National Bank figures

Mortgage rates in Belgium: August 2026

Name: Average rates on new housing loans in Belgium
Creator: National Bank of Belgium
License: https://www.nbb.be/en/disclaimer-and-legal-information/copyright-and-use-information

In August 2026, the average rate on a new housing loan whose rate is fixed for more than ten years was 3.53%. It was 3.16% in August 2025: it has gone up in a year.

These are averages published by the National Bank of Belgium, not offers. Each bank sets the rate for a file based on your income, the share of the price you borrow and the property. Immolytics is neither a bank nor a broker.

Average rates for August 2026

The National Bank groups new housing loans by how long the rate stays fixed at the start. Under each group, you see the formulas that belong to it.

Rate fixed for more than 10 years

3.53%

Includes: fixed rate over more than 10 years and the 20/5/5 formula.

A month earlier: 3.48%
A year earlier: 3.16%
New loans in the month (million euros): 1,954

Rate fixed for more than 5 and up to 10 years

3.54%

Includes: the 10/5/5 formula and fixed rates over 6 to 10 years.

A month earlier: 3.48%
A year earlier: 3.13%
New loans in the month (million euros): 265

Rate fixed for more than one and up to 5 years

3.91%

Includes: the 5/5/5 and 3/3/3 formulas.

A month earlier: 3.87%
A year earlier: 3.68%
New loans in the month (million euros): 744

Variable rate or fixed for one year at most

4.69%

Includes: the 1/1/1 formula.

A month earlier: 4.61%
A year earlier: 4.11%
New loans in the month (million euros): 213

Average rates for August 2026
How long the rate is fixed at the start	August 2026	A month earlier	A year earlier	New loans in the month (million euros)
Rate fixed for more than 10 yearsIncludes: fixed rate over more than 10 years and the 20/5/5 formula.	3.53%	3.48%	3.16%	1,954
Rate fixed for more than 5 and up to 10 yearsIncludes: the 10/5/5 formula and fixed rates over 6 to 10 years.	3.54%	3.48%	3.13%	265
Rate fixed for more than one and up to 5 yearsIncludes: the 5/5/5 and 3/3/3 formulas.	3.91%	3.87%	3.68%	744
Variable rate or fixed for one year at mostIncludes: the 1/1/1 formula.	4.69%	4.61%	4.11%	213

The amount of new loans in the month shows which formulas households choose most.

5 years of average rates

In August 2021, a loan with a rate fixed for more than ten years cost 1.38% on average. In August 2026, it is 3.53%.

What borrowing 100,000 euros costs

This is the monthly payment for 100,000 euros borrowed, at the average rate for August 2026. For 250,000 euros, multiply by 2.5.

Rate fixed	Over 20 years	Over 25 years
More than 10 years (3.53%)	582 €	502 €
5 to 10 years (3.54%)	582 €	503 €
1 to 5 years (3.91%)	601 €	523 €

Constant monthly payment, without outstanding balance insurance or arrangement fees. For a variable formula, it only holds until the first rate review.

Simulate my loan with these rates

How to read these figures

These are the rates on new contracts signed during the month with banks based in Belgium, averaged and weighted by the amounts lent. They include neither outstanding balance insurance nor arrangement fees.

A month's figures come out a few weeks after it ends. This page shows the National Bank's latest release.

The National Bank also asks banks to limit loans that finance more than 90% of the property price. Read its expectations on mortgage loans

A variable rate follows a reference index published every month in the Belgian Official Gazette. The law requires the maximum rise to be written in the contract and to be no larger than the possible fall (Code of Economic Law, article VII.143).

Frequently asked questions

In August 2026, 3.53% for a new housing loan whose rate is fixed for more than ten years, according to the National Bank of Belgium. The table on this page also gives the rates for variable formulas.

Because it is an average. Your bank takes into account your income, your down payment, the share of the price you borrow and the conditions you accept, such as a discount linked to other contracts.

A fixed rate keeps the same monthly payment until the end. A 10/5/5 or 20/5/5 variable rate is fixed at the start, then can change every 5 years, within a limit written in the contract. The simulator shows the payment if the rate goes up: that is the amount your budget must handle.

As soon as the National Bank publishes a new month. The month of the figures is in the title, and the date they were read is at the bottom of the page.

On the National Bank of Belgium's website, in its statistics on bank interest rates (MIR). The link is at the bottom of this page.

Source: National Bank of Belgium, interest rates of monetary financial institutions (MIR), households, housing loans, new business. Data read on 1 October 2026. NBB statistics · Reuse conditions