Is it possible to prepay?

Yes, this is a right inherent in any type of loan.

Can reimbursements be made to an account in Luxembourg?

Without any problem, you must know the IBAN and BIC accounts. There are no fees to repay your credit from an account in Luxembourg.

Can I take into account my investments, my securities, term or savings accounts to borrow?

Yes, the assets placed in securities, savings, term or deposit accounts can be taken into account to assess your contributory capacity.

My co-borrower has just passed away. What are the consequences for my current loan?

The credit continues and must be supported by the living borrower. The borrower must contact us and provide us with the death certificate. If the borrower had death insurance, then the insurance will cover all or part of the insured loan. If there is no death insurance, then the living borrower must bear the cost of the loan alone.

I am a tenant. Can I take out a long-term loan (84 to 120 months)?

70% of Belgians own property in Belgium. To the extent that a person who rents does not offer the same guarantees as a person who owns their home, their ability to borrow is limited unless there are exceptions. At CPE we generally limit a tenant's borrowing capacity to 60 months but there may be exceptions, particularly if a guarantee is agreed with the tenant. In any case, we advise you to purchase your home as interest rates on mortgage loans are historically low. Contact us in this regard.

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.

I don't have much income. Can I take into account my family allowance to increase my borrowing capacity?

No. The law does not allow child benefit payments to be used for credit purposes.

Credit denied. How long do have to wait for a new application? CPE

Warning, borrowing money also costs money.

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+32(0)65/84.02.03

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