Mortgage simulation

  • Amount borrowed -
  • Type of credit
  • Duration - months
  • Borrowing rate * - % *
  • Total amount payable -
Your monthly payment: -
* Rate subject to conditions (first-time buyers/property for residential use/total monthly payment must not exceed 40% of professional income), valid as of today's date for a mortgage loan with a maximum loan-to-value ratio of 80%. Subject to acceptance of your application and after signing your mortgage agreement.

Representative example: Mortgage loan for real estate purposes for the purchase of a property in Belgium fully covered by a mortgage (80% loan-to-value ratio) for a borrowed amount of €100,000 over a period of 20 years with the rate fixed throughout the duration of the loan.

Annual borrowing rate: 2%

The APR (Annual Percentage Rate) is 3.23%, including:

  • - the fixed annual borrowing rate (2.00%),
  • - the application fee (€350),
  • - the cost of the surveyor’s report (€200),
  • - property transfer tax (€1,100),
  • - the mortgage registration fee (€330),
  • - the mortgage registrar’s fee (€210),
  • - the notary’s administrative costs (€1,150),
  • - VAT on taxable items (€220),
  • - the annual premium for the loan protection insurance (€250/year) for 2/3 of the duration (13 years) (N-F 35-year rate)
  • - fire insurance (house with 2 façades and 6 rooms) (€289/year)
  • - the fixed monthly repayment is €505.03 for 240 months, the total amount of capital + interest is €121,207.

The total cost of the operation is €133,797.

The amounts and rates are given for information purposes only. This simulation is not a contractual document, and is not binding on the client, the broker or the lending institution. For more information, please contact our office.

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