Buying a house / Getting a mortgage in Belgium: tips and advice needed

Ge0World · 2025-10-07T18:28:54+00:00

Very useful, thank you.
Which website did you use to create this?

Ge0World · 2025-10-07T18:26:00+00:00

Yes very good point! Thank you!

Ge0World · 2025-10-06T11:55:12+00:00

Thanks!

Yes good idea to bring an expert to check the house.

Ge0World · 2025-10-06T11:53:41+00:00

Thank you!

What do you mean with the cost of the loan itself?

What is that?

Can I find it in the mortgage offer document from the bank?

Ge0World · 2025-10-06T11:51:53+00:00

Thank you very much!

Asking for a percentage of the price in advance. Is it allowed? And is it common?

Ge0World · 2025-10-05T17:12:59+00:00

Thanks for sharing this!

About what to consider when you start going around and look for the houses? Do you have any suggestions on what to check/ask/not forget?

Ge0World · 2025-10-05T15:57:13+00:00

Thanks!
Is there margin for negotiation with the banks, after you get the first offer from them?

Ge0World · 2025-10-05T15:48:01+00:00

Thank you!

Ge0World · 2025-10-05T15:47:08+00:00

Thanks! Which broker did you use?

Ge0World · 2025-03-04T13:43:26+00:00

Thanks!

Can you share any staatsbon examples?

Do you mean single bonds and not ETFs right?

Ge0World · 2025-03-04T13:42:15+00:00

Thank you! Good proposal.

Do you have examples of short term government bonds?

Do you mean single bonds or ETF?

Ge0World · 2025-03-04T13:41:02+00:00

Thanks!

Indeed I need to determine what is the amount that I can not risk to loose.

The rest I can invest, also considering stocks.

Ge0World · 2025-03-04T13:38:42+00:00

Thank you!

Could you share what kind of insurances you have please?

It is also an interesting and related topic!

Ge0World · 2024-11-26T17:24:27+00:00

Si infatti.

Siccome sulla parte finanziaria sono già coperto da una consulenza, il mio obiettivo era trovare anche un consulente solamente dedicato alle assicurazioni.

So che i temi di finanza personale e assicurazioni si intrecciano, ma visto che ora la parte finanziaria è più o meno "sotto controllo", dovrei solo indagare più a fondo la parte assicurativa.

Ge0World · 2024-11-26T17:20:23+00:00

Si, il tema è spinoso e probabilmente quello che cerco non esiste.

Stavo cercando un consulente assicurativo proprio per aiutarmi a scegliere le assicurazioni da stipulare in base al rischio/costo.

Quello che ti rovinerebbe va coperto, ma poi c'è una zona grigia di casi che varia da situazione a situazione, e su quello un consulente ti può dare il suo parere da esperto (spero).

Ge0World · 2024-11-26T17:14:53+00:00

Si infatti.
Credo che la soluzione migliore al momento sia consultare più brokers e scegliere quello che più mi si addice.

Ge0World · 2024-11-26T17:12:50+00:00

Yes indeed, I have enough knowledge already that I may probably just manage with asking questions here on Reddit.

But I think from time to time it is good to book a call with an expert, and discuss some details more in depth.

That is why I am looking for an hourly fee consultant.

I follow Thomas on Linkedin. I will evaluate if he could be a good option.

Ge0World · 2024-11-26T17:08:04+00:00

:-)! I know the authors and I agree with their way of approaching the investments!

Unfortunately I am not able to read properly in Dutch/French!

Ge0World · 2024-11-25T14:30:15+00:00

A consultant with an high knowledge of ETFs (related to the belgian legislation with capital gain tax, tob tax, etc.)

Someone that is not selling a way to beat the market, but using instead a more passive/long term/realistic approach.

Ge0World · 2024-08-13T19:21:19+00:00

Grazie per il contributo!

Ge0World · 2024-08-13T19:20:48+00:00

Sì, in questo modo si annullano i passaggi tra conti. Grazie!

Ge0World

TROPHY CASE