Social mortgage loans: Wallonia and Brussels

Why a social loan?

The Brussels Region’s website describes the Housing Fund’s loan as intended for buyers who cannot finance their project through a bank, for lack of sufficient income or deposit (own funds). According to notaire.be, the rate of social loans is “attractive” and varies according to the applicant’s income.

Wallonia: the SWCS loan

The SWCS mortgage loan (mortgage loan; “Accesspack” formula) lets you buy or build your home. It is granted by the SWCS, or by the Fonds du logement des familles nombreuses de Wallonie (FLW, the Walloon housing fund for large families) for larger families.

Who can benefit?

According to the wallonie.be page consulted on 13 October 2026:

• you are a single person, a single-parent family or a family with at most 2 dependent children (beyond that, the page refers you to the FLW);
• you are at least 18 years old and the loan must be repaid before your 76th birthday;
• you are domiciled in Belgium and you are not full owner of another home;
• your income is stable and does not exceed €81,700 of aggregate taxable income;
• you have sufficient financial capacity to repay.

Which property?

• The property is located in Wallonia and you occupy it personally for the whole term of the loan.
• Its market value is below €290,000, or €391,500 in a high-pressure property zone.
• It is fit for habitation, or must become so after works, and its roof is insulated or will be after works.
• The mortgage is taken in first rank.

Rate, term, formulas

The rate is fixed and adapted to the income category. The term ranges from 5 to 30 years. The page cites three formulas: the Accesspack (purchase and/or improvement works), the young person’s loan (annual reduction of 0.40% on the rate, depending on the income category) and the mixed loan (purchase, plus renovation works of up to €60,000). The page also mentions a 0.4% reduction for under-35s, without specifying how it combines with the young person’s loan: ask at the counter.

Mortgage life insurance (assurance solde restant dû; minimum 100%) and fire insurance are required, with a company approved by the FSMA. See the guide on mortgage life insurance.

The steps

1. Make an appointment with an approved social credit counter for a simulation.
2. Bring your identity card, your last three payslips or bank statements, your latest tax assessment notice (avertissement-extrait de rôle) and your household composition.
3. Do not start works before the deed is signed at the notary’s.

The SWCS can be reached on 078/158.008 (contact@swcs.be).

Brussels: the Housing Fund loan

The Fonds du Logement de la Région de Bruxelles-Capitale (Housing Fund of the Brussels-Capital Region) offers a mortgage loan for a property located in the Brussels Region.

Income conditions

The Fund publishes taxable income ceilings (latest tax assessment notice), consulted on 13 October 2026:

Beyond 4 dependants, these amounts are increased by €5,000 per additional person.

Other conditions

• Reside permanently in Belgium.
• Not own another property, in Belgium or abroad.
• The household occupies the whole dwelling, located in the Brussels-Capital Region.

The Fund’s page gives no maximum property value. According to be.brussels, the conditions cover the household’s eligible income and the maximum value of the dwelling: run the Fund’s simulation or contact it for the ceiling in force.

Rate and term

The rate is fixed, with constant or progressive monthly instalments (increase of 1% per year). According to the Fund’s page (fonds.brussels), the minimum rate depends on the family situation:

The maximum term is 30 years, with full repayment at the latest when the youngest borrower reaches 70. The amount depends on your repayment capacity. The loan can cover the price or the construction, certain works and the deed costs, and can reach, in some cases and if the Fund considers it justified, 120% of the value of the property. The page gives no minimum deposit percentage.

The be.brussels page, for its part, mentions fixed rates from 3.25% to 5% (instead of 3.75% to 5% according to the Fund for the most favourable profile). The two pages do not agree on the minimum rate: the rate you will be offered appears in the Fund’s offer.

Social credit companies

According to be.brussels, there are also social credit companies in Brussels, with the Region’s guarantee, which can grant loans at a reduced rate. Their income and value conditions are not detailed on that page: enquire with the Region or the Fund. Also check whether the Fund is currently processing new applications.

Which professional to consult

The approved social credit counter (Wallonia) or the Housing Fund (Brussels) runs the simulation and checks your conditions. A credit broker can compare with banks’ offers. The notary executes the purchase deed and the loan deed.