# OUR BEST MORTGAGE RATES

Mortgage loans with fixed monthly repayments

Monthly cost of loan for every € 10,000.00

Please check conditions at the bottom of the page

Table summarising our best net mortgage rates as at 11/09/2019

Type of rate | Maximum variation cap + and -% | Loan-to-value | Conditions for obtaining the lowest rate | Monthly interest rate % | Annual interest rate % |
Number of years for loan / monthly repayments in € | |||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|

10 |
15 |
20 |
25 |
30 |
|||||||||||||

Variable Plans | |||||||||||||||||

1/1/1 (conditions) | +1,26/-1,26 | < 90 % | A.B.C.E. | 0,1040 | 1,26 | 88,68 | 60,95 | 47,10 | 38,82 | ||||||||

1/1/1 (conditions) | +1,76 /-1,76 | < 100 % | A.B.C.E. | 0,1450 | 1,75 | 90,85 | 63,16 | 49,37 | 41,13 | ||||||||

3/3/3 (conditions) | +1,18/-1,18 | < 75 % | A.B.C.E. | 0,0980 | 1,18 | 60,63 | |||||||||||

5/5/5 (conditions) | +1,09/-1.09 | < 90 % | A.B.C.E. | 0,0900 | 1,09 | 87,95 | |||||||||||

5/5/5 (conditions) | +1,56/-1,56 | < 100 % | A.B.C.E. | 0,1290 | 1,56 | 90,00 | |||||||||||

Half-Fixed Plans | |||||||||||||||||

10/5/5 (conditions) | +1,40/-1,40 | < 80 % | A.B.C.E. | 0,1160 | 1,40 | 61,59 | 47,76 | 39,49 | |||||||||

10/5/5(conditions) | +1,80/-1,80 | < 100 % | A.B.C.E. | 0,1490 | 1,80 | 63,38 | 49,59 | 41,36 | |||||||||

15/5/5 (conditions) | +1,40/-1,40 | < 80 % | A.B.C.E. | 0,1160 | 1,40 | 47,76 | |||||||||||

15/5/5 (conditions) | +1,80/-1,80 | < 100 % | A.B.C.E. | 0,1490 | 1,80 | 49,59 | |||||||||||

15/5/5 (conditions) | +1,45/-1,45 | < 80 % | A.B.C.E. | 0,1200 | 1,45 | 39,71 | |||||||||||

15/5/5 (conditions) | +1,85/-1,85 | < 100 % | A.B.C.E. | 0,1530 | 1,85 | 41,59 | |||||||||||

20/5/5 (conditions) | +1,88/-1,88 | < 90 % | A.B.C.E. | 0,1550 | 1,88 | 41,71 | |||||||||||

20/5/5 (conditions) | +2,72/-2,72 | < 100 % | A.B.C.E. | 0,2240 | 2,72 | 45,81 | |||||||||||

Fixed Plans | |||||||||||||||||

Fixed 10 years (conditions) | < 80 % | A.B.C.E. | 0,0880 | 1,06 | 87,85 | ||||||||||||

Fixed 10 years (conditions) | < 75 % | A.B.C.E. | 0,0900 | 1,09 | 87,95 | ||||||||||||

Fixed 10 years (conditions) | < 90 % | A.B.C.E. | 0,0970 | 1,17 | 88,32 | ||||||||||||

Fixed 10 years (conditions) | < 100 % | A.B.C.E. | 0,1210 | 1,46 | 89,58 | ||||||||||||

Fixed 10 years (conditions) | < 100 % | A.B.C.E. | 0,1230 | 1,49 | 89,69 | ||||||||||||

Fixed 13 years (conditions) | < 80 % | A.B.C.E. | 0,0990 | 1,19 | |||||||||||||

Fixed 13 years (conditions) | < 90 % | A.B.C.E. | 0,1170 | 1,41 | |||||||||||||

Fixed 13 years (conditions) | < 100 % | A.B.C.E. | 0,1320 | 1,60 | |||||||||||||

Fixed 13 years (conditions) | < 100 % | A.B.C.E. | 0,1860 | 2,25 | |||||||||||||

Fixed monthly 1/1/1 15-18 (conditions) | < 80 % | A.B.C.E. | 0,1020 | 1,23 | 60,84 | ||||||||||||

Fixed monthly 1/1/1 15-18 (conditions) | < 100 % | A.B.C.E. | 0,1350 | 1,63 | 62,62 | ||||||||||||

Fixed 15 years (conditions) | < 80 % | A.B.C.E. | 0,1070 | 1,29 | 61,11 | ||||||||||||

Fixed 15 years (conditions) | < 75 % | A.B.C.E. | 0,1120 | 1,35 | 61,37 | ||||||||||||

