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Relevant, innovative, personal offers shorten the customer journey. As a result, they influence buyers and grow sales. Real estate merchants and property developers can show home buyers the type of home they can afford with the KBC Home Loan Simulation. This time-saving, custom budgeting tool means a win-win situation for both the merchant or developer and the buyer. On the one hand, the merchant can target specific know-how and attract the right buyers. On the other hand, the buyer will instantly know the viable options.

KBC is a strong, reliable brand with an excellent reputation. Consequently, it has received a string of awards for its products and services. Merchant partners get a dedicated account manager, who monitors the partnership and keeps optimising the operations. Clients also get extensive support from KBC Live from Monday to Friday from 8 a.m. to 10 p.m. and on Saturdays from 9 a.m. to 5 p.m.

There are 2 versions of the KBC Home Loan Simulation.

  • Firstly, the general version shows the monthly instalments based on the home’s asking price. Buyers can adjust the loan term and the amount they wish to borrow. However, this simulation does not take into account the buyers’ limits.
  • Secondly, the more advanced version uses specific buyer details to paint a more individual picture of the options. It therefore uses all the buyer details the merchant or developer has in its system. In addition, it will ask the buyer to enter any missing personal details and other data about the planned loan. In conclusion, it will show an overview of the buyer’s personal repayment capacity. 


Making buyers aware of their budget saves a lot of time. The buyer will get customised details on the home loan’s feasibility, charges and admin. As a result, their search will focus on matching homes only. Equally, they will only negotiate with sellers of suitable homes. This will also speed up the decision making process. And the project developer or real estate merchant will not waste any time on sales that can’t go ahead due to money constraints.

The KBC website also offers further details on the KBC Home Loan Simulation.


Who should offer the KBC Home Loan Simulation?

Websites, platforms, apps, (turnkey) project developers, architects, real estate agents and other providers can offer this extra service to home buyers.  


How the KBC Home Loan Simulation works

Online merchants and project developers can now offer the KBC Home Loan Simulation in 2 ways:

1. They can offer a home loan simulation widget on their website

Merchants and developers can integrate a KBC loan simulation widget into their website. Online buyers can use the widget to instantly simulate their monthly instalments based on the amount they want to borrow and the loan term they prefer.

Homeloan Widget step 1

First, the buyer uses the KBC widget on the merchant's website to simulate the loan's monthly instalments. The buyer can indicate the borrowed amount and the preferred loan term.


Then the buyer can go directly to the KBC website to apply for the loan.

2. They can integrate a home loan simulation API into their website

The API is added to a website, platform or app. Users can be individuals looking to buy real estate or an intermediary such as a real estate broker. This will depend on the platform.


Firstly, the user selects a home on the partner's platform. The platform already knows the home’s details.


Secondly, the user enters certain details, for instance marital status, income, kids, costs, own assets and the term of the planned loan. 


Then the user receives a customised response on the loan's feasibility based on the entered data. The price will be based on whether the buyer is taking out KBC home insurance and KBC loan balance insurance. It will also depend on whether the buyer’s income goes to a KBC account. KBC will check the data and advise the buyer based on the loan's feasibility. The buyer can then fill out the actual loan application on the KBC website so that it can be accepted or rejected by KBC. 

Free of charge

The KBC Home Loan Simulation is free to all users and KBC partners. Get in touch for more info.

KBC partner requirements

Merchants and developers using the widget to offer a general estimate only need to sign a Partnership Agreement with KBC before they can get started. This agreement describes the scope and operating model of the partnership. Our FAQ section offers further details on the Partnership Agreement.

The Belgian Financial Services and Markets Authority (FSMA) requires merchants using an API solution to register as a credit intermediary. To become a credit intermediary, the merchant has to meet certain requirements, such as a one-off training course and exam. Of course, KBC helps its partners to gain credit intermediary status. Merchants offering loans must also get professional liability insurance. This covers any merchant mistakes during the loan registration process. The KBC website has further information on professional liability insurance.

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