Are there tax advantages associated with my mortgage loan?

Are you thinking about buying or building a property? In Belgium, your mortgage loan gives you the right to tax relief under certain conditions. ING gives you a quick estimation of how much this tax relief may be.1

Important information before you begin:

  • Answer each question based on your own individual situation. This is important because it is an individual tax advantage: if you take on a mortgage loan together with other people, the tax advantage may be different for each person.
  • Do you already have a mortgage loan with the right to tax relief and do you want to refinance or have you already refinanced this loan? Then your refinanced loan will retain the same fiscal advantage that applied to your original loan.2

1 Using this simulator, ING will give you general and brief information about the current taxation on your mortgage loan and any rights you have to tax advantages. We are limiting our descriptions to certain commonly occurring scenarios. That is why this simulator can only be considered as an indicative tool and the result cannot be considered as customised tax advice. If you would like customised tax advice, which we strongly recommend, contact a tax adviser.

2 You contracted a credit between 1/1/2005 and 1/11/2015 and you wish a fiscal advantage in Wallonia, then the extension of the duration of your credit as of 1/11/2015 will not give you rights on the extension for the same duration of your fiscal advantage. The duration of your credit at the date 1/11/2015 will be used to determine until when your fiscal advantage is valid in Wallonia. For credits closed between 2/11/2015 and 31/12/2015, we will take the duration at the date 1/1//2016.

Unless a serious error is made, ING cannot be held liable for the decisions taken on the basis of this simulator.

You can find more information on the Federal Public Service Finance website.

Will the loan be used to acquire or retain your own home?

A property is considered your own home if you are the complete owner, usufructuary, leaseholder or proprietor of that property and you reside there yourself.