Warning: borrowing money also costs money.
LOANS

Renovation (instalment) loan

PRACTICAL

The loan for your renovation

Would you like to renovate your home according to your own preferences? Upgrade your kitchen or bathroom? You can do so with the Renovation Loan.

YOUR ADVANTAGES

An attractive rate

With the Renovation Loan, you can finance your works at an attractive rate, up to three months after the invoice date.

MORE INFORMATION

Everything can be done online

From simulation to signing (after your application is approved): it’s all fully online. Need a little help? Call us at +32 2 433 41 36. Want to review your application with an expert? Book an appointment at a branch or the Easy Banking Centre. 

Make your renovation plans a reality

With the Renovation Loan, you can apply online to borrow up to €50,000, or even up to 120% of the value of your works, depending on your needs.

With a Renovation Loan (loan on instalment), you can renovate more than you think

Enjoy greater home comfort and finance your renovation works at an attractive rate.

  • What can you borrow for?

    Kitchen, bathroom, new flooring, installation of a lift, electrical and sewage works, carpentry and joinery, painting and wallpapering, sandblasting of the façade… and nearly all outdoor works: terrace, swimming pool…

  • What do you need to apply?

    Have your invoice, identity card, bank card and card reader, account number, and proof of your income and expenses ready. You choose the amount and the duration of the loan yourself (within the legal limits).

  • Borrowing a higher amount

    You can apply online for a loan of up to €50,000. Want to borrow more than €50,000? That is also possible. Simply make an appointment at your branch or via our Easy Banking Centre to submit your application.

  • What is the EPC of a property?

    The Energy Performance Certificate (EPC) provides information about the energy performance of your property. The EPC value – expressed on a scale from A to F or G (depending on the region) – gives you an idea of how energy efficient the property is. Only certified energy experts are authorised to issue this certificate. It is mandatory for every sale or rental. The certificate also includes recommendations on how to improve the EPC score and therefore live in a more energy-efficient and energy-saving way. For example: by installing roof insulation, double glazing and/or a heat pump.

LOANS

A Renovation Loan in 3 steps

  1. Simulation and application

    Simulate and submit your application online.

  2. Application processing

    Your application will be processed within two working days.

  3. Loan acceptance

    Once your loan is approved, we will release the funds into your current account on the day of your choosing.

Need a Renovation Loan?

Want to discuss your housing project with an expert? We’re here to help!

Not sure which loan or credit option best suits your project? Have questions or need help with the simulation? Call us at +32 2 433 41 36. 

Want to review your application with an expert before submitting? Book an appointment at a BNP Paribas Fortis branch or the Easy Banking Centre. You’ll also receive a personalised renovation report, including: 

  • A step-by-step action plan 
  • Cost estimates for the work 
  • Details on potential grants and subsidies 
  • An overview of how the work will affect your EPC rating

Legal information

Energy Loan – Type of credit: Loan on Instalment. The provisions on consumer credit from Chapter 1, Title 4, Book VII of the Code of Economic Law apply. Covers all energy-efficient works in the home, including the purchase and installation of windows and double glazing, heating and boilers, insulation materials, solar panels, energy audits, and all other materials and works intended to improve energy efficiency in the home. Subject to acceptance of your application by AlphaCredit NV, lender, Warandeberg 8 bus 3, B-1000 Brussels, RPR Brussels, VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis NV, Warandeberg 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702.

Renovation Loan – Type of credit: Loan on Instalment. The provisions on consumer credit from Chapter 1, Title 4, Book VII of the Code of Economic Law apply. Subject to acceptance of your application by AlphaCredit NV, lender, Warandeberg 8 bus 3, B-1000 Brussels, RPR Brussels, VAT BE0445.781.316. Tied agent: BNP Paribas Fortis NV, Warandeberg 3, B-1000 Brussels – RPR Brussels – VAT BE0403.199.702.

Type of credit: mortgage loan with (im)movable purpose. The provisions on mortgage credit from Chapter 2, Title 4, Book VII of the Code of Economic Law apply. Subject to acceptance of your application by BNP Paribas Fortis NV, lender, Warandeberg 3, 1000 Brussels – RPR Brussels – VAT BE 0403.199.702.

Top Home fire insurance is an insurance product from AG offered by BNP Paribas Fortis. For the exact scope of the cover, please consult the general terms and conditions of this product, available on bnpparibasfortis.be and in all our branches. You can also request them from the Easy Banking Centre on 02 762 60 00.

AG Insurance (abbreviated as AG) SA - Bd É. Jacqmain 53, 1000 Brussels - www.aginsurance.be – e-mail: info@aginsurance.be – RPM Brussels TVA BE 0404.494.849 - Belgian insurance company approved under code 0079, under the control of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels. 

Intermediary : BNP Paribas Fortis SA/nv, Montagne du Parc 3, 1000 Brussels - https://www.bnpparibasfortis.be - Brussels Register of companies, VAT BE0403.199.702, registered with the FSMA under this number, rue du Congrès 12-14, 1000 Brussels, and acts as an insurance agent.