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In forceCredit institutions and insurers: residential mortgage loans (national)Last checked 11 November 2026

Belgian residential real estate loans data collection (PHL)

A regulatory return listed by the National Bank of Belgium (NBB), Belgium.

Detailed semi-annual data on Belgian residential mortgage loans (exposures, loan-to-value, debt service and income ratios, maturities, credit cost, capital requirements and energy performance scores) for macroprudential monitoring. The scope follows the Mortgage Credit Directive concept and is broader than the ESRB residential real estate loan definition. The updated reporting applies from end-June 2024 (H1 2024). Source

Official title: Data Collection Residential Belgian Real Estate (report PHL)

The facts

Who files
Banks that are 'PHL respondents' (the guidelines do not list them) and insurers whose Belgian residential mortgage loans exceed EUR 1 billion (macroprudential part of Circular NBB_2018_27). Annex 1 to NBB_2026_01 adds for these insurers a yearly report on compliance with macroprudential expectations on mortgage lending (F.10, Circular NBB_2019_27, by 30 April). Source
How often
Most tables as at end-June and end-December (H); tables 15A, 15B, 18A and 18B only at end-December (Y). Source
Deadline
Three months after the end of the reference period: by 31 March (end-December data) and 30 September (end-June data). Source
Format
XML. OneGate domain MBS, report PHL, XML (example phl2024.xml) following the PHL protocol; solo basis, EUR units, percentages to 6 decimals. Source
How it is filed
Filing routes recorded for the NBB: OneGate; NBB Supervision. See how firms file with the NBB.
Status
In force
Legal basis
Group
Credit institutions and insurers: residential mortgage loans (national)

Templates (24)

The tables and forms inside the return. Plain name first, the NBB's code in brackets.

  • Exposures (NN01)
  • Securitisation (N02)
  • Interest rate type (NN03)
  • Interest rate level (N04)
  • Credit risk mitigation (N05)
  • Type (NN06)
  • Loan to value at origination (NN07)
  • Current loan to value (NN08)
  • Maturities at origination (NN09)
  • Debt service to income at origination (NN10)
  • Loan service to income at origination (NN11)
  • Loan to income at origination (NN12)
  • Debt to income at origination (NN13)
  • Additional information buy to let (NN14A)
  • Additional information owner occupied (NN14B)
  • Focus loan-to-value at origination - IRB (NN15A)
Show all 24 templates
  • Focus loan-to-value at origination - STA (NN15B)
  • Joint distribution vintage - LSTI-O (NN16A)
  • Joint distribution vintage - DTI-O (NN16B)
  • Credit cost (NN17)
  • Capital requirements - IRB (NN18A)
  • Capital requirements - STA (NN18B)
  • EPC scores (NN19A)
  • Joint distribution vintage - EPC (NN19B)

Table list in section 1 of the PHL guidelines (update of 2 February 2024); NN14A and NN14B on a best-effort basis until further notice. Source

Validation rules

The NBB publishes the checks it runs on this return. They could not be counted from the published material. They are written for people to read; software cannot run them as published. Source

How they are written: Excel rules file linked on the MBS XML page (not read).

The rules, on nbb.be

How they were counted

Not counted: the rules file phl2024.xlsx could not be read (robots.txt disallows .xlsx).

Counts are in the NBB's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. No data from this return published by the NBB was found on the pages checked. Source

Official documents (6)

The NBB's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see NBB's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: National Bank of Belgium (https://www.nbb.be). Documents copied here are unchanged and are available free of charge on the NBB's website. The plain-English summaries are Line4's own; the NBB does not endorse this library.

Last checked 11 November 2026.