Spaargids.bePeople who take out a loan to buy or build a house pay an increasing part of the cost out of their own pocket. At market leader BNP Paribas Forts, which still accounts for a quarter of all mortgage loans in our country, an average of 73 percent of the value of a property was borrowed in 2021, compared to 74 percent in 2020. This was even more pronounced for young people up to the age of 30. They borrowed on average 82 percent instead of 86 percent of the value of their property. Spaargids.be selected the most striking figures.
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It is also noteworthy that a quarter of all mortgage loans granted by BNP Paribas Fortis last year were intended for someone under the age of 30. If the age limit is raised to 35 years, this will already be four in ten home loans.
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In 2020, young people were slightly less present on the real estate market due to the disappearance of the housing bonus at the end of 2019 and due to the start of the corona pandemic in our regions.
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Also read: How much can you borrow? It is best to take these 4 questions into account.
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The average age of someone who borrows for a real estate project is 40 years. Buyers were on average 39 years, builders 41 years.
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Another striking fact that BNP Paribas Fortis removed from its tables was that the average maturity became longer. New loans from 2021 had an average maturity of 226 months, 3 months more than the previous year.
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In 2021, an average of 247,000 euros was borrowed from BNP Paribas Fortis to finance a new building. For the purchase of a house, that was 220,000 euros.
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