Social Accession Loan (SAP)

Verified 25 April 2024 - Directorate for Legal and Administrative Information (Prime Minister)

You want to know what a Social Accession Loan (SAP) is, in which cases it is granted and under what conditions? We present you with the information you need to know.

The Social Buyback Loan (SBP) is a mortgage that is granted if you have modest incomes.

The SAP must be used to become the owner of your principal residence (by purchasing it or having it built) or to carry out work there (for example, work to adapt to disability).

Housing must become your principal residence no later than 1 year after the purchase or completion of the works. But you can rent it temporarily, in some cases (for example, when buying for retirement).

The SAP has the following benefits:

  • Its interest rate may not exceed a maximum amount.
  • There is a ceiling on the cost of processing a loan application.
  • The notary's fees are reduced.
  • The loan must be secured by a safety actual (mortgage or money lender privilege), but this guarantee is exempt from property advertising taxes.

The loan is intended to finance the following operations:

  • Purchase of land and construction of housing on land
  • Purchase of new housing
  • Purchase of old housing and possible improvements. In the case of improvement work, the amount of such work must be at least equal to €4,000 and housing has to be completed for at least 10 years.
  • Work to transform a room into a dwelling
  • Work in a housing to enlarge it, by extension or by elevation
  • Work to save energy in an existing dwelling on 1er July 1981 or for which an application for a building permit was made before that date. The amount of such work must be at least equal to €4,000.


when the loan finances works, these must be completed within the repayment period of the loan. But you can request an extension of time for the work, in some cases (cases of force majeure, natural disaster, litigation, illness...).

The loan can finance the entire real estate transaction, but it cannot finance the following costs:

  • Notary's fees
  • Mortgage charges
  • Loan application application processing fee
  • Possible costs of purchasing furniture to furnish the dwelling

Housing must become your principal residence at the latest 1 year after completion or purchase.

This period may be Maximum 6 years when the 2 conditions the following are combined:

  • You will live in the accommodation from your retirement
  • Until that date, the accommodation is rented out in accordance with specific rules.

The amount of your income to be taken into account corresponds to the total of the reference tax revenues for year N-2 of the persons to be housed.

For example, if you apply for a loan in 2024, it is the 2022 benchmark tax income, recorded on the 2023 tax notice.

Your income calculated in this way must not exceed a maximum amount, which varies according to the number of people to be housed and the area of the housing (area A, A bis, B1, B2 or C).

To know the area of the accommodation, you can use a simulator:

Know the area of his commune: A, Abis, B1, B2 or C

Tableau - Income not to be exceeded to obtain a SIP, depending on the number of people to be housed and the housing area

Number of persons to be accommodated

Area A and Aa

Zone B1

Zone B2

Area C




































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The interest rate may not exceed one maximum rate.


Within this limit, the interest rate you are offered may vary from one credit institution to another. So it's a good idea to compare multiple loan offers using your APRC.

The interest rate may be fixed or variable.

A variable interest rate (i.e. combining a fixed rate and a variable rate) may also be proposed.

The term of the loan can range from 5 to 30 years.

The loan agreement may provide that this period may be modified to either reduce it or extend it up to a maximum of 35 years.

You need to ask for it from a credit institution (for example, a bank) that has an agreement with the government that allows it to grant the loan.


It's a good idea to compare loan offers from multiple institutions, as the interest rate on the proposed loan can vary up to the maximum allowed. To do this, you need to compare the APRC of each loan offered to you.

In particular, the loan may be supplemented by the following financing:


The loan cannot be associated with a "classic" mortgage.

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