Compare real estate credit facilities

Find out how to finance real estate

Compare real estate credit facilities

Find out how to finance real estate

  Investment credit Real estate leasing Real estate renting Roll-over credit Credit line with straight loans
Purpose Building and/or land Building (and land) Building (and land) Building and/or land Advance
Renovation work
Minimum credit amount None

 

 

500.000 euros (building purchase)

 

 

625.000 euros (building construction)

 

 

500.000 euros (building purchase)

 

 

625.000 euros (building construction)

 

 

250.000 euros (credit line amount)

 

 

10.000 euros (principal repayment amount)

50.000 euros
Interest rate Variable or fixed Variable or fixed Variable or fixed Margin on EURIBOR, with margin revision before the final maturity date Margin on EURIBOR, with margin revision before the final maturity date
Can be drawn down online
100% financing Own financial input  (own financial input possible under certain conditions)  (own financial input possible under certain conditions) Own financial input Own financial input
Pre-financing VAT   (VAT is sometimes included in the price)  (VAT is sometimes included in the price)  
Accounting treatment: on the balance sheet capitalisation and depreciation   (lease payment as expense)
Limited costs for collateral 
Very flexible (asset structuring for business property at all times, simple lease transfer documents, etc.)
  Investment credit Real estate leasing Real estate renting Roll-over credit Credit line with straight loans

Other features of note

Real estate leasing

  • No real collateral under the leasing agreement
  • Qualifies as valid reinvestment for spreading capital gains tax bills

Real estate renting

  • No real collateral under the leasing agreement
  • Lease payments can be claimed back in full as businesses expenses
  • Alternative to renting, without rent indexation but tax-deductible VAT and includes a purchase option

Roll-over credit

  • Switch to an investment credit free of charge

Credit line with straight loans

  • Drawdowns must be for at least 50.000 euros

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