Simulate your monthly mortgage repayments
What you need to know before starting your mortgage application.
We are committed to providing you with personalised and transparent support. To that end, please be aware of the following:
- Financing is reserved for properties located in the Greater Region (Luxembourg, France, Germany, Belgium).
- The application shall only be considered valid if the borrower is aged 65 or under at the end date of the mortgage.
- Your salary must be paid into a BIL account in order to avoid the application of a surcharge on the interest rate applicable to the mortgage.
Based on the information provided, we are unable to provide a positive response to your project at this stage.
This does not mean that your project is unachievable – it may simply require some adjustments.
Please review certain criteria concerning your real estate project or consider making a larger down payment.
Take the time to rethink your project at your own pace. We have a number of resources you may find useful:
Take a look at our brochure “Preparing your mortgage application”.
Ready to take the next step?
Find out more about the key steps a real estate project involves via myLIFE, fine-tune your approach, and explore your financing options with the help of our resources:
Once your project has been finalised (agreement signed or clearly identified), we will be by your side to assist with your financing application.
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Thank you for using our simulator.
As you are a BIL client, we invite you to submit your mortgage application via BILnet secure messaging.
To do so, please copy and paste the following content in a secure message:
Once we have received your mortgage application, we will carefully review it. We will then contact you as soon as possible to assist you with the next stages of your real estate project.
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This simulation is calculated for information purposes only, without any commitment as to its completeness, accuracy, or timeliness, and does not imply any commitment or agreement on the part of BIL.
Example: A mortgage of EUR 500,000.00, repayable over 25 years at a borrowing rate of 3.75% per annum, unchanged over the entire term of the mortgage, gives rise to 300 monthly repayments of EUR 2553.56 The Annual Percentage Rate (APR) is 3.82% per annum. Total amount owed by the borrower: EUR 766.068,00 (excluding insurance and any administration fees). Please note that this APR is calculated on the basis of an interest rate remaining at the level set for the initial period throughout the term of the contract.
