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Belgium Published Loan Rates
Mostly fixed-rate amortizing mortgages.
EUR Active Currency
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Lowest Published APR
3.45%
Best rate benchmark currently on record
Market Average APR
4.83%
Mean across tracked lending products
Available Products
2 Benchmarks
Fixed, variable & personal credit
Statutory System
Hypothecair krediet / Crédit hypothécaire
Verified statutory framework
Belgium Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
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Belgium 20-Year Fixed Mortgage Benchmark
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🏠 Mortgage | 20 Years (240 mo) | 3.45% | fixed | Active Benchmark | Calculate → |
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Belgium Prêt Personnel Moyenne
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👤 Personal Loan | 5 Years (60 mo) | 6.20% | fixed | Active Benchmark | Calculate → |
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Belgium Underwriting Guidelines
Statutory Borrowing Rule
NBB macroprudential guidelines: 90% max LTV for owner-occupiers, 50% max DSTI
Mortgage System
Hypothecair krediet / Crédit hypothécaire
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference