Mortgage Simulator

Calculate your monthly payments, total costs and view the full amortization schedule

Starting rate: 3.53%, the average rate on new housing loans whose rate is fixed for more than ten years, in August 2026. Source: National Bank of Belgium.

This is an average, not an offer: each bank sets the rate for your file. See this month's rates

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Full amortization table

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FAQ

In August 2026, the average rate on new housing loans was 3.53% for a rate fixed for more than ten years, 3.54% for a rate fixed for five to ten years and 3.91% for a rate fixed for one to five years. These are the National Bank of Belgium's figures. It is an average: the rate for your file depends on your bank, your income and the share of the price you borrow.

At the average rate of 3.53% published by the National Bank for August 2026, the monthly payment is about 1,256 euros over 25 years, without outstanding balance insurance. Over 20 years, it rises to about 1,454 euros. The simulator calculates the exact payment for your amount, your rate and your term.

These are variable rate loans. The first number says how many years the rate stays fixed at the start. The next two say it can then change every 5 years. The law requires the rate to follow a published index, the maximum rise to be written in the contract, and that rise to be no larger than the possible fall (Code of Economic Law, article VII.143).

The National Bank asks banks to limit loans that finance more than 90% of the property value. Above that, a bank can lend, but only for a limited share of its loans: 35% at most for a first purchase, 20% for others. Lending more than the price stays rare: 5% of loans at most for a first purchase, none for others.

No law sets a single percentage. The National Bank mainly watches loans that finance more than 90% of the price and whose monthly payment is more than half of disposable income: they must not exceed 5% of loans. Each bank then applies its own rule, looking at what you have left to live on.

Yes. The bank can ask for a reinvestment fee, calculated on the capital repaid, which cannot be more than three months of interest (Code of Economic Law, article VII.147/12).

The monthly payment is the same every month. At the start, it mostly pays interest. Then the capital part grows and the interest part shrinks.

No. The simulator calculates capital and interest. Outstanding balance insurance, which banks almost always ask for, comes on top.

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FAQ

Yes. The bank can ask for a reinvestment fee, calculated on the capital repaid, which cannot be more than three months of interest (Code of Economic Law, article VII.147/12).

The monthly payment is the same every month. At the start, it mostly pays interest. Then the capital part grows and the interest part shrinks.

No. The simulator calculates capital and interest. Outstanding balance insurance, which banks almost always ask for, comes on top.