Over how many years to borrow?

In Belgium, terms of 20 to 25 years are common.

Which rate should I use?

Use your bank's fixed rate; otherwise around 3 to 3.5 % gives a realistic figure in 2026.

Free calculator

Compute your monthly payment, total cost of credit and interest, based on amount, rate and term.

Loan amount

€

Annual rate

Term

years

Estimated monthly payment

1 238 €/mois

Excluding outstanding-balance and fire insurance.

Total repaid

371 400 €

Cost of credit (interest)

121 400 €

Indicative fixed-rate simulation. The actual rate and fees depend on your bank and profile. This is not a credit offer.

A fixed-rate loan is repaid in constant monthly instalments. A longer term lowers the monthly payment but raises the total interest cost.

The monthly figure excludes balance and fire insurance and file fees. Banks usually require a personal contribution.

Over how many years to borrow?: In Belgium, terms of 20 to 25 years are common.
Which rate should I use?: Use your bank's fixed rate; otherwise around 3 to 3.5 % gives a realistic figure in 2026.