The purchase of a house or apartment is one of the most important choices of your life.
We offer you very advantageous home loan solutions, without stress and at a minimum cost.
Mortgage centralization: centralize all your credits in one
Consult HERE our mortgages or mortgage grouping formulas for individuals and ICI our formulas for independents!
Who is the mortgage intended for?
What if you stop losing your money and start investing sustainably in property? With the mortgage, you can become a homeowner! Instead of paying your rent each month, you pay off your mortgage. With the same amount spent per month, you invest to become an owner.
To be a tenant of one’s home is to invest in lost funds. Money we will not see again. With the mortgage loan, you can become a homeowner at the price of a rent. The mortgage is a mortgage to finance the purchase, construction or renovation of your home. It’s a long-term investment.
Real estate is expensive and it is often difficult, if not impossible, to acquire property on own funds. Credit or mortgage loan is the solution!
The mortgage loan, for whom?
Broadly, the mortgage loan is for people wishing to become homeowners. Thus, this credit makes it possible to finance the purchase of a house, an apartment, etc., but also, the construction of a property. But the mortgage is also for those who want to renovate or transform a home they already have.
How does the principle of the mortgage work?
Mortgages are often synonymous with big money. As a result, the financial institution that lends you the money needs collateral. As the name suggests, a mortgage is a mortgage of your property. Throughout the loan repayment period, your home is pledged. If you are unable to repay your credit, the company is assured of recovering its money
Before granting you this loan, we will obviously check your creditworthiness and analyze your repayment capacity. Your income and expenses will be reviewed so that these charges plus your refund do not exceed 65% of your income.
You have understood that by signing this type of credit, you agree to repay the capital, but also to pay interest. Know that there are tax benefits to take out a mortgage, which offsets some of these costs.
The tax advantages of the mortgage loan
Under certain conditions you can benefit from a housing check granted in the form of annual tax credit. Its goal? Helping households with limited means to acquire real estate. What are these conditions?
- Have a taxable income of less than € 81,000
- Occupy the property primarily
- Do not own any other property
- Have chosen a mortgage loan with a repayment period of at least 10 years
This habitat check also changes according to the number of dependent children. To get an idea of the amount, here is the calculation formula: 1520 € – ([taxable income – 21 000] * 1.275%), + 125 € per dependent child.
Our different mortgage loan formulas
Because your needs are different, we offer two types of mortgages: the first is for individuals while the second is for the self-employed. For each of them, the request will be treated in a personalized way so that your credit sticks to your real needs. We also propose the regrouping of your credits, of long and short duration, in order to lighten your monthly payments.
Do a simulation for your mortgage
To find out about your monthly payment options and prevailing interest rates, try our Mortgage Credit Simulator above. Using the sliders, select the amount you want to borrow, the loan term and the estimated share.
How to calculate the amount of my mortgage?
The amount borrowed depends on various elements. The first is the monthly income of your household. Then, the loan term you choose as well as the interest rate. Finally, the proportion is also important to take into account. It is the ratio of the sum of the credit and the value of the good.
Attention to additional costs
When you take out a mortgage loan, you are forced to go through a notary. This act will obviously entail additional costs that you must not neglect. These costs include registration fees, mortgage fees, legal fees and, of course, notary fees.
Should I take out insurance for my mortgage?
At Skies Bills, no insurance is required. On the other hand, we advise you to think about it. A home insurance will protect you in case of disaster on your property. The outstanding balance insurance is used to protect your family. In case of death, the insurance pays the share of the capital still due. It is not your loved ones who must repay your loan. It is sometimes better to take precautions than to suffer or to suffer consequences that can be financially harsh.
Why choose Skies Bills for my mortgage?
At Skies Bills, we treat each application for mortgage credit in a personalized way and with great attention so that the solution that we propose to you is the most adapted to your needs and to your repayment possibilities. Moreover, this request is free and without commitment.
Being available and listening to you at all times is also a fundamental value of our society. Thus, professionals are at your disposal in a network of 15 agencies in Belgium and the Grand Duchy of Luxembourg and, at your request, can even go to your home, even in the evening.
In addition, we work with several partners and shop around for you. We evaluate the price and condition of your property and we select an approved expert at the best price. We are independent of any company, which is why we can certify an objective opinion. You also choose your notary and your insurance, you are free!
Finally, we are experts in the field of loans and mortgages. Thanks to this experience, we can advise you at best and we think of everything for you!