Question 1

Is kredietscore.be free?

Accepted Answer

The calculation guide and broker advice are free. The comparison tool itself costs €29.95 as a one-time fee, no subscription, no hidden costs. Prefer not to calculate yourself? You can contact a certified mortgage broker for free who will do everything for you.

Question 2

What's included in the free guide?

Accepted Answer

The free guide explains step by step how to compare a home loan: the APR formula, notary costs, variable rates and mortgage life insurance. This way you're well prepared before you walk into a bank.

Question 3

What do I get for €29.95?

Accepted Answer

For €29.95 (one-time) you get access to the full comparison tool: automatic reading of quotes, a complete amortisation schedule per bank, APR calculation including additional costs, charts and a savings potential. You can also save and download your results as a PDF.

Question 4

How does broker advice work and what does it cost?

Accepted Answer

Via the "Free advice" page you can contact a certified mortgage broker without obligation. This is completely free for you as a consumer. The broker compares, negotiates and guides you from quote to notary. They receive their fee from the bank, not from you.

Question 5

How does automatic quote reading work?

Accepted Answer

You upload a PDF or photo of your loan quote. Our AI technology automatically recognises the interest rate, amount, term and other relevant parameters. You verify the extracted data and adjust if needed, after which the comparison is immediately updated.

Question 6

What is the APR (Annual Percentage Rate)?

Accepted Answer

The APR is the most complete cost figure for a loan. It includes not only the nominal interest rate, but also all additional costs such as file fees, notary fees and mandatory insurance. The lower the APR, the cheaper the loan in total.

Question 7

What is mortgage life insurance (MLI)?

Accepted Answer

Mortgage life insurance pays out the remaining balance of your loan upon death. Banks often require this as a condition for a mortgage loan. MLI 100% covers the full balance for one borrower; MLI 200% covers both borrowers each for 100%.

Question 8

Can two people compare a loan together?

Accepted Answer

Yes. In the client profile you can choose individual or joint borrowing. With two borrowers, kredietscore.be includes both incomes and calculates the debt-to-income ratio for the whole household.

Question 9

What are reference indices?

Accepted Answer

Reference indices are the benchmark values to which variable mortgage rates in Belgium are linked. They are determined by the FPS Economy and published monthly or annually (Index A through J). Kredietscore.be shows the historical evolution of all these indices.

Question 10

Does kredietscore.be store my quotes?

Accepted Answer

When you are logged in, you can save comparisons in "My comparisons". Without an account, the data is only stored locally in your browser and not on our servers.

Question 11

How accurate are the calculations?

Accepted Answer

Kredietscore.be calculates accurate amortisation tables based on the annuity method. We also account for file fees, notary costs (using the Belgian bracket system), insurance and interest discounts based on ancillary products. The calculations are indicative, exact costs will be confirmed by your bank or notary.

Everything you want to knowabout kredietscore.be

Everything you want to know
about kredietscore.be