Warning, borrowing money also costs money.
Become a homeowner in Wallonia with the “Habitat pour tous” Loan
Dreaming of buying, building, or renovating a home in Wallonia? The “Habitat pour tous” scheme offers financial support to make your ambitions a reality. We guide you through the process and direct you to the competent services.
Get guidance on your applicationLegal Notice
** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
The “Habitat pour tous” Loan: Walloon aid for your real estate project
The “Habitat pour tous” social loan is a scheme established by the Walloon Government to support individuals and families wishing to become homeowners. Since December 15, 2009, it has consolidated several former aid programs, such as the “prêt tremplin” or social credit, under a single name, thus simplifying the procedures.
Its objective is twofold: to facilitate the purchase or construction of your home, and also to encourage the improvement of housing quality in Wallonia through renovation.
What projects are supported by “Habitat pour tous”?
- Buying an existing home: To make it your main residence.
- Building a new home: To build the house of your dreams.
- Renovating a property: To improve the health, safety, or energy performance of your home.
- Buying and renovating: Combine the acquisition of your property with the necessary works.
- Staying in a home: Adaptation work for people with disabilities or the elderly.
Free • No obligation • Clarify your project
The advantages of the “Habitat pour tous” scheme
This social loan is designed to be a real helping hand, with specific advantages:
-
Advantageous interest rates: The interest rates are generally lower than those on the conventional mortgage market, as the objective is social.
-
Easier access to homeownership: The scheme aims to help low- and middle-income households who struggle to obtain a loan through traditional banking channels.
-
Possibility to borrow the entire purchase price: Under certain conditions, it is sometimes possible to finance up to 100% of the property’s value (excluding fees), which is rare on the conventional market.
-
A secure and regulated framework: The process is overseen by public authorities, offering security and transparency for borrowers.
-
A single point of contact for multiple aids: Consolidating under the “Habitat pour tous” name simplifies understanding and administrative procedures.
It is essential to check your eligibility, as this loan is subject to strict conditions regarding income, household composition, and property value. This is where our guidance becomes invaluable.
Our role: Guiding you to the “Habitat pour tous” Loan
The path to a social loan can seem complex. Here’s how we help you see more clearly:
1. Information & Clarification
We take the time to explain in detail what the “Habitat pour tous” loan is, its objectives, and the types of projects it can finance.
2. Analysis of your situation
We conduct an initial assessment of your situation (income, project) with you to determine if you seem to meet the general criteria of the scheme.
3. Referral to the right service
This is the key step. Depending on your project and where you live, we direct you to the competent body (SWCS or FLW) to submit your official application.
Our mission is to save you time and ensure you knock on the right door from the very beginning.
Eligibility Conditions for the “Habitat pour tous” Loan
Access to this social loan is subject to specific conditions. Although they may be updated, here are the main evaluation criteria:
-
Income ceilings: Your total taxable income must not exceed a certain ceiling. This amount varies depending on your household composition (number of dependent children).
-
Not already a homeowner: As a general rule, you cannot be a full owner or usufructuary of another home at the time of application (exceptions exist).
-
The property: The property you wish to buy or build must be located in the Walloon Region, and its market value (sale price) must not exceed a certain amount.
-
Insurance and guarantees: You will need to take out fire insurance and an outstanding balance insurance. A mortgage will be registered on the property.
These conditions are provided for informational purposes only. Only the official bodies can definitively validate your eligibility. Our role is to help you prepare for this step.
FAQ “Habitat pour tous” Loan
Find answers to frequently asked questions about this homeownership assistance scheme in Wallonia here.
The “Habitat pour tous” loan is the name given to the social housing loan in Wallonia. It is a mortgage loan granted by public authorities (via the SWCS or FLW) at more favorable conditions than those on the conventional banking market. Its purpose is to help low- and middle-income households buy, build, or renovate their main residence in the Walloon Region. It replaces older aid programs like the “prêt tremplin” or “chèques logement”.
No, our company does not directly grant the “Habitat pour tous” loan. This is a very important distinction. Our role is that of a guide and advisor.
We help you to:
- Understand how this scheme works.
- Assess whether your profile might meet the criteria.
- Direct you to the competent administrative service (Société Wallonne du Crédit Social or Fonds du Logement de Wallonie) where you can submit an official application.
We are your first point of contact to demystify the process.
The two main operators of social credit in Wallonia are:
- The Société Wallonne du Crédit Social (SWCS) and its network of accredited social credit offices.
- The Fonds du Logement de Wallonie (FLW), which specifically targets large families (3 or more children).
The choice of organization depends on your family situation and your place of residence. Our guidance service will help you identify the right contact for your project.
Yes, absolutely. The “Habitat pour tous” loan is not just for buying or building. It is also intended to support the improvement of Wallonia’s housing stock. You can therefore apply for this aid to finance major renovation work in a home you already own.
This work often aims to improve:
- Energy performance (insulation, heating, window frames…).
- Health and safety (roofing, electricity, dampness…).
- Adapting the home for disability or aging.
This is one of the major advantages of the scheme. While conventional banks almost always require a substantial personal down payment to cover notary fees, the social loan can, under certain conditions, allow you to borrow up to 100% or even 110% of the property’s value. This means it is sometimes possible to finance the purchase price as well as all or part of the associated costs (registration fees, deed fees).
However, having a personal down payment is still an asset for your application. The possibility of borrowing without a down payment will depend on the official lending body’s analysis of your file.