2026: Real Estate Credit Market Prospects in Belgium*

When you are "in the market" to purchase real estate, your first step is often to arrange for additional funding to supplement your personal contribution and to calculate your total borrowing capacity to better assess your overall budget for your acquisition.

This step is a key factor in achieving full ownership.

Current information sources indicate that loan conditions would be relatively favorable at the start of 2026.

Understanding the impact of fluctuations on borrowing capacity and monthly payments is essential to building a coherent project and optimizing the overall budget.

Here are our recommendations:

• Even before starting your search for a real estate acquisition, it would be wise to verify your borrowing capacity.

• It is also advisable to conduct a comparative analysis of offers from other banks and brokers in addition to your own before making any commitment, to negotiate a preferential rate.

Real estate investment will always remain a safe value, so venture into it in 202