{"id":1615,"date":"2024-06-07T12:53:10","date_gmt":"2024-06-07T12:53:10","guid":{"rendered":"https:\/\/hypotheekenbuitenland.nl\/belgium\/funding-rate-belgium\/"},"modified":"2024-06-07T14:32:59","modified_gmt":"2024-06-07T14:32:59","slug":"funding-rate-belgium","status":"publish","type":"page","link":"https:\/\/hypotheekenbuitenland.nl\/en\/belgium\/funding-rate-belgium\/","title":{"rendered":"Funding rate Belgium"},"content":{"rendered":"

Funding rate Belgium<\/h1><\/div><\/div><\/div><\/div><\/div>
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Funding rate<\/h2><\/div>
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The maximum financing rate in Belgium for non-resident buyers is currently 70% – 80% of the purchase price. Hypotheek & Buitenland works with a number of Belgian banks that can also finance Dutch people who want to finance a main residence or vacation home.<\/strong><\/p>\n<\/div>

<\/i><\/i><\/span>Purchase of a principal residence<\/span><\/a><\/h4><\/div>
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For Dutch people with income from the Netherlands who want to buy a primary residence in Belgium, in practice, up to 80%<\/strong> can be financed. Occasionally they go up to 90% of the purchase price, but that is reserved for younger buyers. Also for residents of Belgium, the maximum borrowing rate is 80%-90%.<\/p>\n<\/div><\/div><\/div>

<\/i><\/i><\/span>Purchase of a vacation home or rental property<\/span><\/a><\/h4><\/div>
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For non-residents<\/strong> of Belgium, the maximum financing rate is 70% <\/strong>if a vacation home or rental property is purchased.<\/strong> There are some Belgian banks that can also finance non-resident buyers.<\/p>\n<\/div><\/div><\/div>

<\/i><\/i><\/span>Dutch banks<\/span><\/a><\/h4><\/div>
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There are currently no Dutch banks financing houses in Belgium.<\/p>\n<\/div><\/div><\/div>

<\/i><\/i><\/span>Low borrowing rate<\/span><\/a><\/h4><\/div>
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The lower the loan rate the lower the risk to the bank and the sooner a bank will usually be willing to grant a mortgage loan. Keep in mind that it is not true that the lower the loan amount the easier it becomes to get a mortgage. For loan amounts under \u20ac100,000, the banks are not hot.<\/p>\n<\/div><\/div><\/div>

<\/i><\/i><\/span>Origin of own contribution<\/span><\/a><\/h4><\/div>
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If the equity comes into the purchase of another loan, that is a problem for some banks. People want to see their own money come from savings.<\/p>\n<\/div><\/div><\/div>

<\/i><\/i><\/span>Resident or non-resident<\/span><\/a><\/h4><\/div>
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Non-residents means buyers who are not yet (tax) residents of Belgium at the time of purchase.<\/p>\n<\/div><\/div><\/div><\/div><\/div>