Crédit en Belgique : Tout ce que vous devez savoir sur votre crédit
How to calculate the cost of financing a new car?
To calculate the financing for the acquisition of a new car, the simplest way is to use a simulator. On the CPE website, you have a powerful tool that allows you to find out the amount of your monthly payments in just a few clicks. This solution offers the possibility of quickly sending your credit…
Calculation of interest rates in Belgium
There are undoubtedly many of you wondering how and by whom the interest rates that affect your credits in Belgium are set. This is what we will examine in a very simplified way in this article. From the outset, we can say that the interest rate is truly the crux of the matter for prospective…
Our entire team wishes you a Merry Christmas!
The CPE offers you unique credit assistance in Belgium. Meet our team now. At Crédit Populaire Européen, our brokers take your consumer credit application or your mortgage loan application in several languages: we process our files in Dutch, English, Spanish, Portuguese and Italian! Furthermore, we welcome you to Mons, Arlon and Luxembourg. In some cases,…
Change banks without stress?
Before the adoption of the banking mobility service, changing banking establishments was a real ordeal for users. Banks were reluctant to let their customers leave for competitors and increased obstacles to force them to stay. Thanks to the banking mobility service, it is now easier for the customer to change banking establishment, because the formalities…
Become a guarantor for a mortgage loan
Acting as guarantor for a mortgage loan to enable a loved one to obtain credit to buy the house of their dreams is a noble commitment, but the scope of it must be carefully measured beforehand. Indeed, acting as guarantor means agreeing to honor the borrower’s debts to the credit organization in the event of…
Operational leasing and financial leasing
You would like to lease a company car. In this case, you have the choice between operational leasing and financial leasing. Please note, these two formulas are only intended for companies, self-employed people or professionals, never for individuals. A comparison. Financial leasing With financial leasing, you rent the car for a specific period from the…
Joint bank account: good or bad choice?
Like all other bank accounts, the joint account or collective account has advantages and disadvantages that it is important to know before opening it. Mastering the operating principle of such an account makes it possible to measure the risks it generates and to better prevent possible disappointments. How does a joint bank account work? The…
One in two unemployed people are not actively looking for a job
This is the very latest result of the Onem report and it is the lowest figure (53.2%) with the year 2009 (53%) since the establishment of controls on the availability of the unemployed And you what do you think ? Exchange your opinions on our financial, economic, political and tax news blog These are the…
The Personal Credit Center
The Central Personal Credit Center is a state body which is part of the National Bank of Belgium. As soon as you take out a consumer loan or a mortgage loan, you will be concerned by the role of the Central Personal Credit Office. Let’s take stock of this institution that everyone talks about but…
The consequences of dismissal on your credit contract
In this turbulent period on the job market where unfortunately many citizens are losing their jobs following a company restructuring or a relocation of commercial activity, many of our worried customers are asking us about this question. thorny consequences of a job loss on their current credit contract. We will take stock of this issue…
Compare several mortgage loan offers?
Are you about to purchase real estate? Whether it is a purchase to establish the family’s main home or a real estate investment, you are making a good decision because real estate remains a sure value which is constantly evolving upwards and in any case which experienced only very rare temporary depreciations. In summary, by…
What is a credit broker?
—”Hello, am I at the Crédit Populaire bank?” —”Certainly sir, you have correctly formed the number of Crédit Populaire Européen, how can we be useful to you?” Find out what a credit broker is. To begin with, everything is fine! Except that Crédit Populaire Européen is not a bank but a credit and insurance intermediary….
