Discover the benefits of our mortgage loan
From a guaranteed interest rate to a green mortgage label, discover all the benefits of a mortgage loan.
Daily banking
Bank accounts
Bank cards
Payments
Save and invest
Invest
Save and invest with a goal
Our investment solutions
Financing a property
Finance a vehicle
Borrowing money also costs money
- Discover the personal instalment loan to also finance higher education
Family protection
Home protection
Mobility protection
By your side
Specific approach
Online and mobile banking
Daily banking
Bank accounts
Bank cards
Payments
Our advice
Did you know?
Save and invest
Invest
Save and invest with a goal
Our investment solutions
Our advice
Did you know?
Financing a property
Finance a vehicle
Fund a project
Our advice
Borrowing money also costs money
Borrowing money also costs money
- Discover the personal instalment loan to also finance higher education
Family protection
Home protection
Mobility protection
Our expertise
Did you know?
By your side
Specific approach
Online and mobile banking
Contact us
Did you know?
Warning: borrowing money also costs money.
LOANS
Mortgage loan: do an online simulation
Calculate your mortgage loan
Do you have a property project and want to finance it? Determine your repayment capacity and calculate the amount of your home loan using our simulator:
- Choose to calculate your mortgage based on the amount you want to borrow or future monthly payment.
- Customise your simulation and click on "Calculate".
- Need help? Click on the “Help me calculate...” link.
- You can directly make an appointment to finalise your application.
Choose for greater flexibility
The duration of a mortgage loan is usually between 10 and 25 years. So, it's better to choose a loan that can evolve according to your financial or family situation.
A guaranteed interest rate for four months
When you apply for a mortgage loan, you have 1 month to sign our offer. You then have an additional 3 months to have the deed of sale of your future home drawn up and signed by a notary. During this entire period, your interest rate is guaranteed.
Reduce your interest rate? Five times rather than once
The principle is simple: you can reduce the interest rate of your new loan by meeting 5 conditions. For example, the energy performance (PEB) of your home must be less than or equal to 150 kWh/m2/year. Each condition met results in a reduction of the interest rate*.
Reduced monthly payments for the first three years
You have the option to reduce your first monthly payments by only paying the interest. You will then start repaying the capital after a maximum of 36 months, ideal if you still have rent or childcare costs to pay.
EEM label for energy-efficient mortgage loans
We are the first bank in Belgium to apply the European Energy Efficient Mortgage (EEM) label. It guarantees that mortgage loans with this label are intended for energy savings. They then qualify for a more attractive interest rate. The EEM label applies to mortgage loans for new constructions, the purchase of homes with an energy label A, and the renovation of homes that improve energy efficiency by at least 30%. If you opt for an energy-efficient project, you can benefit from reductions and attractive interest rates*.
Cancellation of the reservation fee
When you take out a mortgage loan, the bank “reserves” the total amount of your loan. At that point, you must pay a reservation fee, calculated on the amounts not yet withdrawn from your loan. However, BNP Paribas Fortis does not charge a reservation fee for the first year. You build and the energy performance of your home does not exceed a certain threshold? You buy a property and the work includes at least one investment to save energy? In both cases, no reservation fee will be due*.
Withdraw repaid capital with a loan redemption? It's possible!
Have you already repaid part of your mortgage loan and want to further improve the comfort of your home? You can re-borrow the already repaid capital (subject to conditions). Our flexible home loan even allows you to borrow, according to your needs, up to 120% of the initial capital. You will thus avoid new costs such as notary fees, for example.
Learn more about flexible loans.
| Your situation | |
| Your tailored mortgage loan | 100.000 euros |
| Amount already repaid | 20.000 euros |
| Planned renovation | 40.000 euros |
| How much can you withdraw again? | |
| Amount already repaid | 20.000 euros |
| +20% of your initial loan | 20.000 euros |
| Total amount you can withdraw again | 40.000 euros |
A mortgage loan with repaid interest?
Are you buying an energy-intensive home in Flanders? Are you undertaking work to significantly improve its energy performance within 5 years? In this case, you can, under certain conditions, obtain a mortgage loan with repaid interest (in part) by VEKA (Flemish Energy and Climate Agency). This is the "renteloos renovatiekrediet" (interest-free renovation loan). If you want more information on this, do not hesitate to contact one of our advisors.
What will be the cost of my mortgage loan?Simulate my mortgage loan
Personalised advice?
Are you waiting for an offer, do you need more time, are you wondering which loan is best suited to your project? Do you want advice or guidance for your application? An expert advisor is available for you.
Call us at 02 433 41 36 or make an appointment at your agency.
Our other solutions for your home
-
Renovation loan (Instalment loan)
Want to transform your home according to your desires? With us, you finance your work at an attractive interest rate, up to 3 months after the invoice date. You can also borrow – according to your needs – up to 130% of the value of your project. Simulate and apply for your loan online!
-
Energy loan (instalment loan)
Insulation, solar panels, green roof, water-saving system… Want to reduce your home's energy consumption and improve your quality of life? Finance your projects at an attractive interest rate. Make a simulation and apply online.
-
Insure what matters to you
AG's Top Home Insurance offers you peace of mind. It covers your home and its contents, but also, without additional premium, solar panels, garage, garden shed… It allows you to rebuild according to environmental standards in case of damage. And it includes 24/7 assistance.
Also interesting for you
More information?
Get more information through the various documents available below. You can also contact one of our advisors at the agency or via our Easy Banking Centre. They are available by phone or video call, by appointment, from Monday to Friday from 9am to 12.30pm and from 1.30pm to 8pm at 02 762 90 00.
Legal Information
Loan type: mortgage loan for real estate or movable property. The provisions of the mortgage loan in Chapter 2 of Title 4 of Book VII of the Economic Law Code apply. Subject to acceptance of your application by BNP Paribas Fortis SA, lender, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.
Energy Loan - Loan type: instalment loan. The provisions relating to consumer credit of Chapter 1 of Title 4 of Book VII of the Economic Law Code apply. Covers all measures to save energy in the home, including the purchase and/or installation of frames and double glazing, heating and boilers, insulation materials, solar panels, energy audit and all other materials and work intended to achieve energy savings in the home. Subject to acceptance of your application by AlphaCredit SA, lender, Montagne du Parc 8 box 3, B-1000 Brussels, RPM Brussels, VAT BE0445.781.316. Agent: BNP Paribas Fortis SA, Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702.
Renovation Loan - Loan type: instalment loan. The provisions relating to consumer credit of Chapter 1 of Title 4 of Book VII of the Economic Law Code apply. Subject to acceptance of your application by Alpha Credit SA, lender, Montagne du Parc 8/C, 1000 Brussels – RPM Brussels – VAT BE 0445.781.316. Agent: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.
Top Home insurance is an insurance policy distributed by BNP Paribas Fortis under Belgian law. To know the exact scope of the coverage, refer to the general conditions of this product, which can be found on bnpparibasfortis.be and in all our agencies. You can also obtain them by calling the Easy Banking Centre at 02 762 90 00.
AG Insurance (in short AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the control of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.
Intermediary: BNP Paribas Fortis SA – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702, is registered under this number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a participation of more than 10% in AG Insurance SA.
Share your Easy Banking Web screen
If you are currently in phone or chat contact with an Easy Banking advisor, you can start sharing your Easy Banking Web screen.