ready. You are currently on: Guaranteed Housing Insurance for mortgages

Guaranteed Housing Insurance for mortgages

The Guaranteed Housing Insurance is a free insurance. If you have been working for at least one year (self-employed or as an employee), you can take out this insurance for ten years when you take out a mortgage to build, buy or renovate a house. The insurance premium will be paid by the Government of Flanders.

If you involuntarily become unemployed or incapable of work during this period, you may receive a contribution towards the repayment of your mortgage.


At the time of the application you must not have any other insurance coverage against income loss from the Government of Flanders for the same house.

Furthermore, you must meet a number of conditions that pertain to:

  • your profession
  • your loan
  • your house
  • your income (only in case of new builds).

At the time of the application for a contribution, you must:

  • have taken out the Guaranteed Housing Insurance
  • be able to prove that you are involuntarily unemployed or incapable of work.


Application of the insurance

Please apply for the Guaranteed Housing Insurance online(opens in new window) (only in Dutch) within the year after the first withdrawal of capital from your mortgage.

Application of the contribution

Apply for the contribution with Ethias insurance company.

After the application and a three-month waiting period you may receive a contribution towards the payment of your mortgage for a maximum of three years. To this end you must be able to prove that you are incapable of work or involuntarily and fully unemployed.


    The contribution will be paid directly to your credit institution each month.

    The amount depends on:

    • the income loss you actually suffered;
    • your monthly mortgage payments;
    • the length of the period for which you apply for the contribution.

    The premium will never be higher than 500 or 600 euros per month.

    • Last revision 15/11/2023
    • Participating network
    Logo Your Europe