Mortgages repayable in constant monthly instalments
Monthly credit charge in increments of € 10,000.00
Please refer to the conditions at the bottom of the page.
Tableau récapitulatif de nos meilleurs taux hypothécaires nets au 12/04/2024
| Rate type | Maximum variation cap + and - % (Txt) | Quota | Conditions for obtaining the lowest rate | Rate % monthly interest | Annual % interest rate | Number of years of credit / monthly payments in € | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 10 | 15 | 20 | 25 | 30 | |||||||||||||
| Variable formulas | |||||||||||||||||
| 1/1/1 (conditions) | +3,00/-3,00 | < 80 % | A.B.C.(2+4) | 0,3100 | 3,78 | 51,25 | |||||||||||
| 1/1/1 (conditions) | +3,00/-3,00 | < 90 % | A.B.C.(2+4) | 0,3260 | 3,98 | 52,30 | |||||||||||
| 1/1/1 (conditions) | +3,00/-3,00 | < 100 % | A.B.C.(2+5) | 0,3620 | 4,43 | 54,70 | |||||||||||
| 3/3/3 (conditions) | +2,00/-2,00 | < 75 % | A.B.C.(13) | 0,2870 | 3,50 | 49,76 | |||||||||||
| 5/5/5 (conditions) | +4,00/-4,00 | < 80 % | A.B.C.(2+4) | 0,2470 | 3,00 | 68,89 | 55,28 | 47,23 | |||||||||
| 5/5/5 (conditions) | +4,00/-4,00 | < 90 % | A.B.C.(2+5) | 0,2630 | 3,20 | 69,81 | 56,24 | 48,24 | |||||||||
| 5/5/5 (conditions) | +2,00/-2,00 | < 100 % | A.B.C.(13) PEB < 150 | 0,2920 | 3,56 | 50,08 | |||||||||||
| Semi-fixed formulas | |||||||||||||||||
| 10/5/5 (conditions) | +2,00/-2,00 | < 80 % | A.B.C.(2+4) | 0,2730 | 3,33 | 70,39 | 56,85 | 48,87 | |||||||||
| 10/5/5 (conditions) | +2,00/-2,00 | < 90 % | A.B.C.(13) | 0,2820 | 3,44 | 49,44 | |||||||||||
| 10/5/5(conditions) | +2,00/-2,00 | < 100 % | A.B.C.(13) PEB < 150 | 0,2900 | 3,54 | 49,96 | |||||||||||
| 15/5/5 (conditions) | +2,00/-2,00 | < 80 % | A.B.C.(2+4) | 0,2770 | 3,38 | 57,10 | |||||||||||
| 15/5/5 (conditions) | +2,00/-2,00 | < 90 % | A.B.C.(2+5) | 0,2930 | 3,57 | 58,08 | |||||||||||
| 15/5/5 (conditions) | +2,00/-2,00 | < 100 % | A.B.C.(2+5) | 0,3290 | 4,02 | 60,32 | |||||||||||
| 15/5/5 (conditions) | +2,00/-2,00 | < 80 % | A.B.C.(2+4) | 0,2790 | 3,40 | 49,25 | |||||||||||
| 15/5/5 (conditions) | +2,00/-2,00 | < 90 % | A.B.C.(2+5) | 0,2950 | 3,60 | 50,28 | |||||||||||
| 15/5/5 (conditions) | +2,00/-2,00 | < 100 % | A.B.C.(2+5) | 0,3310 | 4,05 | 52,63 | |||||||||||
| 20/5/5 (Conditions) | +3,00/-3,00 | < 80 % | A.B.C.E.(9) | 0,2630 | 3,20 | 48,24 | |||||||||||
| 20/5/5 (conditions) | +3,00/-3,00 | < 90 % | A.B.C.E.(9) | 0,2710 | 3,30 | 48,74 | |||||||||||
| 20/5/5 (conditions) | +3,00/-3,00 | < 100 % | A.B.C.E.(9) | 0,3190 | 3,90 | 51,84 | |||||||||||
| Fixed Formulas | |||||||||||||||||
