What will this property really cost you?
Enter the amount, the term and the rate your bank quoted you. You get the monthly payment, the total interest, and what the rent leaves once the loan is paid.
Arithmetic only. It ignores notary fees, registration duty, insurance, works, vacancy and tax, all of which move the real number. Proporio is not a credit intermediary and gives no financial advice.
What the Belgian banks were quoting
Indicative fixed rates over 25 years for a strong file. Your rate depends on your own file, and these move.
| Bank | Fixed, 25 years | Note |
|---|---|---|
| Belfius | 3,22 % | Lowest of the three quoted |
| BNP Paribas Fortis | 3,30 % | |
| KBC | 3,30 % | |
| Argenta, Keytrade, ING, Crelan | — | Regularly cited among the lowest, no figure recorded on this date |
A monthly payment is only half the question. What decides whether a rental property works is the gap between what the loan takes out each month and what the rent brings in, once the months without a tenant and the works you did not plan are counted. This tool does the first half honestly: enter the figures your bank actually gave you, and read the payment, the interest over the whole term and the monthly gap against the rent. It is deliberately free of rates and lender names, because a rate printed on a page is out of date within weeks and because comparing offers is your bank advisor’s job, not a website’s. Inside Proporio, the same calculation runs on your real portfolio, next to the loans, the charges and the rents already recorded.
Questions, answered
Which rate should I enter?
Do you compare bank offers?
Is the calculation exact?
What if the rent does not cover the payment?
Run the numbers on your real portfolio
Inside Proporio the same calculation sits next to your loans, charges and rents, and updates itself as they change.
First property free · No credit card