Is there public assistance available?

Direct aids in the form of a capital payment

Each person can benefit from a lump sum of direct aids in the form of a capital payment up to a total amount of EUR 35.000, known as the “capital payment pot”. A beneficiary may receive one or more of these subsidies for several successive homes. Each subsidy is calculated on the basis of the net income of the applicant’s domestic community, i.e. the combined net income of all the members of the household of the home to be purchased. Any principal assistance (including that already awarded in the past) is deducted from the total amount until the capital payment pot is exhausted. If there is more than one beneficiary, each instalment of a premium is allocated equally among them.

  • Home ownership incentive of up to EUR 10.000 (+40% for a commonhold property or a terraced house and +15% for a semi-detached house)
  • Renovation subsidy up to 40% of the total amount (excluding VAT) of invoices for improvement work carried out, with a minimum of EUR 500 per invoice (excluding VAT)
  • Savings subsidy of up to EUR 5.000 over 10 years
  • Topup Klimabonus subsidy from 10% to 100% of the initial Klimabonus amount

Interest assistance

  • Interest subsidy of between 0,25% and 3,5% of the mortgage rate

State home loan guarantee

A state home loan guarantee can be applied to those lacking sufficient own funds. Prerequisites to benefit from the guarantee : holding a savings account at the same banking institution. This savings account must be credited with at least EUR 1.000 per year for at least 3 years prior to the application. The amount of the loan must cover at least 60% of the cost of the project.

Climate loan

The goal of the interest subsidy for climate loans is to encourage sustainable energy renovation and reduce energy consumption.


  • Loans considered up to a maximum of EUR 100.000
  • Interest subsidy of up to 1,5% without exceeding the effective rate of the loan