| Fixed 10 years (conditions) | < 80 % | A.B.C.(2+4) | 0,2610 | 3,18 | 97,17 | ||||||||||||
| Fixed 10 years (conditions) | < 75 % | A.B.C.(13) | 0,2630 | 3,20 | 97,28 | ||||||||||||
| Fixed 10 years (conditions) | < 90 % | A.B.C.(13) | 0,2710 | 3,30 | 97,73 | ||||||||||||
| Fixed 10 years (conditions) | < 100 % | A.B.C.(13) PEB < 150 | 0,2790 | 3,40 | 98,18 | ||||||||||||
| Fixed 10 years (conditions) | < 125 % | A.B.C.(2+5) | 0,3940 | 4,83 | |||||||||||||
| Fixed 13 years (conditions) | < 80 % | A.B.C.(2+4) | 0,2610 | 3,18 | |||||||||||||
| Fixed 13 years (conditions) | < 90 % | A.B.C.(2+5) | 0,2770 | 3,38 | |||||||||||||
| Fixed 13 years (conditions) | < 100 % | A.B.C.(2+5) | 0,3140 | 3,83 | |||||||||||||
| Fixed 13 years (conditions) | < 125 % | A.B.C.(2+5) | 0,3940 | 4,83 | |||||||||||||
| Mens fixed 1/1/1 15-18 (conditions) | < 80 % | A.B.C.(2+4) | 0,3220 | 3,93 | 73,29 | ||||||||||||
| Mens fixed 1/1/1 15-18 (conditions | < 90 % | A.B.C.(2+5) | 0,3380 | 4,13 | 74,25 | ||||||||||||
| Mens fixed 1/1/1 15-18 (conditions) | < 100 % | A.B.C.(2+5) | 0,3740 | 4,58 | 76,44 | ||||||||||||
| Fixed 15 years (conditions) | < 80 % | A.B.C.(2+4) | 0,2610 | 3,18 | 69,69 | ||||||||||||
| Fixed 15 years (conditions) | < 75 % | A.B.C.(13) | 0,2630 | 3,20 | 69,81 | ||||||||||||
| Fixed 15 years (conditions) | < 90 % | A.B.C.(13) | 0,2710 | 3,30 | 70,28 | ||||||||||||
| Fixed 15 years (conditions) | < 100 % | A.B.C.(13) PEB < 150 | 0,2790 | 3,40 | 70,74 | ||||||||||||
| Fixed 15 years (conditions) | < 125 % | A.B.C.(2+5) | 0,3940 | 4,83 | 77,67 | ||||||||||||
| Fixed 17 years (conditions) | < 75 % | A.B.C.(13) | 0,2630 | 3,20 | |||||||||||||
| Fixed 17 years (conditions) | < 90 % | A.B.C.(13) | 0,2710 | 3,30 | |||||||||||||
| Fixed 17 years (conditions) | < 100 % | A.B.C.(13) PEB < 150 | 0,2790 | 3,40 | |||||||||||||
| Fixed 18 years (conditions) | < 80 % | A.B.C.E.(9) | 0,2600 | 3,17 | |||||||||||||
| Fixed 18 years (conditions) | < 90 % | A.B.C.E.(9) | 0,2680 | 3,26 | |||||||||||||
| Fixed 18 years (conditions) | < 100 % | A.B.C.(2+5) | 0,3190 | 3,90 | |||||||||||||
| Fixed 18 years (conditions) | < 125 % | A.B.C.(2+5) | 0,3990 | 4,89 | |||||||||||||
| Mens fixed 1/1/1 20-25 (conditions) | < 80 % | A.B.C.(2+4) | 0,3160 | 3,86 | 59,51 | 51,64 | |||||||||||
| Mens fixed 1/1/1 20-25 (conditions) | < 90 % | A.B.C.(2+5) | 0,3320 | 4,06 | 60,51 | 52,70 | |||||||||||
| Mens fixed 1/1/1 20-25 (conditions) | < 100 % | A.B.C.(2+5) | 0,3680 | 4,51 | 62,81 | 55,11 | |||||||||||
| Fixed 20 years (conditions) | < 75 % | A.B.C.(13) | 0,2630 | 3,20 | 56,24 | ||||||||||||