Fixed 15 years (conditions) | < 90 % | A.B.C.E. | 0,1230 | 1,49 | 61,97 | ||||||||||||

Fixed 15 years (conditions) | < 100 % | A.B.C.E. | 0,1400 | 1,69 | 62,89 | ||||||||||||

Fixed 15 years (conditions) | < 100 % | A.B.C.E. | 0,1450 | 1,75 | 63,16 | ||||||||||||

Fixed 15 years (conditions) | < 95 % | A.B.C.E. | 0,1680 | 2,03 | 64,42 | ||||||||||||

Fixed 17 years (conditions) | < 90 % | A.B.C.E. | 0,1150 | 1,39 | |||||||||||||

Fixed 17 years (conditions) | < 100 % | A.B.C.E. | 0,1480 | 1,79 | |||||||||||||

Fixed 18 years (conditions) | < 80 % | A.B.C.E. | 0,1140 | 1,38 | |||||||||||||

Fixed 18 years (conditions) | < 90 % | A.B.C.E. | 0,1290 | 1,56 | |||||||||||||

Fixed 18 ans (conditions) | < 100 % | A.B.C.E. | 0,1470 | 1,78 | |||||||||||||

Fixed monthly 1/1/1 20-25 (conditions) | < 80 % | A.B.C.E. | 0,1090 | 1,32 | 47,38 | ||||||||||||

Fixed monthly 1/1/1 20-25 (conditions) | < 100 % | A.B.C.E. | 0,1420 | 1,72 | 49,20 | ||||||||||||

Fixed 20 years (conditions) | < 80 % | A.B.C.E. | 0,1180 | 1,43 | 47,87 | ||||||||||||

Fixed 20 years (conditions) | < 75 % | A.B.C.E. | 0,1240 | 1,50 | 48,20 | ||||||||||||

Fixed 20 years (conditions) | < 90 % | A.B.C.E. | 0,1320 | 1,60 | 48,64 | ||||||||||||

Fixed 20 years (conditions) | < 100 % | A.B.C.E. | 0,1510 | 1,83 | 49,70 | ||||||||||||

Fixed 20 years (conditions) | < 100 % | A.B.C.E. | 0,1570 | 1,90 | 50,04 | ||||||||||||

Fixed 20 years (conditions) | < 95 % | A.B.C.E. | 0,1850 | 2,24 | 51,64 | ||||||||||||

Fixed 22 years (conditions) | < 75 | A.B.C.E. | 0,1250 | 1,51 | |||||||||||||

Fixed 22 years (conditions) | < 100 % | A.B.C.E. | 0,1580 | 1,91 | |||||||||||||

Fixed monthly 1/1/1 25-30 (conditions) | < 80 % | A.B.C.E. | 0,1160 | 1,40 | 39,49 | ||||||||||||

Fixed monthly 1/1/1 25-30 (conditions) | < 100 % | A.B.C.E. | 0,1490 | 1,80 | 41,36 | ||||||||||||

Fixed 25 years (conditions) | < 80 % | A.B.C.E. | 0,1330 | 1,61 | 40,45 | ||||||||||||

Fixed 25 years (conditions) | < 75 % | A.B.C.E. | 0,1520 | 1,84 | 41,53 | ||||||||||||

Fixed 25 years (conditions) | < 90 % | A.B.C.E. | 0,1630 | 1,97 | 42,17 | ||||||||||||

Fixed 20 years (conditions) | < 100 % | A.B.C.E. | 0,1660 | 2,01 | 42,35 | ||||||||||||

Fixed 25 years (conditions) | < 100 % | A.B.C.E. | 0,1850 | 2,24 | 43,46 | ||||||||||||

Fixed 25 years (conditions) | < 95 % | A.B.C.E. | 0,1960 | 2,38 | 44,12 | ||||||||||||

Fixed 30 years (conditions) | < 80 % | A.B.C.E. | 0,1880 | 2,28 | 38,26 | ||||||||||||

Fixed 30 years (conditions) | < 100 % | A.B.C.E. | 0,2080 | 2,52 | 39,49 |

## Comments and advice

Rates and conditions can change daily on the VDV CONSEIL website; the rates schedule is immediately amended according to the new market conditions. Always check the date of updates on the websites you visit.

## Lower rates and cheaper insurances with the following plans:

Fixed for 13 years instead of 15 years

Fixed for 18 years instead of 20 years

Some plans are not online as they do not work with the calculator.

## Examples :

**Fixed monthly repayment “accordion”** option A.B.C. conditions:

In the event of a rates reduction, the initial period will decrease; in the event of a rates increase, the period can increase.

