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Mortage loan for everyone
You want to buy, build or renovate a house in the Walloon region? Is this your first real estate purchase? Our company can guide you in order to get help from the Walloon region thanks to the “Habitat for all” credit, the social loan also called the springboard loan.
Since December 15, 2009, the Walloon government has adopted an important reform of the social credit. The springboard loan, the social loan and the housing vouchers are now grouped under the same name: “Habitat for All”. The objective of the social loan or “Habitat for all” is to support people who wish to buy or build their home in Wallonia, but also to strengthen the quality of housing by renovating the properties purchased and building new homes.
Our company does not grant mortgage loans in the form of social loans. It is the administrative services of the Provinces or Communes that grant this kind of loan. We can however guide you and answer your questions.
Social loan HT +
The social loan HT+ formula is an integral part of the aid proposed by the Walloon region: “Habitat for all”.
The HT+ social loan allows you to benefit from a reduction of between 1.50% and 2.20% (depending on your income) on your rate during the first 8 years of repayment if the municipality is included in one of the 42 real estate pressure zones.
From the 9th year, you return to the usual conditions.
Conditions to benefit from the “Habitat for All” HT+ social loan formula
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- It must be your first home in Wallonia;
- Your 2008 taxable income cannot exceed 46 600 €;
- The market value of the property may not exceed 210 000 €.
The HT+ social loan offers you a multitude of advantages:
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- The interest rate of the social loan is fixed, advantageous and guaranteed over a maximum of 30 years;
- It is possible to borrow up to 110% of the financial value of the property (excluding life insurance) to finance, for example, your notary fees;
- If your social loan is used to buy a social housing, a reduction of 0.50% on the rate will be applied during the first 8 years of your repayment.
HT green social loan
The HTvert social loan formula of the Walloon region’s “Habitat for All” aid allows you to benefit from an exemption from interest payments during the first 8 years on part of the borrowed capital (depending on your income) as long as :
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- The commune is one of the 30 communes;
- You carry out at least 10,000 € of health or energy-saving work.
From the 9th to the 12th year inclusive, only half of the basic interest is due on this tranche.
Do you wish to obtain the “Habitat for All” green HT social loan?
You must meet a number of conditions:
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- It must be your first home in Wallonia;
- Your 2008 taxable income cannot exceed 46 600 €;
- The market value of the property may not exceed €191,000. If the property is located in one of the 42 communes situated in a real estate pressure zone, it can reach 210 000 €.
The HT Vert social loan offers a series of significant advantages:
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- The interest rate of the HT Vert social loan is fixed, advantageous and guaranteed for a maximum of 30 years;
- It is possible to borrow up to 110% of the financial value of the property (excluding life insurance) to finance, for example, your notary fees;
- If your loan is used to buy a social housing, a reduction of 0,50 % on the rate will be applied during the first 8 years of your repayment
Social loan
The social loan or “Habitat for All” includes 3 distinct formulas:
To benefit from “Habitat for All”, you must meet certain conditions:
The advantages of the “Habitat for All” social loan:
If you would like more information about the Walloon Region’s “Habitat for All” aid and social credit, please visit the Walloon Region’s website.