Les meilleurs outils pour faire fructifier durablement votre patrimoine
22 January 2026
Savez-vous quels outils utiliser pour investir en Belgique
Purchase a second home with alternative financing!
The setup is simple, but extremely effective from a tax perspective. It involves using the tax leverage provided by the second (supplementary) pension pillar.
Be careful, borrowing money also costs money.
insurance for company executives or employees
an individual pension commitment (EIP)
a supplementary pension plan for self-employed workers (PLCI)
This can be done at any time for private real estate purposes, whether for the purchase or improvement of a residential property, an investment property, or a second home. It is also possible to repay a mortgage.
In other words, this means that you can anticipate the capital provided for under these contracts and invest it in private real estate.
In addition, if your reserves are insufficient, you can pledge your contracts and thus obtain credit for your second home. Please note that in the case of credit, this is not a traditional loan (with repayment of capital) but rather a so-called "bullet" loan (bullet loan at the best rate with the RGF Group), i.e., a loan for which only the interest due is payable. In this case, the principal will be replenished by a contract fully covered by the company and therefore 100% deductible. In addition, the interest is fully deductible up to the amount of your cumulative real estate income.
For a free review of your file, perform an online simulation or make an appointment with one of our advisors.
BEWARE, BORROWING MONEY ALSO COSTS MONEY.
REPRESENTATIVE EXAMPLE:
TYPE OF LOAN: BULLET LOAN – TOTAL LOAN AMOUNT: €250,000 – MONTHLY PAYMENT AMOUNT: €397.91 – APR: 1.91% – FIXED INTEREST RATE FIXED : 1.91% – LOAN TERM: 30 YEARS – TOTAL AMOUNT DUE: €393,247.60 – NO DOWN PAYMENT
🙋 What are the tax implications of owning a second home?
🙋 How can you protect your capital from monetary erosion?
🙋 How can you immediately improve your purchasing power?
🙋 How can you invest in real estate and immediately start earning rental income?
🙋 What are the taxes for a second home in Belgium (on the Belgian side) or abroad (France, Spain, Luxembourg, etc.)?
🙋How do you declare your second home and what is your capital gain?
So many questions, so many answers!
No more complex and risky tax arrangements—finally, an indisputable solution!
Our experience in this field and our tax expertise are widely recognized, enabling us to put theory into practice and find solutions for every situation.
Our independent approach to insurance and credit facilitates negotiations. Our banking department enables us to conclude deals at truly unbeatable rates.
Choosing the right insurance partner is also crucial, as some companies allow you to benefit from reserves accumulated at a rate of 0%. It's magical!
Complete the form below to receive a simulation.
Savez-vous quels outils utiliser pour investir en Belgique
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*Fixed-rate loan 1.19% variable 5/5/5 15 years.
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