What is “offer to purchase”?

This is the unilateral commitment of a person to acquire property under certain conditions. The offer does not bind its recipient as such unless they expressly agree to it. In this case, the sales contract is formed.

In what form will I receive my money?

You will receive your money as a transfer to your current account within three working days at most.

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.

My application for credit has been denied. How long do I have to wait to reapply?

You must wait three months and one day to reapply.

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.

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.

How long do I have to wait to get an answer on my credit application?

We introduce your file to one of our financial partners who will give us an answer within 24 hours.

Consequences of failure to repay my credit

Warning, borrowing money also costs money.

+32(0)65/84.02.03

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.