How much can I borrow with my salary in Belgium?
Turn take-home income into a monthly payment that leaves room to live.
- Free
- Confidential
- No account
Worried you are viewing homes outside your budget?
Your answer, clearly explained
Salary is a starting point, not a complete purchase budget. Your expenses, other loans, savings and mortgage rate matter too.
Start with a comfortable monthly payment
Add stable take-home incomes. Deduct living expenses, existing debts and future property costs. Choose a repayment that fits without using all your financial breathing room.
A third of income is a benchmark
The table below uses one third of income for repayments purely to compare examples. Your bank assesses the full application; Kenuvo lets you choose your own limit.
Turn borrowing into a purchase budget
Loan principal is not automatically the home price. Fees and works also need funding. A longer term usually reduces the monthly payment but increases interest over the life of the loan.
Worked example: adapt to your circumstances
| Take-home income / month | Assumed repayment | Estimated loan principal |
|---|---|---|
| €2,000 | €667 | €132,740 |
| €2,500 | €833 | €165,925 |
| €3,000 | €1,000 | €199,110 |
| €4,000 | €1,333 | €265,481 |
| €5,000 | €1,667 | €331,851 |
Assumption: one third of income as repayment, a 25-year term and no other debt. Nominal rate used: 3.53%, a statistical benchmark for 2026-08, not APR or an offer. Loan principal is not the home price: fees and works also need funding.
Buying costs by region
Prepare your next step
Sources and assumptions for this page
Examples and references checked on 2026-10-29. Kenuvo.
Indicative guide. Check the legal and lending conditions for your circumstances.