The HABITAT PLUS® Mortgage Loan
The formula for all tenants and future owners!
Almost all financial institutions expect their clients to come up with all closing costs related to the purchase.
If you know that the registration fees alone amount up to 10% of the purchase price, and that above that you also have to pay the registration costs of the loan act and purchase act, then it's obvious that a large own contribution of the client is needed.
No wonder that young families are, because of these costs, obliged to rent a house the first few years while saving up for this large contribtion. And that's a shame, because you can't recover the rent you payed during these years.
PURCHASE + 20% for all costs = HABITAT PLUS®
From the moment you have job security, it is possible to get an affordable mortgage loan, including all costs! Even rebuilding costs can be borrowed.
Affordable?
The interest rate of the HABITAT PLUS® mortgage loan hardly differs from the classic mortgage loans and definitely turns out less expensive than renting the first few years to get a better LTV (Loan-to-Value Percentage) !
Because:
- it is impossible to recover the rental money you've payed!
- prices of houses rise with 10% a year: a house worth 3 million now (74.368,06 Euro), will cost 300.000 BEF (7.436,81 Euro) more next year! ...Show me?!
- you miss out on thousands of francs worth fiscal advantages!
Moreover, all revisible mortgage loan rates are conceived in such a way that, even when the rates would go up, you can have the same monthly installments by adapting your duration. So you know for sure that what you pay now, can't suddenly go up.
Compare that with the annual rise of the rental prices!
How to get an offer?
Very easily, everything DefA Finance needs from you for a quotation request is the position of the dwelling, the purchase price, and all your personal data. On the base of this information you can get an offer.
Then you can sign with your mind at ease a purchase agreement or compromise (in Dutch ).
Afterwards we will certainly need the necessary documents to introduce your file at the financial institution.
