Buy-to-let — Belgium

What does it
actually pay?

Nine numbers tell you whether a property covers itself. Change any one of them and everything recalculates.

Currency EUR Basis monthly Tax excluded

1 — Purchase

Purchase price

Purchase costs Registration duties plus notary. Budget around 15 % in Wallonia and Brussels.

Renovation

2 — Financing

Cash down

Interest rate

Term

3 — Running the property

Monthly rent

Yearly costs Property tax, insurance, building fees, maintenance, letting agent.

Void period Share of the year with no tenant.

Left over each month

—net cash flow

Where the rent goes

Voids Mortgage Costs Left over Shortfall

Gross yield: —
Net yield: —
Cash on cash: —
Monthly payment: —

All-in cost of the deal—

Amount borrowed—

Rent collected per year—

Interest paid over the term—

Break-even rent—

DocumentRental yield simulation

MethodFixed monthly payment

AssumptionRent and costs held flat

Drawn—

Indicative estimate only. It ignores tax (indexed cadastral income, taxation of rental income), rent indexation, mortgage life insurance and any change in the property's value. Check the numbers with your bank and your accountant before signing anything.