Mortgage loan
The go-to financing to buy your property.
The mortgage loan finances the purchase of a home (or a plot of land) by securing it with a mortgage. It is the most common solution for becoming an owner.
The mortgage loan is a long-term commitment: the bank lends you a capital sum that you repay through monthly payments, increased by interest, while the property serves as security (the mortgage). In Belgium, the amount you can borrow depends on your income, your charges, your down payment and the value of the property — lenders monitor in particular your debt ratio and the loan-to-value ratio (loan / value ratio).
The choice of rate is decisive: a fixed rate guarantees identical monthly payments for the entire term, a variable (revisable) rate may start lower but changes within legal limits (the "cap"). As an independent broker, we put the offers into competition and defend your interest to secure the best conditions.
Warning: borrowing money also costs money.
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