Renovation loan
- Get your loan at our top-value rate
- Avoid paying origination and registration fees
- Calculate your loan online and apply right away
Why go for a renovation loan with KBC?
If you're planning home improvements or renovations, a KBC Renovation Loan is the ideal solution. You borrow at an attractive rate which is fixed, so you repay the same amount each month.
If you already have a mortgage loan, there are even more ways to get financing for your plans. Come in and talk to us today about what we can do for you.
Did you know that...
You can take out a KBC Energy Loan if at least half of your home improvements are for energy-efficiency purposes.
You can also borrow more cheaply for your purchase and renovation project. See how to claim back your interest on a Flemish renovation loan here.
More information on the KBC Renovation Loan
Our KBC Touch and KBC Mobile let you easily work out and apply for your loan. They give you a personal rate right away, just like we do at your branch. We make it easy! Don’t take our word for it though. Ask the more than 80% of our loan applicants who’ve requested their loan online. Have questions or need advice? Our KBC Live is there for you.
Our Touch and Mobile apps also show you full details of your loan. See quickly:
- How much you have left to pay off
- When your next repayment is due
- How long your loan still has to run and what you pay each month
You don’t need to have a current account with us to apply for a renovation loan. Simply work out your renovation loan with us on our website.
A renovation loan doesn't involve taking out a mortgage, sparing you a trip to a notary-public and saving you money on what can be substantial extra costs.
All you need is proof of investment like a
- signed invoice or
- contractor/seller quote
The rate of interest is 3.99% (4.49% as from 85 months).
The best term for you will depend on how much you want to borrow and how much you can spare each month. The longer the term, the less you'll have to repay each month and the easier it will be to pay off your loan. The shorter the term of your loan, the more you'll have to repay each month but you'll pay it off sooner and consequently pay less interest. At KBC, the choice is in your hands.
There are a few legal limits that apply to the term of a loan: these are automatically built into the car loan calculator.
| Amount borrowed |
Maximum term |
| up to 2,500 euros | 24 months |
| up to 3,700 euros | 30 months |
| up to 5,600 euros | 36 months |
| up to 7,500 euros | 42 months |
| up to 10,000 euros | 48 months |
| up to 15,000 euros | 60 months |
| up to 20,000 euros | 84 months |
| up to 50,000 euros | 120 months |
We will disburse your renovation loan
- once we have received the signed documents and proof of investment from you
- onto a specified account or joint account in your name
You start making your loan repayments one month after your renovation loan is paid to you. All subsequent monthly repayments will take place on the same day of the month as the initial repayment.
Instalment loan details
Legal information
Credit type: Instalment loan provided by the lender KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels, FSMA 026.256 A. Subject to your loan application being approved by KBC Bank NV and mutual agreement.
