I just got laid off. What are the consequences on my current credit?

In Belgium, we cannot postpone a payment deadline. If you have lost your job, you should contact us immediately. We can offer you a solution to settle your outstanding credit and offer you a new one. By doing so, we will already gain a deadline.

During the house purchase period, is it possible to change notary?

Yes, you can always decide to change notary during the sales procedure but the notary who will take over will only intervene after you have paid the fees of your previous notary in full. In this case, there will be a sharing of fees and costs.

What are the costs involved in buying a new property?

The sale of new buildings is taxed differently. It is subject to VAT. The sale price includes : field registration fees. the "construction" part, subject to VAT (21%). Notary fees and costs calculated on the total value must be added.

What are the consequences of failing to repay my loan?

If you do not pay two monthly payments, your lending organization has a legal obligation to cancel your credit contract and request your registration from the National Bank of Belgium. In this case, you will no longer be able to borrow on the credit market until your dispute is resolved.

When can I call you to submit a credit application?

At CPE we always have an advisor on duty from 9 a.m. to 5 p.m.

How long is the mortgage loan?

The duration of the credit can be spread over a period of 10 to 30 years depending on the age of the borrower(s) and the amount of the loan. Over this duration, two cycles can be distinguished: the “depreciation(s) of capital” i.e. repayment of capital to the credit provider. In a word, the repayment of the amount lent to you. the “interest” that must be paid by the borrower. It is always in your interest to repay the capital as quickly as possible and therefore to favor a fixed rate mortgage loan/credit for the shortest possible duration. For what ? Because the more capital you repay, the less interest you will have paid upon closing the loan/mortgage credit contract.

At what age can I take out a loan?

You must be at least 18 years old.

Several outstanding loans. Can you simplify my situation? CPE

Q: I have several outstanding loans. Can you simplify my situation?

Yes , we recommend that you consolidate all your loans so that you only have one outstanding loan and one monthly payment. Our advisors will offer you an interest rate that will make your new monthly payment less than the sum of your current monthly payments.

Warning, borrowing money also costs money.

+32(0)65/84.02.03

I have several outstanding loans. Can you simplify my situation?

Yes, we recommend that you consolidate all your loans so that you only have one outstanding loan and one monthly payment. Our advisors will offer you an interest rate that will make your new monthly payment less than the sum of your current monthly payments.