Borrowing capacity
Enter your net income, existing charges and own funds. We show what a Belgian bank will typically allow, and which of the two limits binds in your case.
Combined, after tax. With two borrowers, add both incomes together.
Car loan, other credits, maintenance payments. Not your current rent.
Excluding purchase costs, which you normally pay separately.
Indicative market level. Your own rate depends on your profile.
You could likely borrow
€ 235.733
at a monthly payment of € 1.155 over 25 years
Based on income
€ 235.733
Based on own funds (90% LTV)
€ 360.000
Maximum purchase price
€ 275.733
Your income is the binding limit here: banks keep total credit charges at around 33% of net income.
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Compare your offersBelgian banks work to a rule of thumb that all your credit charges together stay at or below roughly a third of net household income. Some stretch to 40% for higher earners, others stay under 30%. It is not law but internal risk policy, and it varies by lender.
Loan-to-value is the ratio between the amount borrowed and the property value. The National Bank steers lenders towards a maximum of 90% for an owner-occupied home and 80% for buy-to-let. With €40,000 of own funds at 90% LTV you can buy a property of about €400,000, whatever your income.
Alongside the income ratio, the bank looks at what is left each month once all credit charges are paid. Lenders often aim for around €1,100 for a single borrower and €1,500 or more for a couple. If too little remains, the bank lends less even when the one-third rule is satisfied.
Your maximum monthly payment is fixed by your income. The higher the rate, the more of that payment goes to interest rather than capital, and the less you can borrow. Half a percent of rate can easily be worth €15,000 of capacity over a 25-year term.
This calculation is indicative and based on common Belgian banking practice. Each lender uses its own scoring model and may differ. Only a credit offer from a bank is binding.
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