Loan Calculator Belgium 2026 — Amortisation Schedule & Monthly Payment

Loan parameters

Fill in the fields below

🏠 Property price / Total amount

€

5 000 €1 000 000 €

🏦 Down payment

€

0 €500 000 €

💶 Net loan amount

€

— Auto-calculated: price − down payment

📊 Annual interest rate

0,1 %15 %

📅 Loan duration

ans

1 year30 ans

⚙️ Repayment type

Same total amount each period. Interest decreases progressively.

⚠️ Indicative simulator — Consult your bank or broker before any commitment.

💶

Monthly payment

—

per month

📉

Total interest

—

Total cost: —

📊

Estimated APR

—

All-inclusive rate

Amortisation table

📋

Amortisation table

Enter parameters and click Calculate

Master your amortisation schedule in Belgium

A mortgage or professional loan is a long-term commitment. Understanding your amortisation schedule helps you manage your budget and negotiate the best terms with Belgian banks.

Monthly payments: each payment includes an interest portion and a capital repayment portion

Loan-to-value ratio: below 80% generally gives you better interest rates

Fixed vs variable rate: fixed offers security, variable may be more advantageous short-term

Tip: Simulate different durations (15, 20, 25 years) to find the optimal balance between monthly payment and total credit cost.

🏠 Also estimate your registration duties with our Property Simulator →

❓ Frequently asked questions about Belgian mortgage loans

What is the difference between constant annuity and constant capital repayment ?▼

With constant annuity, you pay the same monthly instalment throughout the loan, but the interest portion decreases progressively. With constant capital, the capital repayment stays fixed, but monthly payments decrease over time.

How is a Belgian loan amortisation table calculated ?▼

The amortisation table breaks down each monthly payment into capital repaid and interest paid. For a €200,000 loan at 3.5% over 25 years, the monthly payment is approximately €1,001.

What is the average interest rate for a Belgian mortgage in 2026 ?▼

In 2026, fixed rates for a 20-year mortgage generally range between 3% and 4.5% depending on the bank and borrower profile. Always compare the APR for a fair comparison.

Can you make early repayment on a Belgian mortgage ?▼

Yes, early repayment is legally possible. For fixed-rate loans, a reinvestment fee may apply, capped at 3 months' interest on the repaid amount.

Credit simulator

Loan parameters

Master your amortisation schedule in Belgium

❓ Frequently asked questions about Belgian mortgage loans