1st March 2023

How much can you borrow for a real estate project?

Are you considering a real estate project but don't know if you can afford it? You can find out the sum that you'd need to borrow and how much you are able to repay by producing a financing plan!

What is a financing plan?

A financing plan is used to find out both how much your investment will cost and your available resources.

Step 1: How much are you able to repay?

The amount that you are able to repay is equal to the sum of your regular income, from wages or family benefits, for example, less your total regular outgoings, e.g. monthly repayments of existing loans or home-purchase savings plan instalments.

As a general rule, you should be able to spend a third of your monthly budget on repaying your real estate loan. This limit may be exceeded, however, providing that you are still able to balance your budget. Your personal circumstances are unique and only your housing advisor will be able to provide you with a tailor-made financing plan.

Just subtract your total own funds from the total costs to find out how much you need to borrow!

Step 2: How much do you need to borrow?

To find out how much you need to borrow, just list all of the project costs, such as the building purchase price or construction cost, the cost of the land, and the cost of any renovations, without forgetting related expenses such as architect's fees and mortgage deed fees. This will tell you the total costs.

Your financing plan

Project costs

Purchase price
Basic registration charges
Recording rights to pay
Notary fees
Other costs

Tax benefit

Tax credit

Personal contribution

Own funds investment
Home savings scheme
Other sources of funding


Total costs
Total contributions

Loan amount
Nominal rate
5,70 %
Annual Percentage Rate
5,88 %
Monthly instalment (over 30 years)

This simulation gives you an estimate and is not binding on Spuerkeess in any way whatsoever. For a specific quotation, please contact one of our branches or fill in your online request.

Get the results via e-mail
Download the PDF

You want to learn even more?

Housing Financing