How Much Can I Borrow in Belgium?
Enter your net income, your savings and the interest rate you expect: you will see roughly how much you can borrow, the maximum purchase price and whether your income or your savings set the limit.
General values (Belgium). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your net income per month and the savings you have available.
- Add the annual interest rate you expect and the term.
- Check the percentages for Belgium and adjust them if needed.
- See the maximum purchase price, the breakdown and which limit applies.
How it is calculated
Two purchase prices are calculated and the lower one applies. By income: the loan whose monthly payment is the chosen share of your income, plus your savings, minus buying costs. By savings: the purchase price at which your savings exactly cover the part that is not financed and the costs. The monthly rate is the actuarial equivalent of the annual rate. The percentages are guide values for Belgium. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
- FAQ - Prudentiële verwachtingen van de NBB voor nieuwe hypothecaire leningen in België — National Bank of Belgium
- Hoeveel van mijn inkomen mag ik besteden aan een woonlening? — Bouwinfo
- Registratierechten 2026: Wallonië, Brussel, Vlaanderen — Housing Service
- Notariskosten in België: alles wat je moet weten in 2026 — Immomakelaarvergelijker
- Prêt hypothécaire en Belgique : guide complet 2026 — Housing Service
About this calculator
How it is calculated
Buying a home has two limits at once. The first is the monthly payment: the rule of thumb is that it should not exceed a third of your net income. The second is your savings: with financing up to 90%, you pay the remaining 10% and the buying costs yourself. The calculator works out the purchase price for each limit and takes the lower one.
What banks in Belgium look at
The National Bank expects banks to be careful with loans above 90% of the value, especially if the repayments also take up more than half of the income. The bank also looks at your other loans, your job security and what you have left to live on after the payment.
Buying costs in Belgium
For your sole own home you pay 2% registration duties in Flanders, 3% in Wallonia and 12.5% in Brussels, where the first €200,000 is exempt (for homes up to €600,000). On top come the notary’s fee and the costs of the loan deed. For a €250,000 home in Flanders, the purchase alone costs about €9,400; with a loan, a few thousand euros more. The 6% is a general guide value: check it with your bank or notary.
Frequently asked questions
What decides how much home I can afford?
Two things at once: your income sets the highest monthly payment (rule of thumb: a third of your net income) and your savings have to cover the part that is not financed and the buying costs. The calculator compares both limits and tells you which one applies.
Why are the buying costs not included in the loan?
For an owner-occupied home, banks generally finance up to 90% of the value. You therefore pay registration duties, the notary and the loan deed with your own funds.
Net or gross income?
Belgian banks look at the household's net income. If you are buying as a couple, add both incomes together.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Belgium, the share of income covers all your debts, so those payments come off what is left for the mortgage.
Updated 14 October 2026
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