I am registered with the bnb. What can I do?

Contact us. If you have a mortgage but own a property free of charge, we can offer you a mortgage and pay off the outstanding amounts.

I am unemployed, can I borrow?

In principle, if you are unemployed you cannot borrow because your unemployment benefit cannot be seized unless you have a guarantee, that is to say a person who agrees with you and who has seizable income. . In addition, if you own an investment property and have rental income, you can borrow under a mortgage loan.

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.

What is an authentic act?

This is an act generally drawn up by a notary or in certain cases a bailiff. An authentic act is enforceable against third parties, that is to say that third parties or people who are not parties to the agreement cannot question the existence of the act. To take out a loan/mortgage credit, you must necessarily go before a notary because the deed of sale and the loan/mortgage credit contract are notarial acts.

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.