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.

Do I have to come to your offices to apply for credit?

The vast majority of credit requests are made by telephone. However, when your request is accepted, you will need to make an appointment with one of our advisors who will examine your supporting documents and give you the credit contract for signature.

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.

What is “right of pre-emption”?

It is a right which allows a person to be preferred over other candidates for the purchase of real estate when it is put up for sale. The beneficiary will therefore be preferred even if he makes an equal offer to the other buyers.

For a mortgage loan, do banks require a minimum deposit of money?

Some banks do not require a contribution of funds from the borrower. However, if the bank has to finance the entire amount of the loan plus the costs of the notarial deed, it is possible that your interest rate will be higher than if you are able to make a prior contribution . If you are not able to make a advance contribution, we invite you to consult our 125% mortgage loan solution.

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.

I am a foreign national. Can I get a loan from CPE?

Of course. A large majority of our customers are not Belgian.

Mortgage credit: The most interesting option? CPE

Warning, borrowing money also costs money.

+32(0)65/84.02.03

What is the most interesting formula for taking out a mortgage loan?

We must analyze each situation on a case-by-case basis. When interest rates are very low, it may be interesting to conclude a contract with a fixed rate. When the rates are high, it is then advisable to conclude a variable rate contract. In all cases, our advisors study each case in a specific way to find the formula best suited to your situation.