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The housing loan can be used to buy, build or renovate a dwelling. Raiffeisen offers fixed-rate or floating-rate loans, generally for a term of 10 to 30 years.
Your benefits
Personalised plan
Fixed or floating rates
Advice on structuring your finance, state aid, tax optimisation and insurance

Your dreams grow, we make them come true

Raiffeisen is a cooperative bank – and that makes all the difference. Even for your mortgage!

To find a solution to suit your requirements, we work with you to decide on a fixed or floating rate, the term of the loan, the monthly repayments and state aid. Your project is important to us so we guarantee you a swift reply. We can also adapt to your schedule by offering appointments outside the agency’s opening hours or we can come to your home.

  • Attractive fixed and variable rates
  • Advice outside usual agency hours, from 08:00 to 16:30, and Tuesdays, Wednesdays and Thursdays until 19:00.
  • Home visit from an advisor if you prefer
  • Help in obtaining state aid

Together, we can make your dream come true

The housing loan is available to finance:

  • The acquisition of land to build on, a house or an apartment,
  • new home build,
  • Conversion work in an existing or newly acquired dwelling. 

Raiffeisen can also help you with an acquisition abroad.


R-Logement is more than just a loan.  ​

You also benefit from:

ADVICE: Finance structuring, state aid, tax optimisation, insurance and so on. We can answer all your questions. Make the most of the experience and expertise of our advisors and find the best solution for your personal situation.

SPEED: Buying a home, land or an apartment is a big step for anyone. We are well aware of this. So you don’t miss out on an opportunity, we do all we can to make sure you get an answer as quickly as possible. You will soon know where you stand so you can take your project forward. R-Logement, more than just a loan.

FLEXIBILITY: A floating rate, fixed rate or a mix of both? Your repayment plan can take the term of an investment or life insurance into account. Our loan arrangements are always made to measure.

CLOSENESS: This is something that sets us apart... you are never far from one of our agencies. Wherever you are, our staff will reserve you a warm welcome and remain on hand to assist you at every stage of your project.

Housing loan

R-Logement : Together, we can make your dream come true.

Good to know

Insurance on the outstanding balance

With a view to protecting your loved ones in the event of death, the loan can be combined with insurance on the outstanding balance, to cover the amount that remains due.


Tax deductible

The interest paid on a housing loan used to acquire your main home can be deducted from your taxable income, within the limits provided for by the law.

Handy tools

Finance plan 

Download  the document and use it to calculate your finance plan or contact a Raiffeisen advisor who will help you find the best solution for you.



Calculate how much you would pay each month to refund your loan. Complete the fields in the loan calculator.