Your renovation, your loan: 3 options compared

Renovation loan (instalment loan)

• Do you want to renovate your home to your specifications, perhaps by upgrading your kitchen or bathroom? A Renovation Loan could make it possible.
• You can finance your project at an attractive rate up to three months after the invoice date.
• Depending on your needs, you can also borrow up to 120% of the cost of the work.
• You can borrow up to €50,000 entirely online, easily and securely, from simulation and application to signing (once approved).

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Energy loan (instalment loan)

• Do you need a new boiler, heat pump or solar panels? With the Energy Loan, you can renovate your home at an even lower interest rate, provided that at least 75% of the work is focused on energy savings.
• Depending on your requirements, you can borrow up to 120% of the project's value.
• You can borrow up to €50,000 online, easily and securely, from simulation and application to signing (once approved).

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Reborrowing from your mortgage loan

• Do you already have a mortgage loan? You may be able to reborrow the capital you’ve already repaid, starting from €7,500, depending on certain conditions.
• Depending on your needs, you can borrow up to 120% of the original loan amount.
• There is no need to take out a new mortgage loan, so you can avoid notary and mortgage fees.
• You will also benefit from favourable interest rates and the advantages of long-term borrowing.

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Legal information

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.