I am going to divorce, is it possible to repay an existing loan on my own?

You must first be divorced to consider this solution or have a property separation contract. You can take out a loan to buy out your former spouse's share. If you have a mortgage loan in both names, you can continue to repay it alone if your income is sufficient to repay the initial monthly payment (decoupling of the loan), which requires the agreement of the lending bank. If the monthly payment proves too high, we could refinance the remaining balance of the mortgage loan over a longer term through another bank.

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.

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.

How does the credit application procedure work? Do I need to make an appointment to apply for credit?

In general, credit requests are taken by our advisors over the telephone. We then submit the file to one of our financial partners who gives us a response within 24 hours. If your application is accepted, we will schedule an appointment for you at one of our agencies so that you can sign your credit contract.

Can I make an appointment at the agency?

Of course, but for your convenience, our advisors take credit applications over the phone and then, when your credit application is accepted, we receive you in one of our branches to have you sign the credit contract.

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.

I have several outstanding loans. Can you simplify my situation?

Yes , we recommend that you consolidate all your loans so that you only have one outstanding loan and one monthly payment. Our advisors will offer you an interest rate that will make your new monthly payment less than the sum of your current monthly payments.

Who can apply for a mortgage loan? - Crédit populaire Européen

Q: Who can apply for a mortgage loan?

Any person residing in Belgium or Luxembourg , whatever their professional situation (employee, employee, liberal profession, self-employed, etc.) can apply for a loan / mortgage credit from European Popular Credit .

Warning, borrowing money also costs money.

+32(0)65/84.02.03

Who can apply for a mortgage loan?

Any person residing in Belgium or Luxembourg, whatever their professional situation (employee, employee, liberal profession, self-employed, etc.) can apply for a loan / mortgage credit from European Popular Credit.