Your renovation loan

From 3.99%
  • Make your dream renovations happen
  • Work out your loan at a top-value rate
  • Apply for your loan online (even if you’re not a customer with us)

* Representative example: for an instalment loan of 10,500 euros to be repaid over 60 months at a fixed annual debit rate and annual percentage rate of charge of 3.99%, you pay 60 instalments of 193.00 euros per month or 11,579.38 euros in total. Rate applies on 05-02-2024 for terms of up to 60 months, for an instalment loan used to finance regular renovations.

Make your dream renovations happen

Time to give your living room a new look or want to renovate your kitchen or bathroom? Whatever your plans, the KBC Renovation Loan may be just what you need to realise them. You borrow at an attractive rate and you don’t have to pay any origination or registration fees. What’s more, your rate is fixed so your repayments stay the same each month.

Tip: if at least half of your renovations are for energy-efficiency purposes, you can apply for an energy loan at a lower rate.

> Learn more about our energy loan

Work out your renovation loan at a top-value rate

If you know how much you want to borrow for your renovations, you can work out your loan online in KBC Touch and KBC Mobile, just like you would in your KBC branch. Flexibility and convenience guaranteed!

You’ll quickly see:

  • Your rate
  • The amount you pay each month
  • The term of your loan
See what it costs you

Apply for your renovation loan online

If you like what you see after running your simulation and you’ve looked closely at the costs involved, apply for your renovation loan online (even if you’re not a customer with us).

You can use KBC Touch and KBC Mobile to get a complete overview of your loan.

You’ll quickly see:

  • 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

And if you have any questions or need advice, our KBC Live staff are on hand to assist you.

More information about the KBC Renovation Loan

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 144 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.

If so, there are even more ways to get financing for your renovation or home improvement plans, but that's something we should look at together. In addition, you can also finance your project to buy or renovate a property with the low-cost Flemish renovation loan.

Instalment loan details

See what it costs you

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.

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