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 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.

How long does it take for the borrowed funds to be deposited into my account?

Once your credit contract is signed in our offices, your money is paid into your bank account within 24 hours. If you are a resident of Luxembourg, you will have to wait 48 hours and if the amount of the credit is superior to the sum of 25.000,00 €, a delay of 3 working days is required.

Is it possible to prepay?

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

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.

My credit application was denied. How long do I have to wait to submit a new application?

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.