Buying capacity calculator

In Belgium, the maximum debt ratio is 50% of net income, but most banks prefer not to exceed 33% to 40% for a comfortable living budget.

The NBB recommends 20% down payment, but 10% often suffices. For first-time buyers, some banks accept 90% or even 100% financing under strict conditions.

Banks consider the average of variable income (commissions, bonuses) over 2 to 3 years. Income from temporary contracts is usually excluded.

With a net salary of 2,000 EUR, you can typically borrow 150,000 to 180,000 EUR over 25 years, giving access to properties around 170,000 to 200,000 EUR depending on your down payment.