An example with figures:
| Your situation | |
| Your mortgage loan | 100.000€ |
| Already repaid | 20.000€ |
| Planned renovation | 40.000€ |
| What can you reborrow? | |
| Already repaid | 20.000€ |
| +20% of your original loan | 20.000€ |
| Total available to reborrow | 40.000€ |
Do you already have a mortgage loan and want to renovate your home? You may be able to reborrow the capital you have already repaid, from €7,500.
Depending on your needs and subject to conditions, you can borrow up to 120% of your original mortgage loan. There’s no need to take out a new mortgage loan, so you avoid notary and mortgage fees. You will also benefit from a favourable interest rate and the advantages of long-term borrowing.
Book an appointment with one of our advisors at your branch or via our Easy Banking Centre. You can request a call-back or phone us directly on 02 433 41 37. It’s that simple.
Have a mortgage loan with BNP Paribas Fortis and planning renovations? You may be able to reborrow from €7,500.
You can reborrow on your BNP Paribas Fortis mortgage loan for kitchen or bathroom upgrades, flooring, electrical or plumbing work, joinery or painting, facade works, and outdoor projects like a terrace, pool or solar panels. Any jobs classed as real estate work are eligible.
Enjoy a competitive rate and the benefits of long-term borrowing. No need for a new mortgage loan, and no additional notary or mortgage fees. You choose the term; note: it doesn’t have to match your original loan.
Your rate and conditions are fixed on the day you apply. Once your request is submitted, you have 20 days to accept our offer. During this time, your interest rate is guaranteed.
Have your mortgage loan details, invoice or quote, ID card, account number and proof of income and expenses to hand.
| Your situation | |
| Your mortgage loan | 100.000€ |
| Already repaid | 20.000€ |
| Planned renovation | 40.000€ |
| What can you reborrow? | |
| Already repaid | 20.000€ |
| +20% of your original loan | 20.000€ |
| Total available to reborrow | 40.000€ |
Don't have a mortgage loan at the moment? We offer other financing options to help with your renovation.
With a Renovation Loan, you can fund your project at an attractive interest rate, up to three months after the invoice date.
The Energy Loan offers an even better rate if at least 75% of the work is focused on energy savings. We compare all three options side by side, so you can easily see the one that suits you best.
Waiting on a quote, need more time or not sure which loan suits your project best? Our expert advisors are available to help.
Call us on 02 433 41 37 or make an appointment at your branch.
Type of credit: mortgage loan for (im)movable property. The provisions on mortgage credit in Chapter 2 of Title 4 of Book VII of the Belgian Code of Economic Law apply. Subject to approval of your application by BNP Paribas Fortis NV, lender, Montagne du Parc/Warandeberg 3, 1000 Brussels – RPR Brussels – VAT BE 0403.199.702.
Energy Loan – Type of credit: Instalment Loan. The provisions on consumer credit in Chapter 1 of Title 4 of Book VII of the Belgian Code of Economic Law apply. Covers all energy-efficient works in the home, including the purchase and installation of window frames and double glazing, heating systems and boilers, insulation materials, solar panels, energy audits, and all other materials and works aimed at energy savings in the home. Subject to approval of your application by AlphaCredit NV, lender, Montagne du Parc/Warandeberg 8 box 3, B-1000 Brussels – RPR Brussels – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis NV, Montagne du Parc/Warandeberg 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702.
Renovation Loan – Type of credit: Instalment Loan. The provisions on consumer credit in Chapter 1 of Title 4 of Book VII of the Belgian Code of Economic Law apply. Subject to approval of your application by AlphaCredit NV, lender, Montagne du Parc/Warandeberg 8 box 3, B-1000 Brussels – RPR Brussels – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis NV, Montagne du Parc/Warandeberg 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702.