I am a student. May I borrow ?

Yes, provided you have an endorsement or deposit.

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.

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.

Is it possible to prepay?

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

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.

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 After this period, your agreement is no longer valid and our advisors would then be obliged to submit a new file.

What are the costs associated with mortgage credit?

Granting a loan/mortgage credit generates various costs: Registration fees which is a tax. Credit opening. This is a tax paid to the State by the Notary when registering the deed for the conservation of mortgages. Notary fees (rates are set by law). Real estate expertise (varies depending on the credit organization). Bank application fees (vary depending on the credit organization and the capital borrowed). Miscellaneous costs (search costs, stamps, etc.). These fees vary depending on the amount of your loan.

Refinance mortgage credit to benefit from a better

Warning, borrowing money also costs money.

+32(0)65/84.02.03

Can you refinance a current mortgage loan to benefit from a better rate?

This is a possible operation but it necessarily involves costs. We advise you to redeem your loan/mortgage credit. We can study your file and offer you a better interest rate and thus buy back your current loan/mortgage credit. Contact our advisors for this purpose.