# 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 28/02/2020

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) | +0,93/-0.93 | <80 % | A.B.C.(2+4) | 0,0770 | 0,93 | 87,27 | |||||||||||

1/1/1 (conditions) | +1,10/-1,10 | < 90 % | A.B.C.E.(9) | 0,0912 | 1,10 | 88,01 | 60,27 | 46,41 | 38,12 | ||||||||

1/1/1 (conditions) | +1,90 /-1,90 | < 100 % | A.B.C.E.(9) | 0,1570 | 1,90 | 91,49 | 63,82 | 50,04 | 41,82 | ||||||||

3/3/3 (conditions) | +1,08/-1,08 | < 75 % | A.B.C.(13) | 0,0896 | 1,08 | 60,18 | |||||||||||

5/5/5 (conditions) | +0,89/-0,89 | < 90 % | A.B.C.E.(9) | 0,0739 | 0,89 | 87,11 | |||||||||||

5/5/5 (conditions) | +1,22/-1,22 | <80 % | A.B.C.(2+4) | 0,1010 | 1,22 | 88,53 | 60,79 | 46,94 | 38,65 | ||||||||

5/5/5 (conditions) | +1,66/-1,66 | < 100 % | A.B.C.(13) | 0,1370 | 1,66 | 90,43 | |||||||||||

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

10/5/5 (conditions) | +1,35/-1,35 | <80 % | A.B.C.(2+4) | 0,1118 | 1,35 | 61,36 | 47,53 | 39,25 | |||||||||

10/5/5 (conditions) | +1,41/-1,41 | < 90 % | A.B.C.E.(9) | 0,1170 | 1,41 | 61,64 | 47,81 | 39,54 | |||||||||

10/5/5(conditions) | +1,99/-1,99 | < 100 % | A.B.C.(13) | 0,1640 | 1,99 | 64,20 | |||||||||||

15/5/5 (conditions) | +1,36/-1,36 | < 80 % | A.B.C.(2+4) | 0,1126 | 1,36 | 47,57 | |||||||||||

15/5/5 (conditions) | +1,51/-1,51 | <90 % | A.B.C.(2+4) | 0,1250 | 1,51 | 48,25 | |||||||||||

15/5/5 (conditions) | +2,51/-2,51 | < 100% | A.B.C.(2+5) | 0,2068 | 2,51 | 52,90 | |||||||||||

15/5/5 (conditions) | +1,37/-1,37 | < 80 % | A.B.C.(2+4) | 0,1136 | 1,37 | 39,35 | |||||||||||

15/5/5 (conditions) | +1,52/-1,52 | < 90 % | A.B.C.(2+4) | 0,1258 | 1,52 | 40,04 | |||||||||||

15/5/5 (conditions) | +2,52/-2,52 | < 100 % | A.B.C.(2+5) | 0,2076 | 2,52 | 44,82 | |||||||||||

20/5/5 (conditions) | +1,72/-1,72 | < 90 % | A.B.C.E.(9) | 0,1420 | 1,72 | 40,96 | |||||||||||

20/5/5 (conditions) | +2,57/-2,57 | < 100 % | A.B.C.E.(9) | 0,2120 | 2,57 | 45,08 | |||||||||||

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

Fixed 10 years (conditions) | < 90 % | A.B.C.E.(9) | 0,0800 | 0,96 | 87,43 | ||||||||||||

Fixed 10 years (conditions) | < 80 % | A.B.C.(2+4) | 0,0880 | 1,06 | 87,85 | ||||||||||||

Fixed 10 years (conditions) | < 75 % | A.B.C.(13) | 0,0813 | 0,98 | 87,50 | ||||||||||||

Fixed 10 years (conditions) | < 100 % | A.B.C.(13) | 0,1310 | 1,58 | 90,11 | ||||||||||||

Fixed 13 years (conditions) | < 80 % | A.B.C.(2+4) | 0,0970 | 1,17 | |||||||||||||

Fixed 13 years (conditions) | < 90 % | A.B.C.E.(9) | 0,1000 | 1,21 | |||||||||||||

Fixed 13 years (conditions) | < 100 % | A.B.C.E.(9) | 0,1700 | 2,06 | |||||||||||||

Fixed 13 years (conditions) | < 100 % | A.B.C.(2+5) | 0,1913 | 2,32 | |||||||||||||

Fixed monthly 1/1/1 15-18 (conditions) | < 80 % | A.B.C.(2+4) | 0,0870 | 1,05 | 60,04 | ||||||||||||

Fixed monthly 1/1/1 15-18 (conditions) | < 90 % | A.B.C.(2+4) | 0,0990 | 1,19 | 60,68 | ||||||||||||

