The first month of the year 2025 marked a turning point:

The real estate market is becoming once again a safe and sustainable value.

Some significant changes are bringing a new positive dynamic to real estate investments and placements.

Experts will once again be able to advise their clients on an optimized tax and patrimonial strategy.

A Real Estate that has become sustainable

Sustainability will increasingly become a purchasing criterion.

Energy-efficient and ecological properties, with optimized energy performance certificates, will be in higher demand, offering tax benefits and significant savings on long-term investments.

Renovation will require more in-depth research for precise estimates, considering the higher costs of materials in the post-COVID period while ensuring adherence to stricter environmental requirements.

Inflation and interest rates: a clear stabilization

It can be noted that inflation is stabilizing.

Mortgage market rates relaxed in 2024, and now many renowned economists foresee that these rates could remain comparable to those at the end of 2024, around 3% (more precisely between 3.1% and 3.6% depending on the loan duration and the borrower's profile), hence an increase in mortgages pointing to a genuine recovery.

The return of buyers who will dare to take out loans again for the acquisition of a property for their own residence, or give themselves the opportunity to invest to diversify the placement of their capital.

However, at the beginning of 2025, it was announced that the fiscal advantage concerning existing and future credits (consumption, renovation, energy, mortgages) would end, specifically the removal of the deductibility of interest on these credits from the total taxable real estate income.

This removal will affect small investors more than large investors.

The new registration rates in Wallonia and Flanders

In January 2025, the registration fee rate in Wallonia was reduced from 12.5% to 3% under certain non-restrictive conditions.

Similarly, in Flanders, the rate decreased from 3% to 2%, also under certain conditions.

This reduction in registration duties will benefit real estate acquisitions in Wallonia and Flanders at the expense of those in Brussels, where the registration rate has remained at 12.5%. Additionally, a new Brussels regional reform requires owners to register their leases (including annexes and inventories) in an electronic register managed by Brussels Housing.

So, you too can invest again!

In Belgium?

Or abroad to enjoy more sunshine?

Do not hesitate to send us an email at contact@dream-invest.eu!

A Real Estate that has become sustainable

Sustainability will increasingly become a purchasing criterion.

Energy-efficient and ecological properties, with optimized energy performance certificates, will be in higher demand, offering tax benefits and significant savings on long-term investments.

Renovation will require more in-depth research for precise estimates, considering the higher costs of materials in the post-COVID period while ensuring adherence to stricter environmental requirements.

Inflation and interest rates: a clear stabilization

It can be noted that inflation is stabilizing.

Mortgage market rates relaxed in 2024, and now many renowned economists foresee that these rates could remain comparable to those at the end of 2024, around 3% (more precisely between 3.1% and 3.6% depending on the loan duration and the borrower's profile), hence an increase in mortgages pointing to a genuine recovery.

The return of buyers who will dare to take out loans again for the acquisition of a property for their own residence, or give themselves the opportunity to invest to diversify the placement of their capital.

However, at the beginning of 2025, it was announced that the fiscal advantage concerning existing and future credits (consumption, renovation, energy, mortgages) would end, specifically the removal of the deductibility of interest on these credits from the total taxable real estate income.

This removal will affect small investors more than large investors.

The new registration rates in Wallonia and Flanders

In January 2025, the registration fee rate in Wallonia was reduced from 12.5% to 3% under certain non-restrictive conditions.

Similarly, in Flanders, the rate decreased from 3% to 2%, also under certain conditions.

This reduction in registration duties will benefit real estate acquisitions in Wallonia and Flanders at the expense of those in Brussels, where the registration rate has remained at 12.5%. Additionally, a new Brussels regional reform requires owners to register their leases (including annexes and inventories) in an electronic register managed by Brussels Housing.

So, you too can invest again!

In Belgium?

Or abroad to enjoy more sunshine?

Do not hesitate to send us an email at contact@dream-invest.eu!