Mortgage loan (home loan)

KBC Home Loan: work out and see your eligibility fast online

Mortgage loan (home loan)

KBC Home Loan: work out and see your eligibility fast online

Check your home loan eligibility without obligation

Find out fast if you’re eligible without the wait.

Get the same low rate as you would at our branches

See your rate including any discounts you’re entitled to.

Contact us for expert advice

Give us a call or chat with us for more details or help.

Calculate your mortgage loan
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Got a question about repaying your home loan in these coronavirus times?

Find the answer here.

What is a mortgage loan?

Got plans to build or want to buy or build a house or apartment? With a mortgage loan for immovable property, you can borrow a share of the money you’ll need. This loan is mostly covered by a mortgage and/or a power of attorney to create a mortgage.

You can apply to KBC for a mortgage loan only if you live in Belgium and receive your principal income in euros.

Why go for a mortgage loan from KBC?

Our expert advice will help you make the right decision. It only takes a few minutes to use our calculator to get answers to questions like: How much can I borrow? How long should I borrow for? Should I opt for a fixed or a variable interest rate? What is the total cost? What are the tax implications?

Work out and see your loan eligibility fast online

  • Get the same low interest rate as you would at our branches
  • See right away whether we can give you a home loan
  • Get answers to queries or help with your application from one of our experts (call or chat with us)
  • Check everything one last time and sign your contract online
Work it out now

How much can you borrow?

The amount you can borrow depends on three factors

  1. How much you can pay back
    A good rule of thumb: the total of your monthly credit obligations may not be higher than 40% of the monthly net household income.
  2. The cost of your home and the amount that you’ve already saved
    You can never borrow more than the total cost of your home. KBC also expects you to finance part of the project with your own funds.
  3. The guarantees that you can give the bank
    KBC requests collateral to cover themselves against the risk that you no longer repay your loan. A mortgage is usually established on the property, giving the bank the right to sell it if you can no longer meet your credit obligations.
See how much you can borrow

Which term or interest rate should you choose?

Term of your home loan

A home loan is a useful way of financing your home. But which term will you choose?

Which interest rate should you choose?

Should you choose a fixed or a variable interest rate? Find out what both options involve.

We recommend this insurance

Mortgage protection cover

mortgage protection cover

This type of insurance is a way of protecting your family if you or your partner dies during the term of the loan. If that happens, the insurance relieves your loved ones of the burden of paying off the loan.
→ See more on our mortgage protection cover

Home insurance

home insurance

When you own your own home, it's important to fully insure it against fire and other risks. A home insurance policy covers you for repairs to – or the rebuilding of – your home following a fire. It also provides cover against storms, natural disasters, water damage and other disasters.
→ See more on home insurance

Free guaranteed housing insurance from the Flemish government

guaranteed housing insurance

When you buy, build or renovate a house with a home loan, you can take out free insurance through the Flemish government. The cover applies for ten years and helps pay your mortgage for up to three years if you become involuntarily unemployed or unable to work (a three-month waiting period applies).
→ See more on guaranteed housing insurance (in Dutch)

Good to know

If you take out both home insurance and mortgage protection cover with us and have your salary paid into a KBC Current Account, you also get our special KBC Convenience Rate. And the more of a down payment you can make, the better the rate we can give you.

What will your mortgage loan cost?

Work out and see your loan eligibility fast online

Lender: KBC Bank NV, Havenlaan 2, 1080 Brussels, Belgium VAT BE 0462.920.226 – RLP Brussels – FSMA 026 256 A. Subject to your loan application being approved by KBC Bank NV.

KBC Bank does not offer loan agreements in foreign currencies. By law, these sorts of loan agreements are defined as loan agreements under which the credit:

  • is expressed in another currency in which the consumer receives the income or holds the assets out of which the loan is to be repaid; or
  • is expressed in another currency than that of the member state where the consumer resides.

KBC Bank therefore concentrates exclusively on individuals who live in Belgium and whose main income is in euros.

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