What are the consequences of being registered with the National Bank of Belgium?

You can no longer borrow on the credit market. In order to have your file cancelled, you must repay the outstanding amounts and then wait 15 months for the file to be cancelled by the National Bank of Belgium.

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.

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.

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.

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.

How long can my mortgage loan last?

The minimum duration is set at 8 years and the maximum duration at 30 years and depends on the age of the applicant.

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

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

How long is my agreement valid?

Warning, borrowing money also costs money.

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I received approval for my credit application. How long is this agreement valid?

Once agreement has been obtained from one of our partners, you have three weeks to sign your credit contract. After this period, your agreement is no longer valid and our advisors would then be obliged to submit a new file.