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Flanders
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    Guaranteed Housing insurance

    The Guaranteed Housing insurance is a free insurance. 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.

    Conditions

    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 of a contribution, you must:

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

    Procedure

    Application of the insurance

    Apply for the Guaranteed Housing insurance by means of an ‘application form’ 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.

    Amount

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

    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 insurance.

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

    Exceptions

    In case of a new build, your income will have to be within a certain limit, in order to be able to receive a Guaranteed Housing insurance. This is not the case when purchasing or renovating a house.

    Publications

    Verzekering gewaarborgd wonen. Toelichtingsbrochure en aanvraagformulier 2018

    De verzekering gewaarborgd wonen is een gratis verzekering die u als werkende persoon kunt afsluiten wanneer u een hypothecaire lening aangaat voor het bouwen, kopen en renoveren van een woning. Ze zorgt ervoor dat u uw lening kunt blijven afbetalen ook als u even niet kunt werken. De brochure bevat informatie over de wijze waarop u het aanvraagformulier moet invullen.

    Contact

    Wonen-Vlaanderen (Housing Agency Flanders)
    Havenlaan 88 Bus 40B
    1000 Brussels

    Tel.: 1700
    Fax: 02 553 82 55
    wonen@vlaanderen.be