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Belgium – Property Financing

Mortgages for Foreign Nationals in Belgium

Local banks and lenders in Belgium do issue mortgages to foreign nationals. It is important to note that the mortgage process for foreign nationals can be more complex and may require additional documentation.

Lenders Providing Mortgages in Belgium

A number of local banks and lenders in Belgium provide mortgages to foreign nationals. These include:

  • BNP Paribas Fortis
  • KBC Bank
  • ING Bank
  • Axa Bank

It is important to compare the mortgage options offered by different lenders and to seek advice from a financial advisor to determine the best option for your specific circumstances.

Deposit Requirements

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When buying a property in Belgium, a deposit is usually required. This deposit is typically around 10% of the purchase price of the property. The deposit is used as a security for the lender and is deducted from the final purchase price of the property.

Responsibility for Outstanding Debts

In Belgium, new property owners are responsible for outstanding debts on the property, including debts related to the property tax, electricity, gas and water bills. It is important to thoroughly check the financial status of a property before purchasing, and to seek advice from a legal professional if necessary.

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