| Fixed 20 years (conditions) | < 80 % | A.B.C.E.(9) | 0,2580 | 3,14 | 55,94 | ||||||||||||
| Fixed 20 years (conditions) | < 90 % | A.B.C.(13) | 0,2710 | 3,30 | 56,73 | ||||||||||||
| Fixed 20 years (conditions) | < 100 % | A.B.C.(13) PEB < 150 | 0,2790 | 3,40 | 57,22 | ||||||||||||
| Fixed 20 years (conditions) | < 125 % | A.B.C.(2+5) | 0,3990 | 4,89 | 64,83 | ||||||||||||
| Fixed 22 years (conditions) | < 75 % | A.B.C.(13) | 0,2630 | 3,20 | |||||||||||||
| Fixed 22 years (conditions) | < 90 % | A.B.C.(13) | 0,2710 | 3,30 | |||||||||||||
| Fixed 22 years (conditions) | < 100 % | A.B.C.(13) PEB < 150 | 0,2790 | 3,40 | |||||||||||||
| Mens fixed 1/1/1 25-30 (conditions) | < 80 % | A.B.C.(2+4) | 0,3220 | 3,93 | 52,04 | 46,96 | |||||||||||
| Mens fixed 1/1/1 25-30 (conditions) | < 90 % | A.B.C.(2+5) | 0,3380 | 4,13 | 53,09 | 48,06 | |||||||||||
| Mens fixed 1/1/1 25-30 (conditions) | < 100 % | A.B.C.(2+5) | 0,3740 | 4,58 | 55,52 | 50,60 | |||||||||||
| Fixed 25 years (conditions) | < 75 % | A.B.C.(13) | 0,2630 | 3,20 | 48,24 | ||||||||||||
| Fixed 25 years (conditions) | < 80 % | A.B.C.(2+4) | 0,2670 | 3,25 | 48,49 | ||||||||||||
| Fixed 25 years (conditions) | < 90 % | A.B.C.(13) | 0,2710 | 3,30 | 48,74 | ||||||||||||
| Fixed 25 years (conditions) | < 100 % | A.B.C.(13) PEB < 150 | 0,2790 | 3,40 | 49,25 | ||||||||||||
| Fixed 25 years (conditions) | < 125 % | A.B.C.(2+5) | 0,3990 | 4,89 | 57,23 | ||||||||||||
| Fixed 30 years (conditions) | < 80 % | A.B.C.E.(9) | 0,2690 | 3,28 | 43,40 | ||||||||||||
| Fixed 30 years (conditions) | < 90 % | A.B.C.E.(9) | 0,2770 | 3,38 | 43,93 | ||||||||||||
| Fixed 30 years (conditions) | < 100 % | A.B.C.E.(9) | 0,3260 | 3,98 | 47,24 | ||||||||||||
| Fixed 30 years (conditions) | < 125 % | A.B.C.(2) | 0,4270 | 5,25 | 54,44 | ||||||||||||
Rates and conditions can change every day. On the VDV CONSEIL website, the rate grid is immediately adapted to new market conditions.
Fixed 13 years instead of 15 years
Fixed 18 years instead of 20 years
Some online formulas do not work with the calculation simulator
Variable annual, fixed monthly installments accordon A.B.C. conditions(4 & 5) :
If rates fall, the initial term will decrease, if rates rise, the term will increase:
15-18 = 15 years initially, + 3 years maximum
20-25 = 20 years at inception, + 5 years maximum
25-30 = 25 years at inception, + 5 years maximum
- fixed term (bullet)
- constant capital amortization
Remarks:
For loans with 1/1/1 revision, the maximum legal variation is limited to + 1% after one year and + 2% after 2 years. The maximum cap can therefore only be reached after 3 years!