Crédit Populaire Européen Luxembourg
Crédit Populaire Européen, established since 1996 and specializing in personal and mortgage credit, is proud of its established presence in Luxembourg. Therefore, our Luxembourg customers are invited to visit us in our agencies in Esch-sur-Alzette or Mersch. In addition, we offer a complete range of financial products, including personal loans, mortgage loans, loan consolidations and…
Online credit application
Crédit Populaire Européen has decided to entrust the creation of its new website. The website address www.cpe-credit.com is unchanged but the website will present new functionalities which will prove very useful for the Internet user wishing to submit an application for a personal loan and mortgage credit or for the Internet user simply looking for…
Your installment loan and the grant
Can we establish a link between the contraction in the number of installment loans granted and the financial health of national and European stock markets? A quick update on a burning current issue. A worrying observation The financial crisis that we are experiencing in Europe began in 2008 and was directly exported from the subprime…
Take out a loan as a company director
In Belgium, most companies are SMEs, that is to say Small and Medium Enterprises. When they suffer from cash flow difficulties, it is not uncommon for a request to be granted credit, over a short and specific period, to compensate for the temporary lack of liquidity. Unfortunately, many banks and brokers refuse to take out…
Granting credit to an unemployed person
Not a day goes by in our various business locations where we do not receive a credit request from an unemployed person. Indeed, people who become unemployed are also faced with having to make major purchases and the unemployed, more than anyone else, therefore implicitly see their contributory capacity extremely limited. He, more than any…
Credits and loans for back to school
The time has come for the 2014 school year to begin, and with it comes a host of additional costs. From September, our students return to school. We will have to wait until the end of the month for the academics to return to their classrooms and lecture halls. The start of the school year…
Credit solutions for large families
The Walloon housing fund grants mortgage loans to large families. The interest rates are advantageous and the conditions are studied and adapted to each situation. These mortgage loans are also called “social loans” and are granted by social organizations or accredited by the Walloon Region. Simulate your credit online Loans are granted for: the purchase,…
Your debt ratio is the determining factor in obtaining credit
Do you want to take out a new loan? Whether it is a car financing, a personal loan, consumer credit or a mortgage loan. Our brokers will have to examine a series of objective criteria to assess your ability to take out a new loan. Calculation of the debt ratio online. And above all your ability to…
What guarantee for what credit?
This morning we are addressing an important aspect of your credit application: guarantees. In certain cases, the borrower will have to provide security for his credit request. Sometimes, this is the obligatory signature of your spouse or your partner. In certain cases, the guarantees presented by the borrower could prove insufficient and the credit application…
What is owner credit?
Whether you are self-employed looking for personal credit, or a professional with a temporary lack of cash following the default or delay of one of your important clients or even locked up following non-payment of several monthly payments of your installment loan, the owner’s loan can prove to be the ideal solution to escape from…
Borrowing in Belgium and living in Luxembourg, is it possible?
Yes, it is entirely possible for a resident of Luxembourg to apply for a loan from a Belgian bank. Whether it is consumer credit, car credit or mortgage credit, there are no particular constraints preventing this approach from being carried out. Which address ? Luxembourgers can contact CPE to find the credit that best meets…
Is it still possible to obtain credit without prior funds?
From January 1, 2020, the quotas will in principle be limited to 90%. In other words, you will have to finance the remaining 10%, as well as the registration fees for the purchase and for the loan. However, numerous exceptions to this 90% mark have been provided: For young households buying a home for the…
Financing request and credit scroring
To facilitate decision-making when granting loans, banks and credit organizations are increasingly using “credit scoring”. This tool makes it possible to assess the risk of non-reimbursement based on qualitative and quantitative data collected beforehand. What is credit scoring? Developed around twenty years ago, “credit scoring” was designed to help banks sort credit application files based…
Financing your children’s return to school
School exams over, children and their parents are enjoying a well-deserved summer vacation. However, in stores, the shelves are already well stocked with school supplies for the start of the school year and after mid-August the frenzy of purchases will begin in the stationery sections. Back-to-school costs, all items combined (books, supplies, travel, university tuition,…
Bridge credit: principle and operation
You own a property and would like to buy a new one. Unfortunately, you need to sell your first acquisition to finance the second. The bridge loan is for you. Update on this usual question. What is bridge credit? The bridge loan is an ordinary mortgage loan which allows you to compensate for the expected…
Credit for “seniors”
Senior credit It’s no secret that life expectancy has increased significantly thanks to advances in healthcare and it’s a trend that continues. It is so true that in various European countries, governments are campaigning for the raising of the retirement age. The aging of the population certainly has a considerable impact in the world of…
What is revolving credit?
