Belgian mortgage calculator · BeeHabi

2026 ordinary-home calculations and explicitly labelled 2027 planning scenarios. Future tax rules, eligibility and deed fees need confirmation. Special transactions require a notary.

BE / EN · 2026–2027

Monthly payment is not the whole borrowing cost

The mortgage calculator uses the amount borrowed, an explicit nominal annual interest rate divided by 12 and the loan term in years to derive a constant monthly instalment. The total interest is the total of those instalments minus the borrowed principal.

Practical explanation

Change the term or nominal rate and see the payment update without resetting the property purchase budget.
Insurance, lender fees, deed costs and variable-rate resets are not included in this mathematical example.
A bank’s APR/TAEG is not interchangeable with the nominal borrowing rate used in the formula.

2026 ordinary-home calculations and explicitly labelled 2027 planning scenarios. Future tax rules, eligibility and deed fees need confirmation. Special transactions require a notary.

Official references

Notary ↗

Sources reviewed 1 November 2026; no legal certification.