🇧🇪 Brussels · Wallonia · Flanders 🏦 Tool

What property can I buy

The bank answers "here is what you can borrow". That is not a price: purchase costs cannot be borrowed, they come out of your own savings. This tool finishes the calculation, region by region.

Your income

Per month, everything included: salaries, benefits, net rental income.
Monthly payments on other credit: car, instalment loan, renovation.
What you can actually put down: savings, a gift, the sale of a property.

The loan

Indicative fixed rate. Compare it with what your bank actually offers.
In years. Beyond 25 years most banks tighten up.
Share of income going to the loan. 33% is an industry recommendation, not a law.

The property

The region sets the registration duties, and therefore the costs.
The reduced rate applies only to the home you will live in, if you own no other.
In Brussels the allowance is increased by €25,000 if the property reaches the required energy performance.

🏦 What it comes to

Maximum monthly payment
—
Income × debt ratio − existing payments
Borrowable capital
—
What the bank can lend
Reachable price
—
Purchase costs taken out of savings
Left to live on
—
What remains each month

Where your savings go

Savings available—
Purchase costs payable in cash—
Savings left for the property—
Loan-to-value—
Interest paid over the term—
Total repaid—

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📉 What the term changes

A longer loan lowers the monthly payment and raises the capital — but the interest cost climbs fast. Both effects side by side, at the same maximum monthly payment.

Term Capital Interest Total repaid

The method, and its limits

What is mathematics

The constant-annuity amortisation formula is exact: a monthly payment, a rate and a term give a capital, with no room for interpretation. Purchase costs come from the same engine as our purchase costs calculator — regional registration duties, fees on scale J of the royal decree consolidated on 9 February 2026, administrative costs and VAT.

What is a convention

The 33% debt ratio is written in no law. It is an industry practice that banks adjust: a high-income household is granted more, because what is left to live on matters more than the percentage. The field is therefore editable, and that is deliberate.

What the calculation does not cover

The bank also looks at what this simulator ignores: job security, seniority, household composition, your record at the Central Individual Credit Register, and the property's appraised value, which can be lower than the agreed price. Outstanding balance insurance and bank arrangement fees are not counted here. Finally, the loan-to-value shown assumes all remaining savings go into the property.

🤝

An agreement in principle from a bank costs nothing and is worth more than any simulation, ours included. Get two or three: over twenty-five years, a quarter of a point is worth thousands of euros.

Further reading