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Complementary real estate loans (Housing action...)

Verified 11 August 2021 - Legal and Administrative Information Directorate (Prime Minister)

A complementary loan is used to partially finance the purchase or construction of your principal residence. It is granted in addition to your main mortgage. It is not granted by one bank but by another (Housing, pension fund or mutual fund, local authority, employer ...).

Housing Action offers real estate loans reduced rate to finance the purchase or construction of main residence. These loans are made in addition to a principal or other supplementary loans.

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Non-agricultural private company with at least 10 employees: Ready

Borrower

The borrower must be an employee respecting income conditions .

These income conditions vary depending on the geographical area of accommodation.

However, an employee whose reference tax income exceeds this amount could be eligible to benefit from it under conditions .

Real estate transaction
Characteristics of the accession loan
  • Ready €40,000 maximum
  • Maximum duration of 25 years
  • Interest rate of 0,5 % (excluding compulsory insurance)
  • Loan, including one social accession

Warning  

the accession must be requested prior to the purchase of the accommodation.

Agricultural company: AgriAccession

Borrower

The borrower must be:

  • Employee
  • Or retired for less than 5 years
Real estate transaction
  • Construction of an individual house
  • Purchase of new or old housing, with or without work
  • All Operations of social home ownership
Characteristics of the agri accession loan
  • Ready €40,000 maximum
  • Maximum duration of 25 years
  • Interest rate of 0,5 % (excluding compulsory insurance)
Who shall I contact

The territorial may grant loans for the construction or purchase of new or old housing, with or without work.

To find out if this type of help exists locally, if you can benefit from it, and what are the conditions for obtaining these loans, contact your town hall or your department.

Who shall I contact

These loans can be granted for the construction or purchase of new or old housing, with or without work.

The conditions for obtaining these loans vary according to the organisation concerned.

To find out if you can get them, contact your supplementary pension fund or mutual fund.

A loan may be granted for the construction or purchase of new or old housing, with or without work.

This loan can be granted to the public servants of the State and to the staff of the departments and communes.

This loan is granted only in addition to conventional loan or social accession loan, and under certain income conditions.

To find out if you can get it, contact your employer.