°µÍø½ûÇø

lol if you did not study this question better not to buy lol …obviously

@kezz

Hello, if you can buy a house cash there is no problem at all. If you need a mortgage there are 2 conditions to obtain a mortgage as a foreign person :

1. you have to have your residence in Belgium (which is the case for you)
2. your salary has to be paid in euros

Always best to ask an appointment at a bank. One of the best banks in Belgium for obtaining a mortgage as an °µÍø½ûÇø is KBC.

Thanks so much Marleen for your input. Yes, I have resident permit for 5 years. The issue is that my husband thinks I won't be able to co sign a mortgage with my Fcard.

@kezz

Hi there.

There is no restrictions.You can easily buy a property ,unless your mortgage is approved. Many cases they are checking your regular income (bruto salary) and according that calculation given an amount of credit for buying property

Wish you good luck to have it .

Hello,

I have A-card. I wanted to buy an apartment after being in belgium for 2 years in a work permit. I was working on a CDI contract. I went to ALL banks here in Belgium asking for mortgage. Most of them refused because I don't hold a permanent residency.

I don't know if things changed now. that was 3 years ago.

now I'm about to complete 5 years and get the permanent residency. I will immediately purchase a home. I already had enough time to search and learn about real-estate in Belgium.

good luck

@nyamani77

You don't need a permanent residency to get a mortgage. For example, KBC provides mortgage for A-card holders who meet their requitements.

@nyamani77

How don’t you get it banks is private business .. if ur finance data is good they give loan even to refugee lol … its pure calculations … you put ur own 20-30% and that’s it they don’t care

@maharaji1984

Ok. Thanks Maharaji

@nyamani77

Go and try again. And use KBC like most are suggesting.