Configuration
Property
Base purchase price and property details
Mortgage Loan
Personal contribution and loan terms
Advanced Settings
Interest rates, registration rights, notary admin costs
Interest Rate — Fixed Rate
Notary & Registration
KBC Refinancing Note
You can refinance your fixed interest rate to a better percentage if you improve your EPC within 7 years of purchase. For example, moving from EPC C to EPC A can lower your rate the following month.
Results
Estimations based on a fixed interest rate. Notary costs are approximated. Simulate with your bank and notary for exact figures.
Total Cost Scenarios
Existing property highlighted · new build rows dimmed
| Scenario | Base |
|---|---|
New Build — 21% VAT + 12% registration | € 2.350 |
New Build — 6% VAT + 12% registration | € 2.350 |
Existing Property — 2% registration | € 2.350 |
Toggle new construction, parking, and storage in the inputs panel to adjust columns and highlights.
Mortgage Summary
Loan capacity based on monthly payment and duration — fixed rate
Total Loan Amount
—
PV based on monthly payment
Total Budget
—
Loan + personal input
Fixed Interest Rate
3.210%
Base − EPC discount + duration premium
EPC Discount
0.150%
Applied for EPC rating
Notary Costs — Existing Property
Breakdown of registration and notary fees
Interest Rate Breakdown
Fixed rate — includes credit-linked life insurance discount