15-18 = 15 years at the start + maximum of 3 years

20-25 = 20 years at the start + maximum of 5 years

25-30 = 25 years at the start + maximum of 5 years

– fixed term (bullet)

– equal repayment of capital

**Comments:**

For credit with 1/1/1 revision, the legal maximum variation is limited to +1% after one year and +2% after 2 years; the maximum cap can therefore only occur after 3 years.

“Accordion” option: with each rate variation, you have the option of extending or shortening the initial term.

– Index A (for 1-1-1 plans)

– Index C (for 3-3-3 plans)

– Index E (for 5-5-5 and 10-5-5 plans)

Formula applied to the variation in rates : *t = to + (v-vo)*

*t* new interest rate

*to* initial interest rate

*v* new reference index

*vo* initial reference index

**For a young couple buying property for the first time** (a flat, for instance) and who intend reselling it after a few years, a 5/5/5 or 10/5/5 plan is better than a fixed rate.

## 125% Mortgage loan, several plans

125% with integrated guarantee insurance and credit-life insurance (the amount to be borrowed will be greater by +/- 8% to 10%)

## Other solutions: tailored plans: full assessment by appointment

Loan with exemption: you do not pay anything for the first 6 or 12 months

Up to 36 months capital exemption (you only pay interest for the first 5 years)

Step-By-Step, reduced repayments for the first 10 years of the loan

Fixed Term: you only pay the interest; the capital is repaid in one go at maturity

Fixed Term + build-up through Branch 23 and Branch 21 investment funds

Combination, 2 different loan plans in the same deed

Special plans for investment properties

## Credit-life insurance in the event of death and fire insurance

We do not have a calculator online as everybody’s circumstances are different. Please fill in the quotation request forms and you will then receive all the information.

## Possible flexibility with certain organizations:

Extending or shortening the current loan term

Changing the current loan’s repayment method

Changing from a variable-rate plan to a fixed-rate plan or vice versa

Deferral of the current loan’s capital

Refinancing of outstanding debt expected from the start to 120 or 150%

## CONDITIONS – Legends and explanations:

Terms for granting and obtaining the best rate: none = total freedom in terms of insurances and banking relationship

– A = domiciliation of income

– B = credit-life insurance in the event of death

– C = fire insurance, family insurance

– D = first home, maximum of €260,000, maximum of 20 years, cost/income ratio 40% max., €2,000 available after payment of loan costs, rate + 0.80% with no income domiciliation.

– E = Depending on income, age and occupation. Conditions on request.

– G = account savings or retirement savings commitment

– H = excellent records, disposable income of €2,000 after loan costs, cost/income ratio of 33% maximum, 2 credit-life insurances in the event of death (+0.10 % if only one credit-life insurance, +0.20 % with no domiciliation of income)

– J = purchase in Flanders only + purchase and loan amount limitation (between €213,000 and €282,000) depending on region and number of dependents.

*Loan-to-value: Relationship between the loan amount and monetary value of the property.*

(2) Should you later terminate terms A.B.C., the initial rate will stay the same!

(3)Contract of illimited duration minimum 3 years, income available after all loans 2.200 € for a couple and 1.500 € for a single person,.

(4) 3 criteria to fulfil: income > 2000 (or 1500 for a single person) after loan costs, loan-to-value < 80%, cost/income ratio

(5) 2 out of the 3 criteria to fulfil: income > 2000 (or 1500 for a single person) after loan costs, loan-to-value < 80%, cost/income ratio

(6) Rate increase of +0.10% by termination of terms later or at the start

(7) Permanent EU civil servants (Commission, Council, Parliament, Court of justice, Court of auditors) and Eurocontrol officers + A income domiciliation

(8) mandatory insurances, insurer free choice

(9) Rate increase of +0.50% if the conditions are no longer adhered to

(10) for a loan of a maximum of €450,000 and a 1^{st} home, this rate can still decrease by 0.10% if minimum net income is €4,000 for a couple or €2,500 for a single person, not valid for loan refinancing

(11) Rate increase of +0.25% if the conditions are no longer adhered to

(12) 2 criteria to fulfil: income > €3,500 (or €2,000 for a single person) after loan costs, loan-to-value < 90%, cost/income ratio <40%

(13) 3 criteria to fulfil: income > €3,500 (or €2,000 for a single person) after loan costs, loan-to-value < 90%, cost/income ratio <40%

**To draw up the schedule, we analyse different options by taking into account the best rates without obligations, as well as the best rates with related terms and products.**

**Not all plans are shown.**

The information herein is only given as a guide and unless accepted by the lending company/companies, it does not constitute an offer of credit.