Your renovation loan
- Make your dream renovations happen
- Work out your loan at a top-value rate
- Apply for your loan online (even if you’re not a customer with us)
Make your dream renovations happen
Time to give your living room a new look or want to renovate your kitchen or bathroom? Whatever your plans, the KBC Renovation Loan may be just what you need to realise them. You borrow at an attractive rate and you don’t have to pay any origination or registration fees. What’s more, your rate is fixed so your repayments stay the same each month.
Tip: if at least half of your renovations are for energy-efficiency purposes, you can apply for an energy loan at a lower rate.
> Learn more about our energy loan
Work out your renovation loan at a top-value rate
If you know how much you want to borrow for your renovations, you can work out your loan online in KBC Touch and KBC Mobile, just like you would in your KBC branch. Flexibility and convenience guaranteed!
You’ll quickly see:
- Your rate
- The amount you pay each month
- The term of your loan
Apply for your renovation loan online
If you like what you see after running your simulation and you’ve looked closely at the costs involved, apply for your renovation loan online (even if you’re not a customer with us).
You can use KBC Touch and KBC Mobile to get a complete overview of your loan.
You’ll quickly see:
- How much you have left to pay off
- When your next repayment is due
- How long your loan still has to run and what you pay each month
And if you have any questions or need advice, our KBC Live staff are on hand to assist you.
More information about the KBC Renovation Loan
The rate of interest is 3.99% (4.49% as from 85 months).
The best term for you will depend on how much you want to borrow and how much you can spare each month. The longer the term, the less you'll have to repay each month and the easier it will be to pay off your loan. The shorter the term of your loan, the more you'll have to repay each month but you'll pay it off sooner and consequently pay less interest. At KBC, the choice is in your hands.
There are a few legal limits that apply to the term of a loan: these are automatically built into the car loan calculator.
| Amount borrowed |
Maximum term |
| up to 2,500 euros | 24 months |
| up to 3,700 euros | 30 months |
| up to 5,600 euros | 36 months |
| up to 7,500 euros | 42 months |
| up to 10,000 euros | 48 months |
| up to 15,000 euros | 60 months |
| up to 20,000 euros | 84 months |
| up to 50,000 euros | 144 months |
We will disburse your renovation loan
- once we have received the signed documents and proof of investment from you
- onto a specified account or joint account in your name
You start making your loan repayments one month after your renovation loan is paid to you. All subsequent monthly repayments will take place on the same day of the month as the initial repayment.
If so, there are even more ways to get financing for your renovation or home improvement plans, but that's something we should look at together.
Instalment loan details
Legal information
Credit type: Instalment loan provided by the lender KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels, FSMA 026.256 A. Subject to your loan application being approved by KBC Bank NV and mutual agreement.
