Up to what age can I borrow?

There is no age limit for borrowing. Our advisors analyze your situation on a case-by-case basis.

What are the consequences of being registered with the National Bank of Belgium?

You can no longer borrow on the credit market. In order to have your file cancelled, you must repay the outstanding amounts and then wait 15 months for the file to be cancelled by the National Bank of Belgium.

Can I make an appointment at the agency?

Of course, but for your convenience, our advisors take credit applications over the phone and then, when your credit application is accepted, we receive you in one of our branches to have you sign the credit contract.

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.

At what age can I take out a loan?

You must be at least 18 years old.

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.

What is mortgage discharge?

First, let us clarify that the mortgage is the guarantee which allows a bank to cover itself in the event that the borrower is no longer able to repay his loan. In fact, the borrower could not sell the property without obtaining approval and the release of the mortgage. The bank has the right to cancel the credit in the event of non-payment, to have the property sold during legal proceedings and to recover the balance of its debt from the proceeds of the construction of the building. On the other hand, in the event of early repayment of your mortgage loan, the notary is required to request the release of the mortgage. Release is a legal act where the bank certifies that the borrower has fully repaid their loan. This release is done by notarial deed which therefore generates notary fees. In practice: the release of a mortgage is only essential if you decide to sell the building. Otherwise, just let time pass to get the 30-year period to expire. In this case the mortgage will disappear automatically but this time without any costs.