You can easily calculate a simulation of your home loan at simulation loan.be. You will receive a clear overview of the amount of your maximum mortgage. Based on this information you can adjust your expectations up or down when you are looking for a suitable home loan.
Tailored housing loan
You can request a housing loan for various purposes. For example if you want to renovate your current home or if you want to buy a new home. This often involves high amounts and a housing loan offers a solution. You can make a simulation to gain an insight into the amount of your maximum mortgage in advance. When you enter your current income, it is calculated how much you can pay per month to repay the home loan.
There are different forms for the home loan. This way there is always a solution that is suitable for your current situation. For example, there is a so-called starter mortgage especially for starters, whereby you pay less in the beginning. The closer you are to the end of the term, the more you will pay to still have repaid the entire home loan. In addition, there is a so-called advantageous mortgage. With this form you pay more at the start of the term of the housing loan and the monthly costs are becoming lower. The traditional home loan is also still offered, whereby you pay the same amount from the beginning to the end of the term. Your monthly charges are then the same throughout the term. These forms are tailored to different target groups so that there is always a form that fits your situation perfectly. In this way you take out a personal housing loan.
After the simulation
After you have simulated your home loan you can make an appointment with the mortgage provider. Together with the specialist you continue where the simulation has gone. Because a home loan is adjusted to your situation personally, this cannot be captured in a simulation. The simulation must therefore be seen as the first insight into the possibilities. A few variables can also be adjusted within the various housing loan forms. Examples of this are the contribution of a starting capital or the choice of a fixed or variable interest rate.
At the end of the process you know exactly where you stand, how high your maximum mortgage is, how much you have to pay per month and how much you pay off. This way you will not be confronted with surprises afterwards and you will know exactly what you can expect from the mortgage provider.