Mortgage Simulator
Calculate your monthly payments, total costs and view the full amortization schedule
Fill in the form
Enter your parameters to see results
Monthly payment calculation
Full amortization table
Borrowing capacity analysis
Essayez aussi
FAQ
At a fixed rate of 3.5%, the monthly payment is about 1,252 euros, excluding outstanding balance insurance. The same amount over 20 years costs about 1,450 euros per month. The simulator above calculates the exact payment for your amount, rate and term.
Belgian banks generally cap the monthly payment at one third of net income, i.e. 1,000 euros for a 3,000 euro income. At 3.5% over 25 years, that corresponds to a loan of about 200,000 euros. Your exact capacity depends on your other charges and your down payment.
Belgian mortgage rates fluctuate between 3% and 4% in 2026 for a fixed-rate loan over 20-25 years. The exact rate depends on your profile and the bank.
In Belgium, the maximum is typically 30 years, but banks recommend 20-25 years. The NBB (National Bank of Belgium) advises against loans exceeding 25 years.
The NBB recommends a minimum down payment of 10% to 20% of the property price. For a first purchase, some banks accept 100% financing under strict conditions.
Yes. In Belgium, you can repay early with a reinvestment indemnity of maximum 3 months interest on the repaid capital.
The table uses the constant annuity method. Each month, the capital portion increases and the interest portion decreases, while the monthly payment stays the same.
No, the simulator only calculates capital and interest. Remaining balance insurance, mandatory in practice, is an additional cost to add.