Affordable Housing for All : Social Loan in Wallonia
Real Estate Project
Do you dream of buying, building, or renovating a house in Wallonia? The “Housing for All” loan offers financial support to realize your ambitions. Our company guides you through this social scheme, answering your questions and directing you to the appropriate administrative services. Bring your real estate project to life with confidence.
Housing Credit for All
Do you want to buy, build, or renovate a house in the Walloon region? Is this your first real estate acquisition? Our company can guide you to obtain assistance from the Walloon region through the “Housing for All” Credit, the social loan also known as the springboard loan.
Since December 15, 2009, the Walloon government has adopted a significant reform of the social credit. The springboard loan, the social credit, and housing vouchers are now grouped under a single name: “Housing for All.” The objective of the social loan or “Housing for All” is to support people who wish to buy or build their home in Wallonia, as well as to enhance the quality of housing through the renovation of purchased properties and the construction of new homes.
Our company does not grant mortgage loans in the form of social loans. These types of loans are granted by the administrative services of the Provinces or Municipalities. However, we can guide you and answer your questions.
The social loan or “Housing for All” includes 3 distinct formulas:
The HT
The HT+
The HT Green
To benefit from “Housing for All,” you must meet certain conditions:
It must be your first home in Wallonia;
Your taxable income in 2008 must not exceed €46,600;
The market value of the home can be a maximum of €191,000. If the property is located in one of the 42 municipalities in a high-pressure real estate area, it can reach €210,000.
The advantages of the “Housing for All” social loan:
The interest rate is fixed, advantageous, and guaranteed for up to 30 years;
It is possible to borrow up to 110% of the financial value of the home (excluding life insurance) to finance your notary fees;
If your loan is intended to purchase social housing, a 0.50% reduction on the rate will be applied during the first 8 years of your repayment.
If you want more information about the Walloon region’s “Housing for All” assistance and social credit, we invite you to visit the Walloon Region’s website.
Social Loan HT
The social loan HT formula is the basic assistance formula from the Walloon region “Housing for All.”
The social loan HT formula allows you to benefit from
An advantageous and guaranteed interest rate for up to 30 years;
A 0.25% discount on your rate during the first 8 years of your loan repayment if the municipality is among the 191 listed municipalities and your income does not exceed €46,600.
To benefit from the social loan HT formula of “Housing for All”:
It must be your first home in Wallonia;
Your taxable income in 2008 must not exceed €46,600;
The market value of the home can be a maximum of €191,000. If the property is located in one of the 42 municipalities in a high-pressure real estate area, it can reach €210,000.
The social loan HT from the Walloon region offers you a multitude of advantages:
The interest rate of the social loan HT is fixed, advantageous, and guaranteed for up to 30 years;
It is possible to borrow up to 110% of the financial value of the home (excluding life insurance) to finance, for example, your notary fees;
If your loan is intended to purchase social housing, a 0.50% reduction on the rate will be applied during the first 8 years of your repayment.
Social Loan HT +
The social loan HT+ formula is an integral part of the assistance offered by the Walloon region: “Housing for All.”
The social credit HT+ allows you to benefit from a reduction between 1.50% and 2.20% (depending on your income) on your rate during the first 8 years of repayment if the municipality is listed in one of the 42 high-pressure real estate zones.
From the 9th year, you return to the usual conditions.
Conditions to benefit from the social loan HT+ formula of “Housing for All”
It must be your first home in Wallonia;
Your taxable income in 2008 must not exceed €46,600;
The market value of the home can be a maximum of €210,000.
The social loan HT+ offers you a multitude of advantages:
The interest rate of the social loan is fixed, advantageous, and guaranteed for up to 30 years;
It is possible to borrow up to 110% of the financial value of the home (excluding life insurance) to finance, for example, your notary fees;
If your social loan is intended to purchase social housing, a 0.50% reduction on the rate will be applied during the first 8 years of your repayment.
Social Loan HT Green
The social loan HT Green formula from the Walloon region’s “Housing for All” assistance allows you to benefit from an interest payment exemption during the first 8 years on a portion of the borrowed capital (depending on your income) provided that:
The municipality is one of the 30 municipalities;
You carry out at least €10,000 worth of sanitation or energy-saving work.
From the 9th to the 12th year inclusive, only half of the base interest is due on this portion.
Do you want to obtain the social loan HT Green assistance from “Housing for All”?
You must meet a number of conditions:
It must be your first home in Wallonia;
Your taxable income in 2008 must not exceed €46,600;
The market value of the home can be a maximum of €191,000. If the property is located in one of the 42 municipalities in a high-pressure real estate area, it can reach €210,000.
The social loan HT Green offers a series of significant advantages:
The interest rate of the social loan HT Green is fixed, advantageous, and guaranteed for up to 30 years;
It is possible to borrow up to 110% of the financial value of the home (excluding life insurance) to finance, for example, your notary fees;
If your loan is intended to purchase social housing, a 0.50% reduction on the rate will be applied during the first 8 years of your repayment
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Select the type of project you want (personal loan, car loan, home improvement, loan consolidation, etc.).
Enter the desired amount and term.
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We offer several financing solutions tailored to your needs:
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Home improvement loan
Loan consolidation
And much more…
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To complete your loan application, you will generally need to provide the following documents:
Valid ID (identity card or passport).
Proof of income (pay slips, tax notice, etc.).
Proof of address.
Other documents may be required depending on your situation. A loan advisor will guide you every step of the way!
Addresses:
Mersch Agency – 12, Grande-Duchesse Charlotte Street
Esch-sur-Alzette Agency – 56, Rue de la Libération
📞 Phone: +352/24.55.99.99
📧 Email: info@cpe-credit.com
🌐 Website: www.cpe-credit.com
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Simulate your project with our tool:
Select the type of project you want.
Enter the amount and term to estimate your monthly payments in seconds.
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The rate applied to your loan depends on several factors, including:
✔ The type of loan (personal, car, home improvement, loan consolidation, etc.).
✔ The amount borrowed – the higher the amount, the more the conditions may vary.
✔ The repayment term – a longer loan can affect the interest rate.
To get an accurate estimate of your rate (APR – Annual Percentage Rate) and monthly payments, use our online simulator. In just a few clicks, you’ll receive a tailored offer with no commitment. Need personal advice? Our advisors are here to help!
Social Loan
The social loan or “Housing for All” includes 3 distinct formulas:
To benefit from “Housing for All,” you must meet certain conditions:
The advantages of the “Housing for All” social loan:
If you want more information about the Walloon region’s “Housing for All” assistance and social credit, we invite you to visit the Walloon Region’s website.