The number of mortgage credits explodes in Wallonia: “This confirms a confidence found in the real estate market”

A leap of 32.5%

“The number of credits request is continuing its positive trend in the last quarters and confirms a confidence found in the real estate market thanks to the slight drop in interest rates and the drop in registration rights in Wallonia”said Ivo Van Bulck, director of the Retail Credit Committee in Febelfin.

Compared to the first quarter of 2024, the number of credits granted jumped 32.5 %, with more than 52,500 loans granted, for a total exceeding 9.6 billion euros.

With this recovery, the amounts borrowed also start upwards. It is now necessary to count around € 214,000 for a purchase of accommodation, € 240,000 for a construction and € 248,000 for a purchase with renovation.

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Fixed rates are largely privileged

Caution remains in borrowers: more than 94 % have opted for a fixed or semi-fixed rate (initial fixity period of at least 10 years). Only 2 % opted for a variable rate revised each year. Finally, the recent drop in rates has revived external refinance, up 125 % over a year. Nearly 3,000 refinctions were recorded in early 2025, for an amount of 424 million euros.

A few months ago, rates never seen since … 2008