You are looking for a small amount of credit to facilitate the purchase of everyday consumer goods or you simply want to have a cash reserve available at any time. Revolving credit might interest you. A quick update on this common credit practice. What is revolving credit? Revolving credit is a credit facility that can…
How many signatures for a loan?
You are currently married and you would like to take out a consumer loan or a mortgage loan. Perhaps you would like to take out a loan alone or together. What are your rights and obligations when signing a credit contract? Can I sign a consumer loan or mortgage loan alone or on the contrary…
Financing a car with residual value
When considering car financing, you should ask yourself whether you want to finance all or part of the acquisition of your new vehicle. Le financement partiel voiture est mieux connu sous l’appellation financing with residual value at the end of the contract. This choice will have incidents which we briefly analyze below. Does car financing with residual…
What are “conditions precedent”?
Principle of suspensive conditions These are clauses indicated in the commitment of sale< which condition the birth of the legal effects of the contract of loan / mortgage credit on the fulfillment of one or more conditions stipulated concretely in the notarial deed. The condition in this case being obtaining the bank’s agreement. It is therefore above all…
Can I apply for credit simultaneously with several different brokers?
Especially not. If you submit several credit requests to different brokers, your request will probably be refused because the Personal Credit Center will consider that they are different credits.
Mortgage credit: property foreclosure!
Obviously, signing a mortgage loan to purchase a house is a happy event, synonymous with change and accomplishment. However, if you do not repay your monthly payments, the bank may have to seize your building. So be careful not to have to go to such extremes! Our lawyer will inform you about the different stages…
Financing your university studies
The school and university holidays are in full swing and with it, some parents are already considering their child’s next registration at university from the beginning of September. Financing a university education is the wish that many parents make for their children. This transition into family life will necessarily generate significant costs and for some…
How to invest in the stock market?
You have surely noticed that the money that is deposited in your savings account no longer earns you almost any annual interest. The average interest rate of all banks in Belgium is close to 1%, including the annual loyalty bonus. Skinny all the same… When we know that inflation is around 2 to 3% on…
How much can I borrow on a mortgage?
It is generally accepted that the total credit charges for a month should not exceed 33% of your monthly income for a single person and for certain banks. In certain other cases, the debt ratio for importable income can go up to 50% of household income. At the Crédit Populaire Européen, our specialists will study your…
Can a student borrow in Belgium?
Can a student borrow? From what age can you take out a credit or mortgage loan? Can students borrow without parental help? You wish to acquire a moped, a scooter, a car, take out a loan to finance your leisure activities, or even better to pay the rent of your accommodation, your university fees, the…
Five situations that can hinder your credit recovery
You have several outstanding loans: a personal loan of €12,000, new car financing of €22,000 and a credit opening of €5,500. What could be obstacles to your credit recovery? You would like to group these 3 credits together in order to see your single monthly payment lower than the sum of the 3 separate premiums….
Online credit simulation
You intend to take out a loan : consumer loan or mortgage loan. You would like to know the exact cost of your credit. The monthly premium that you will have to pay as well as the total amount of interest paid until maturity. Online credit simulation explained. Our company provides you with a credit simulator…
The European accident report
No one is safe from a traffic accident. Everyone has perhaps already been faced with such an uncomfortable situation, whether in the context of a total disaster or an ordinary collision in the parking lot of a supermarket. Then comes the delicate step of reporting the accident. This week we explain to you what details…
The Brussels Wedding Fair 2023
The Brussels Wedding Fair 2023 will be an unmissable event for future brides and grooms and wedding professionals. This prestigious show will be held in the heart of the city of Brussels from October 7 to 8. 2023 at Tour & Taxis, in an exceptional location. Offering panoramic views of the city and its most…
Wedding fair in Namur in 2024
The Namur Wedding Fair offers, for a weekend, the opportunity for all its visitors to find everything they are looking for their wedding in one place! Date : The Wedding in Namur will take place on March 9 & 10, 2024 Description Meet dozens of professionals ready to share their invaluable knowledge and insights on…
Real estate fees: Discover the changes From 2024
Capping of Real Estate Processing Fees for Mortgage Loans in 2024 First of all, as 2024 approaches, the mortgage sector in Belgium is set to undergo a major transformation. Therefore, the Minister of the Economy, Pierre-Yves Dermagne, announced new regulations. Aiming to cap real estate costs but also mortgage processing costs at 350 euros. This…
What should you do in the event of a hit and run in Belgium?
