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.
Numerical example of the special offer:
As part of an overall project of EUR 500,000, a loan tranche of up to EUR 200,000, with a fixed borrowing rate of 2.99% for an initial period of 10 years (subject to revision thereafter), results in an initial monthly repayment of EUR 947.38 (for amortization over a total loan duration of 25 years). The APR (Annual Percentage Rate) is 3.06% per year. The total amount payable by the borrower for the tranche concerned, assuming the rate remains unchanged throughout the loan term, is EUR 284,214.00 (excluding insurance and any administrative fees).