Accordion: with each rate change, you have the option of extending or shortening the initial term.
Formula for rate changes: t = to + (v-vo)
t new interest rate
to initial interest rate
v new reference index
vo initial reference index
For a young household buying its first property (an apartment, for example) and intending to resell it after a few years, a 5/5/5 or 10/5/5 formula is preferable to a fixed rate.
Deductible loan: you pay nothing for the first 6 or 12 months.
Capital exemption up to 36 months (you pay interest only for the first 5 years).
Fixed term: you pay interest only, the capital is repaid in a lump sum at the end of the term.
Fixed term + reconstitution through branch 23 and branch 21 investment funds
Panchage, two different loan formulas in the same deed
Special formulas for investment properties
We don't provide online calculation simulators, as everyone's situation is different. Please fill in the quotation request forms, and you'll receive full information.
Extend or reduce the duration of the loan.
Changing the repayment method during the term of the loan.
Change from variable-rate to fixed-rate or vice versa.
Deferral of principal during the term of credit.
Reimbursement of up to 120 or 150% of the outstanding balance.
CONDITIONS - Legends and explanations :
Conditions for obtaining the best rate: none = total freedom of insurance and banking relationship
- A = domiciliation of income
- B = life insurance outstanding balance
- C = fire + family insurance
- D = first home, max. €260,000, max. 20 years, ch/income ratio max. 40%, €2,000 available after payment of loan charges, rate + 0.80% without direct debit.
- E = depending on income, age and profession. Conditions on request
- G = savings commitment on account or pension savings
- H = excellent files, disposable income of €2,000, after loan charges, loan charges to income ratio 33% maximum, double insurance against death, Balance Remaining Due. (+0.10% if only one S.R.D., +0.20% without direct debit).
Loan-to-value ratio: Ratio between the amount of the loan and the market value of the property.
(2) Si vous résiliez les conditions A.B.C. par la suite, le taux initial sera maintenu !
(3) CDI depuis minimum 3 ans, revenu disponible après charges d’emprunts de 2.200 € pour un couple, 1.500 € pour un isolé, charges/revenus maximum 40 %
(4) trois critères à remplir : revenus > 2.000 € (ou 1.500 € pour un isolé) après charges d’emprunts, quotité <= 80 %, rapport ch/revenus <=40 %
(5) deux critères à remplir : revenus > 2.000 € (ou 1.500 € pour un isolé) après charges d’emprunts, rapport ch/revenus <=40 %, hors refinancement
(6) Hausse de taux de + 0,10 % par résiliation de condition par après ou au départ
(7) fonctionnaires titulaires EU (Commission, Conseil, Parlement, Cour de justice, Cour des comptes) et fonctionnaires Eurocontrol + A domiciliations des revenus
(8) assurances obligatoires, libre choix de l’assureur
(9) Hausse de taux de + 0,50 % si les conditions ne sont plus respectées
(10) pour un prêt de maximum 450.000 € et une 1ère habitation, ce taux peut encore être diminué de 0,10% si revenu de minimum net de 4.000 € pour un couple ou 2.500 € pour un isolé, pas valable pour un rachat d’emprunt.
(11) hausse du taux de + 0,25 % si les conditions d’assurances ne sont plus respectées.
(12) 0 ou 1 critère : revenus > 4.000 € (2.200 € isolé) ou disponible > 3.000 €, ch/revenus < 40 %; bien d’habitation uniquement.
(13) 2 critères : revenus > 4.000 € (2.200 € isolé) ou disponible > 3.000 €, ch/revenus < 40 %; bien d’habitation uniquement.
To establish the grid, we analyze the various possibilities, taking into account the best rates without bonds as well as the best rates with conditions and linked products.
Not all formulas are displayed.
This information is provided for information purposes only and is subject to acceptance by the lending company(ies).
It does not constitute an offer of credit.