Mortgage

Last year, more than 16,000 customers performed a simulation of their loan

Check without any commitment if we can grant you this housing loan
You benefit from the same advantageous rate as at the agency
Our Housing expert reviews your request with you, before you make a decision

Are you going to renovate? You can then finalize your request without us having to call you.

Did you know?

You can also borrow without interest for your purchase and renovation project. Find out here how to recover your interest with the renovation loan from the Flemish Region.

Why opt for a mortgage at Vita Bank?

Thanks to our expertise, we help you make the right choice. A simulation answers your questions in minutes: How much can I borrow? Over how many years? Should I opt for a fixed or variable rate? What will the total cost be? What are the tax consequences?

FAQs

Mortgage Information

WHAT IS A MORTGAGE LOAN?

Are you going to build, or do you want to buy or transform a house or an apartment? A "mortgage loan for real estate" allows you to borrow part of the necessary funds. This loan is generally covered by a mortgage and/or a mortgage mandate.

You can only take out a mortgage loan with VB if you live in the Euro zone.

FIXED OR VARIABLE RATE?

When you take out a mortgage loan, you have the choice between 2 credit formulas: fixed rate or variable rate. What is the most interesting interest rate in your case?

Calculate the interest rate of your loan with our simulator

OBTAIN A MORE ADVANTAGEOUS RATE?

If you also take out fire insurance and loan balance insurance with us and your salary is paid into a current account with VITA BANK, you benefit from the VITA BANK Comfort rate. And if your personal contribution is high enough, VITA BANK can offer you an even lower rate.

HOW MUCH CAN YOU BORROW?

The amount you can borrow depends on 3 factors:

The amount you can repay
The rule of thumb is that total monthly credit obligations should not exceed 40% of net monthly household income.
The price of the house and the amount of your savings
The amount borrowed can never exceed the total price of the home. VITA BANK also expects you to finance part of your project with your own funds.
The guarantees you can give to the bank
VITA BANK asks for guarantees in order to cover itself against the risk of non-reimbursement of the credit. This is usually a mortgage, which gives the bank the right to sell the property if you are no longer able to meet your credit obligations.

QUESTIONS ABOUT YOUR VITA BANK HOUSING CREDIT?

ASK YOUR QUESTION

WHAT DURATION TO CHOOSE?

There is no ideal duration. The average duration of a mortgage loan is between 10 and 25 years. How to choose the duration that suits you? Here's what you need to consider:

Your age
The choice of duration depends on your age. Want to be done paying in 15 years because your kids are going to college? In this case, prefer a duration of 15 years.
Your income
Your total monthly payments must be less than 40% of your monthly net family income.
Your method of reimbursement
Each payment consists of a capital part and an interest part. This report depends on your reimbursement method. The most common formula is constant monthly amortization.
Your interest rate
The choice of duration is also a function of the fixed or variable interest rate.

It's fantastic to find out in less than 5 minutes whether we can buy our dream house. Just answer a few questions in VITA BANK Mobile and we immediately get an overview of the possibilities. With our additional questions, we were able to address the banking experts of VITA BANK Live.

Eva and Jean de Hal

To the loan simulator

Good to know about the mortgage loan

Lender: Vita Bank SA, headquartered at Boulevard de Bonne Nouvelle, Paris, France. Subject to approval of your credit application by Vita Bank SA. Vita Bank SA does not offer credit agreements in foreign currency.
The law defines this type of credit contract as a contract where the credit: is expressed in a currency other than that in which the consumer receives the income or holds the goods from which the credit must be repaid or is expressed in a currency other than that of the Member State in which the consumer resides.
Vita Bank is therefore only intended for people residing in one of the countries of the European Union (EU), who receive their main income in euros.