Belgium 💰 EUR Last updated2026-05-28

Hypothecair krediet Calculator Belgium

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Quick answer (Belgium)

A €290,000 mortgage at 3.6% over a 25-year fixed term in Flanders works out to a monthly payment of about € 1.467, with total interest of € 150.222 over the full term.

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Mortgage Calculator

EUR

Home Value

€

LTV 80% · No PMI ✓

Loan Amount

€

Interest Rate

Term

Total Monthly

1.951 €

PITI

Principal + Interest

1.467 €

34% goes to interest

Total Interest

150.222 €

over 25 years

Monthly Breakdown

Principal & Interest1.467 €

Property Tax (1.1%/yr)332 €

Homeowner's Insurance (0.5%/yr)151 €

Total Monthly1.951 €

Principal vs Interest Split

66% principal

34% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Hypothecair krediets in Belgium

Typical loan

€ 290.000

in Belgium

Typical rate

3.6% p.a.

prime borrower, 2026

Typical term

25 years

most common

Market overview

The Belgian mortgage market is concentrated around KBC, BNP Paribas Fortis, Belfius, ING Belgium, and Argenta. Belgium has one of Europe's highest home-ownership rates (~72%) and lenders are highly competitive on rate — most prime borrowers will get rates 20-40 bps below the headline. Twenty-five years is the standard term; very few lenders write 30-year loans.

Why 3.6% is the typical rate

3.6% reflects a competitive 25-year fixed rate offer for a borrower with 20% deposit and stable employment in early 2026, after the ECB rate-cut cycle. Variable-rate (1-1-1 or 1-3-5) products trade slightly below this.

Tax & regulatory notes

The federal mortgage interest deduction (woonbonus / bonus logement) was abolished in 2020. Each of the three regions (Flanders, Wallonia, Brussels) now sets its own property tax (registratierechten/droits d'enregistrement) at 3% (single-home Flanders) up to 12.5% (investment property). Notary and registration costs typically add ~13-15% on top of the purchase price in Brussels.

🧮 Worked example

A €290,000 mortgage at 3.6% over a 25-year fixed term in Flanders

Loan amount

€ 290.000

Annual interest rate

3.6%

Term

25 years (300 months)

Monthly payment

€ 1.467

Total interest paid

€ 150.222

Total paid (principal + interest)

€ 440.222

❓ FAQ (Belgium)

Common questions in Belgium.

What is registration duty in Belgium and how much will it cost me?

Registration duty (registratierechten) replaces stamp duty and varies by region: 3% in Flanders for a single primary home, 12.5% in Wallonia (with abatements for modest homes), and 12.5% in Brussels (with an abatement of €175,000). For a €300,000 home in Brussels, expect ~€15,625 in registration after the abatement.

Is the woonbonus still available?

No — Flanders abolished the woonbonus on 1 January 2020, Wallonia kept a slimmed-down chèque habitat, and Brussels removed its bonus logement at the same time. Existing pre-2020 mortgages keep their deduction until repayment.

Can I borrow 100% of the property value in Belgium?

In principle yes, but lenders price these heavily — typically 50-80 bps above 80% LTV rates, and increasingly rare since the 2020 NBB macroprudential guidance which encourages banks to limit >90% LTV loans to ~35% of new originations.

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