To be eligible for a renovation loan with the Housing Fund, your income must not exceed a certain threshold, which is set according to your family situation. Check on your notice of assessment that your total household income does not exceed our scales.
A : single person B : household consisting of two or more persons, only one of whom has an income C : household consisting of two or more persons, with at least 2 persons having an income
The scales to be taken are as follows:
Number of dependants
4 and more
What are the obligations?
When you take out a mortgage with us to buy a property:
You must reside permanently in Belgium
You cannot own another property in Belgium or abroad
Your household will need to fully occupy the home
Simulate your renovations loan!
Our online simulator allows you to simulate the rates and repayments of your works loan.
The market value of the property is initially defined by the expert responsible for carrying out the valuation of the property, and then confirmed by the Fund, which will specify a value before and after renovations.
In this case, it is possible to request either a repossession of the outstanding balance limited to the capital you have already repaid under your current loan, or an additional loan that will be subject to notary fees.
Depending on the progress of the renovations, the amounts will be paid directly to the supplier based on the invoices that you will have received, and that you will have to transmit to us, accompanied by your payment order.