easy Banking Centre. Have a question or need help with the simulation? Call us on +32 2 433 41 36.

Calculate the mortgage loan

Do you have a property project and want to finance it? Determine your repayment capacity and calculate the amount of a home loan using our simulator:

  • Choose to calculate the mortgage based on the required loan amount or future monthly payment.
  • Customise your simulation and click on "Calculate".
  • Need help? Click on the “Help me calculate...” link.
  • You can directly make an appointment to finalise your application.

Choose for greater flexibility

The duration of a mortgage loan is usually between 10 and 25 years. So, it's better to choose a loan that can evolve according to your financial or family situation.

Discover the benefits of our mortgage loan

From a guaranteed interest rate to a green mortgage label, discover all the benefits of a mortgage loan.

  

  • A guaranteed interest rate for four months

    When you apply for a mortgage loan, you have 1 month to sign our offer. You then have an additional 3 months to have the deed of sale of your future home drawn up and signed by a notary. During this entire period, your interest rate is guaranteed.

  • Reduce the interest rate? It’s possible!

    The principle is simple: you can reduce the interest rate of your new loan by meeting 5 conditions. For example, the energy performance (PEB) of your home must be less than or equal to 150 kWh/m2/year. Each condition met results in a reduction of the interest rate*.

  • Reduced monthly payments for the first three years

    You have the option to reduce the first monthly payments by only paying the interest. You will then start repaying the capital after a maximum of 36 months, ideal if you still have rent or childcare costs to pay.

  • Cancellation of the reservation fee

    When you take out a mortgage loan, the bank “reserves” the total amount of your loan. At that point, you must pay a reservation fee, calculated on the amounts not yet withdrawn from your loan. However, BNP Paribas Fortis does not charge a reservation fee for the first year. You build and the energy performance of your home does not exceed a certain threshold? You buy a property and the work includes at least one investment to save energy? In both cases, no reservation fee will be due*.

* Mortgage loan rates

Outstanding balance insurance

Buying a home is often the work of a lifetime. Nothing should spoil that. With outstanding balance insurance, you and your family can enjoy your living space with peace of mind.

Discover this insurance

The outstanding balance insurance is a temporary insurance contract covering a set term. This class 21 life insurance policy under Belgian law is offered by AG SA and distributed by BNP Paribas Fortis SA.

Reuse your existing mortgage loan for your renovation project

Do you have an ongoing mortgage loan and are planning to renovate? Under certain conditions, you can reuse the guarantees of your current mortgage loan (= reborrowing) to finance your renovation. This offers several advantages:

  • Under certain conditions, you do not have to pay new notary fees.
  • You take out this new loan at current interest rates. Depending on your situation, the interest rate may be lower than that of a renovation loan (instalment loan).
  • You can borrow over a longer period (up to 30 years) and therefore benefit from lower repayments.
  • Depending on your needs, you can borrow up to 120% of the original capital.
Your situation  
Your mortgage loan €100,000
Already repaid €20,000
Planned renovation €40,000
What can you reborrow?  
Already repaid €20,000
+20% of your original loan €20,000
Total available to reborrow €40,000

Discover this loan

How much will the mortgage loan cost?

Need expert advice on your Housing project?

Not sure which loan fits your housing project best? Have a question or need help with the simulation? Call us on +32 2 433 41 36.

Want to discuss your project with an expert or submit a loan application? Make an appointment with an expert at a BNP Paribas Fortis branch or the Easy Banking Centre.

Make an appointment

Discover our other solutions for your home

  • Renovation loan (Instalment loan)

    Want to transform your home according to your desires? With us, you finance your work at an attractive interest rate, up to 3 months after the invoice date. You can also borrow – according to your needs – up to 130% of the value of your project. Simulate and apply for your loan online!

    Discover this loan

  • Energy loan (instalment loan)

    Insulation, solar panels, green roof, water-saving system… Want to reduce your home's energy consumption and improve your quality of life? Finance your projects at an attractive interest rate. Make a simulation and apply online.

    Discover this loan

  • Insure what matters to you

    AG's Top Home Insurance offers you peace of mind. It covers your home and its contents, but also, without additional premium, solar panels, garage, garden shed… It allows you to rebuild according to environmental standards in case of damage. And it includes 24/7 assistance.

    Discover this insurance

  • Certificates for your home

    Need a new EPC certificate, asbestos certificate, or inspection certificate for electricity or gas? Contact the experts at SoSimply and request a free quote.

    About SoSimply

Also of interest

From budgeting to choosing a mortgage loan to insuring your home

How much can I borrow? How does a mortgage loan work? How do I protect my home? We answer these and many other questions.

Tell me more

Find out more

You can read more in the documents below. Or book an appointment with an expert at a BNP Paribas Fortis branch or the Easy Banking Centre - available on weekdays until 8 pm.

Making an appointment online is quick and easy.

Legal Information

Type of loan: mortgage loan for (im)movable property. The provisions on mortgage loans in Chapter 2 of Title 4 of Book VII of the Code of Economic Law apply. Subject to acceptance of your application by BNP Paribas Fortis SA, lender, Montagne du Parc 3, 1000 Brussels – RPR Brussels – VAT BE 0403.199.702.

Energy loan – Type of loan: Instalment loan. The provisions on consumer credit in Chapter 1 of Title 4 of Book VII of the Code of Economic Law apply. Covers all energy-efficient works in the home, including the purchase and installation of frames and double glazing, heating systems and boilers, insulation materials, solar panels, energy audits, and all other materials and works aimed at energy savings in the home. Subject to acceptance of your application by AlphaCredit SA, lender, Montagne du Parc 8 box 3, B-1000 Brussels – RPR Brussels – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702.

Renovation loan – Type of loan: Instalment loan. The provisions on consumer credit in Chapter 1 of Title 4 of Book VII of the Code of Economic Law apply. Subject to acceptance of your application by AlphaCredit SA, lender, Montagne du Parc 8 box 3, B-1000 Brussels – RPR Brussels – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702.

The Top Habitation home and fire insurance is a building and contents insurance under Belgian law offered by AG, and distributed by BNP Paribas Fortis. For exact coverage details, please refer to the product’s general terms and conditions, available at bnpparibasfortis.be and in all our branches. You can also obtain them by calling the Easy Banking Centre on 02 762 90 00.

Intermediary : BNP Paribas Fortis SA/nv, Montagne du Parc 3, 1000 Brussels - https://www.bnpparibasfortis.be - Brussels Register of companies, VAT BE0403.199.702, registered with the FSMA under this number, rue du Congrès 12-14, 1000 Brussels, and acts as an insurance agent.

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