A hit-and-run occurs when a driver fails to stop after causing a traffic accident. Whether he is responsible or not, this individual must, according to the law, complete the European accident report form with the opposing party. The fact that the author of the accident fled creates confusion, not only in establishing the findings and…
I need money quickly…
Life is often full of unforeseen events: a car accident, one of your children doing something stupid, property work that takes longer than expected or that generates additional costs. You suddenly have need money quickly. Is this possible and how long will you have to wait to get cash in your bank account? Simulate your credit…
Anabela PEREIRA
Associate Marketing graduate Portuguese, English, French Tél: 065 84.02.03 Fax: 065 84.55.31 Email: pereira@cpe-credit.com
What alternatives to providing a mortgage guarantee
You want to borrow a sum of money to buy a kitchen, or finance the acquisition of your veranda for example, to buy a house or to carry out renovations. In addition to the usual acceptance conditions, your broker will check your solvency and require guarantees. When the amount borrowed is significant – beyond €25,000…
Family allowances and your credit application
Can a borrower add the family allowances they receive to their income to obtain a loan? In a more general sense, what income is considered when applying for a consumer loan or a mortgage? Family allowances Family allowances represent a significant financial aid for each family. Thus, in Belgium, parents receive a monthly allowance of…
The various aids granted for the purchase of a hybrid vehicle
Driving “ green ” means reducing the release of C0² produced by your vehicle into the atmosphere while significantly reducing fuel consumption. The hybrid car constitutes an interesting alternative to achieve this objective. What credit for the purchase of a hybrid vehicle? Various incentive measures are taken both at the federal state level and in each region…
Which interest rate is best for me?
What is fixed interest rate? In this formula, you benefit from an interest rate which will be identical for the entire duration of the execution of the loan / mortgage credit. This is a particularly interesting formula when rates are low and likely to increase over time. Currently interest rates are historically low and this…
What are the consequences of registration at the National Bank of Belgium?
You can no longer borrow on the credit market. For your registration to be deleted, you must repay the unpaid amounts and then wait 15 months for the registration to be deleted from the National Bank of Belgium.
Credit figures in Belgium: news
In Europe we have been going through a major financial crisis since 2008: in fact, the unemployment rate has never been so high, it has reached a record figure of 12% of the total population of Europe and the number of bankruptcies is also breaking records. records every year. The governments of the European Economic…
A glimmer of hope for credits granted to SMEs
In these times of crisis when credit is scarce, the Minister for the Middle Classes, Sabine Laruelle, and Koen Geens, the Minister of Finance, are pleading in favor of SMEs. They have set the bar very high with a new bill which forces banks to make a real effort to facilitate access to credit for…
The mortgage market is stable
The mortgage credit market is a revealing indicator of the health of the economy in Belgium. Indeed, the Belgians still consider that real estate investment is preponderant in the allocation of expenses in their budget. Also, an increase or on the contrary a contraction either in the number of contracts or in the amounts borrowed…
Am I required to take out death insurance?
When you borrow with another person and in the event of this person’s death, you would not be able to pay the loan alone, you are strongly advised to take out death insurance in your own interest. In certain cases, the financial partner makes the granting of credit conditional on the conclusion of credit insurance.
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