Renovation Loan for Owners' Associations

Renovation Loan for Owners' Associations

Why a renovation loan for owners' associations?

Energy and insulation standards are getting increasingly stricter in Flanders. That's something you'll be faced with sooner or later if you own a unit within a larger multi-owned building. That includes having to ensure that your building conforms to new, stricter roof insulation rules due to come into effect in 2020.
Required renovations can come with a hefty price tag. Owners' associations often don't have enough funds available, plus individual members may not be able to (or want to) contribute financially.
That's where a KBC Brussels Renovation Loan for Owners’ Associations comes in. It's our loan that enables owners' associations to make quick financial decisions when it comes to major renovation costs.

What is the KBC Brussels Renovation Loan for Owners’ Associations?

It's a form of investment loan for owners associations with the following features:

  • Term of 3 to 20 years
  • Fixed rate of interest
  • Equal repayments

This renovation loan is intended for energy-saving and essential renovations costing at least 100,000  euros in shared parts of a building, such as roof insulation, façade improvements or high-efficiency glazing. At least three owners have to take out the loan for no longer than 20 years.

To secure the loan, owners associations are required to take out a special credit insurance policy, covering them and all their members if one of them should default on a payment.

If your loan application is for less than 100,000 euros, go to our Home section to see what options are open to you.

For more details of how this loan works, see the 'More info' section at the bottom of this page.


  • Certaintly about when the renovation works can start
  • Clear idea of when renovations can start
  • Certainty about how much you repay and for how long
  • Not all individual owners have to take out the loan
  • The OA credit insurance policy protects the financial reserves of the owners and the OA.
  • Eco-friendly investment


Apply for your renovation loan for owners' associations

Fill out the application form
A KBC Brussels employee will contact you ...
... and helps you complete your application

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