*Fixed interest rate for 15 years, with a maximum borrowing amount of 80% of the property's value, a net available income (namely the difference between the total income and the total debt) above 2.000€, a debt to available income ratio (namely the relation between the total debt and the total income) below 35% and subject to the approval of the request from Keytrade Bank (see tariff sheet for additional information) ** The APR (Annual percentage rate) is an indicator that allows comparing the loans offered by different credit entities. It is composed of the interest rate of the mortgage loan, increased by the costs that are immediately linked to the subscription of the mortgage loan. For a mortgage loan of 160.000€ with a duration of 15 years and a fixed interest rate of 1,48% and a monthly reimbursement of 991,03€, it is composed of the notary fees including the registration rights linked to the credit of 1760€, the mortgage registration rights of 738€ and the notary and other fees of 1370,50€ based on the amount of the guarantee which corresponds to the borrowing amount. The fire insurance and the outstanding balance insurance, which the borrower has to take, are not included in the APR because those premiums depend on his personal situation. Taking into account those different costs, the APR is 1,86%. The mortgage loan must be secured by at least one of the followings: a mortgage loan, a mortgage mandate or a mortgage promise. Representative example: For a mortgage loan of 200.000€, payable in 240 monthly reimbursements (20 years) at a fixed monthly interest rate of 0,206% (namely 2,5% per year), the monthly reimbursement amounts to 1.057,06€. The borrower will pay 53.694,40 € of interests and will have to face the following costs, included in the APR : Administrative fees: 0€ and the notary fees including the registration rights linked to the credit of 2.200€, the mortgage registration rights of 870€ and the notary and other fees of 1370,50€ based on the amount of the guarantee which corresponds to the borrowing amount. The fire insurance and the outstanding balance insurance, which the borrower has to take, are not included in the APR because those premiums depend on his personal situation. Taking into account those different costs, the APR supported by the borrower is 2,7509%.