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lol if you did not study this question better not to buy lol …obviously

@kezz

Hello, if you can buy a house cash there is no problem at all. If you need a mortgage there are 2 conditions to obtain a mortgage as a foreign person :

1. you have to have your residence in Belgium (which is the case for you)
2. your salary has to be paid in euros

Always best to ask an appointment at a bank. One of the best banks in Belgium for obtaining a mortgage as an expat is KBC.

Thanks so much Marleen for your input. Yes, I have resident permit for 5 years. The issue is that my husband thinks I won't be able to co sign a mortgage with my Fcard.

@kezz

Hi there.

There is no restrictions.You can easily buy a property ,unless your mortgage is approved. Many cases they are checking your regular income (bruto salary) and according that calculation given an amount of credit for buying property

Wish you good luck to have it .

Hello,

I have A-card. I wanted to buy an apartment after being in belgium for 2 years in a work permit. I was working on a CDI contract. I went to ALL banks here in Belgium asking for mortgage. Most of them refused because I don't hold a permanent residency.

I don't know if things changed now. that was 3 years ago.

now I'm about to complete 5 years and get the permanent residency. I will immediately purchase a home. I already had enough time to search and learn about real-estate in Belgium.

good luck

@nyamani77

You don't need a permanent residency to get a mortgage. For example, KBC provides mortgage for A-card holders who meet their requitements.

@nyamani77

How don’t you get it banks is private business .. if ur finance data is good they give loan even to refugee lol … its pure calculations … you put ur own 20-30% and that’s it they don’t care

@maharaji1984

Ok. Thanks Maharaji

@nyamani77

Go and try again. And use KBC like most are suggesting.

@Kezz

Dont hesitate and no one should put doubts in your head.

I bought a house with my husband 10 years ago and I only had an Annex 20 ( can’t remember exactly but went to city hall every month to renew)

The bank looked at both of our salaries and we had a 50k deposit, the bank (ING) approved everything.

We own the house together.

Good luck

Jacinta.

@Jaci78

Thanks Jaci for the info.

@kezz

Yes, your husband indeed has a point. You may not be able to co-sign a mortgage because of your F Card. If You had an F+ Card (Permanent residency), the situation would be different.

However, you could technically go around it, if you have a permanent employment contract where you earn beyond a particular threshold (determined by the bank). or if you can demonstrate solid finances.(And that depends on the bank as well).

But for the most part, co-signing a mortgage on an Alien card, is usually a difficult one to pull off these days.

@Raumdeuter

Really! I read online that even people without residency can buy properties here, its all about the money.

'##Can expats buy property in Belgium?

There are no restrictions to stop foreigners buying property in Belgium or taking out a Belgian mortgage, even if they are non-resident.

However, different tax implications apply between resident and non-resident buyers in Belgium. You can read about Belgium’s visas for foreigners, as well as applicable Belgian taxes.## culled from expatica.com

@kezz

Please don't get me wrong, I did not say it is impossible... If you are buying cash, that's obviously not an issue.

I was specifically pointing out the part, where co-signing a mortgage with an F card is required to buy a property, at that point some banks would spell the requirements out.

However please let us know your experience, if you eventually pull it off, because it would also be a more up to date source of info on this matter.