Loan to buy an apartment

In many other countries, if a borrower defaults on mortgage repayments, the lender can go to the courts and gain repossession of the property.
In Belgium, a court will want to be satisfied that the lender took every reasonable step to ensure that the borrower could meet the repayment conditions. Courts here are very reluctant to make people homeless. Hence the norm is that lenders will lend an amount that requires a maximum repayment of about one third of the borrowers monthly income.
Your bank should be happy to give you an idea of what they would lend based on their knowledge of your income and spending habits and you can then look for property that you will be able to afford.

There are, but you'll have to look around. One thing to consider is approaching a mortgage broker. They will have a better knowledge of the market and availability and will actively seek out the best mortgage for you. It's not a recommendattion, as I have never used them, but Immotheker is an example.

https://www.immothekerfinotheker.be/F/votre-habitation/realisez-vos-proj...

Thanks for your post here on this forum because I love to help people and this one of the reason even why I am here so I want to start with idad that taking a loan to buy an apartment is really good because you will get a financial support that will boost you in a financial state and you will be able to buy what you want. Furthemore you can read articles about the finance world on websites like this https://fitmymoney.com/money-saving-apps/ and be ready to face every hard moment in your financial state. I think that you need to look at some online services, not local banks because sometimes they are taking so much of your time.