The National Bank of Belgium published new statistics on Belgium’s market for loans for house purchase, showing a strong rebound in new lending volumes and a sharp increase in average loan size in 2025, while long-term contracts remained dominant despite rising rates. New loan volumes reached EUR 40.7 billion in 2025, up from EUR 31.7 billion in 2024, with an annual growth rate of 3.9% compared with around 2.0% in each of the previous two years. Loans for purchases of real estate, with or without renovation work, accounted for around 75.0% of new lending, while the share of new builds fell from 14.1% to 11.0% over two years. The average value of a new loan excluding refinancing rose from EUR 168,656 to EUR 187,632, mainly driven by higher amounts borrowed for house purchases, and long-term contracts represented 74.3% of the average monthly volume in 2025.
National Bank of Belgium 2026-02-05
National Bank of Belgium data show Belgian home purchase lending rose to EUR 40.7 billion in 2025
The National Bank of Belgium reported a significant rebound in Belgium's housing loan market in 2025, with new lending volumes reaching EUR 40.7 billion, up from EUR 31.7 billion in 2024, and a notable increase in average loan size. Despite rising rates, long-term contracts remained prevalent, accounting for 74.3% of the average monthly volume.