Fixed monthly 1/1/1 15-18 (conditions) | < 100 % | A.B.C.(2+5) | 0,1815 | 2,20 | 65,17 | ||||||||||||

Fixed 15 years (conditions) | < 90 % | A.B.C.E.(9) | 0,1060 | 1,28 | 61,05 | ||||||||||||

Fixed 15 years (conditions) | < 80 % | A.B.C.(2+4) | 0,1060 | 1,28 | 61,05 | ||||||||||||

Fixed 15 years (conditions) | < 75 % | A.B.C.(13) | 0,1036 | 1,25 | 60,93 | ||||||||||||

Fixed 15 years (conditions) | < 100 % | A.B.C.(13) | 0,1530 | 1,85 | 63,60 | ||||||||||||

Fixed 15 years (conditions) | < 100 % | A.B.C.E.(9) | 0,1760 | 2,13 | 64,87 | ||||||||||||

Fixed 17 years (conditions) | < 75 % | A.B.C.(13) | 0,1060 | 1,28 | |||||||||||||

Fixed 17 years (conditions) | < 100 % | A.B.C.(13) | 0,1560 | 1,89 | |||||||||||||

Fixed 18 years (conditions) | < 90 % | A.B.C.E.(9) | 0,1130 | 1,36 | |||||||||||||

Fixed 18 years (conditions) | < 80 % | A.B.C.(2+4) | 0,1093 | 1,32 | |||||||||||||

Fixed 18 years (conditions) | < 100 % | A.B.C.E.(9) | 0,1820 | 2,21 | |||||||||||||

Fixed monthly 1/1/1 20-25 (conditions) | < 80 % | A.B.C.(2+4) | 0,0920 | 1,11 | 46,45 | 38,16 | |||||||||||

Fixed monthly 1/1/1 20-25 (conditions) | < 90 % | A.B.C.(2+4) | 0,1040 | 1,26 | 47,10 | 38,82 | |||||||||||

Fixed monthly 1/1/1 20-25 (conditions) | < 100 % | A.B.C.(2+5) | 0,1864 | 2,26 | 51,72 | 43,55 | |||||||||||

Fixed 20 years (conditions) | < 90 % | A.B.C.E.(9) | 0,1150 | 1,39 | 47,70 | ||||||||||||

Fixed 20 years (conditions) | < 80 % | A.B.C.(2+4) | 0,1118 | 1,35 | 47,53 | ||||||||||||

Fixed 20 years (conditions) | < 75 % | A.B.C.(13) | 0,1151 | 1,39 | 47,71 | ||||||||||||

Fixed 20 years (conditions) | < 100 % | A.B.C.(13) | 0,1650 | 2,00 | 50,49 | ||||||||||||

Fixed 20 years (conditions) | < 100 % | A.B.C.E.(9) | 0,1850 | 2,24 | 51,64 | ||||||||||||

Fixed 22 years (conditions) | < 75 % | A.B.C.(13) | 0,1187 | 1,43 | |||||||||||||

Fixed 22 years (conditions) | < 100 % | A.B.C.(13) | 0,1660 | 2,01 | |||||||||||||

Fixed monthly 1/1/1 25-30 (conditions) | < 80 % | A.B.C.(2+4) | 0,0990 | 1,19 | 38,54 | 33,03 | |||||||||||

Fixed monthly 1/1/1 25-30 (conditions) | < 90 % | A.B.C.(2+4) | 0,1110 | 1,34 | 39,21 | 33,71 | |||||||||||

Fixed monthly 1/1/1 25-30 (conditions) | < 100 % | A.B.C.(2+5) | 0,1929 | 2,34 | 43,93 | 38,56 | |||||||||||

Fixed 25 years (conditions) | < 80 % | A.B.C.(2+4) | 0,1258 | 1,52 | 40,04 | ||||||||||||

Fixed 25 years (conditions) | < 90 % | A.B.C.E.(9) | 0,1422 | 1,72 | 40,97 | ||||||||||||

Fixed 25 years (conditions) | < 75 % | A.B.C.(13) | 0,1439 | 1,74 | 41,07 | ||||||||||||

Fixed 25 years (conditions) | < 100 % | A.B.C.(13) | 0,1930 | 2,34 | 43,94 | ||||||||||||

Fixed 20 years (conditions) | < 100 % | A.B.C.E.(9) | 0,2160 | 2,62 | 45,33 | ||||||||||||

Fixed 30 years (conditions) | < 80 % | A.B.C.(2+5) | 0,1692 | 2,05 | 37,11 | ||||||||||||

Fixed 30 years (conditions) | < 90 % | A.B.C.(2+5) | 0,1848 | 2,24 | 38,06 | ||||||||||||

Fixed 30 years (conditions) | < 100 % | A.B.C.(2+5) | 0,2628 | 3,20 | 42,99 |

## 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.