Calculator — 2026 rates
Mortgage loan: monthly payment and total cost
How much will I pay each month? How much will the loan cost in total? What is my borrowing capacity with my salary? Answers below.
Things to remember before signing
- Max debt ratio ~33 % of your net monthly income (Belgian banks norm). Beyond, refused except with strong guarantees.
- Minimum down payment 10-20 % required almost everywhere since 2020 (NBB prudential norm). 100 % financing has become rare.
- Outstanding balance insurance quasi-mandatory (the bank requires it). Cost: ~ €5 to €15 per month for €100,000 depending on age and health.
- Fixed vs variable rate: fixed is protective but often 0.3-0.7 % more expensive. For a loan > 15 years, fixed is recommended as long as rates aren't abnormally low.
- Compare 3-4 banks: gaps often reach 0.5 %, i.e. €10,000-20,000 over 25 years for a €250,000 loan. Make competition work for you.
Sources officielles
Calcul nominal à mensualités constantes (annuités françaises). N'inclut PAS l'assurance solde restant dû (~5-15 €/mois pour 100 000 €) ni l'assurance incendie obligatoire. Pour un taux personnalisé, demandez plusieurs offres et comparez le TAEG.
- Banque nationale de Belgique — Taux moyens crédits hypothécaires— Taux observés mensuels par durée et type
- FSMA — Information consommateur crédit hypothécaire— Régulateur du secteur financier belge
- Wikifin — Outil de comparaison neutre— Service public belge d'éducation financière
Dernière vérification : mai 2026