Crédit en Belgique : Tout ce que vous devez savoir sur votre crédit
What is the Central Personal Credit Office?
The Centrale des Crédits aux Particuliers is a body established within the National Bank of Belgium. And whose objective is to prevent over-indebtedness by providing. To the lender information concerning the consumer’s current credits and possible payment defaults. Our lawyer takes a closer look at the role of this major player in consumer credit. Skills Individual…
Five reasons to choose Crédit Populaire Européen to build your credit
Crédit Populaire Européen is a credit intermediary, specializing in consumer credit, mortgage credit, insurance and all other alternative solutions linked to the world of credit such as the repurchase or centralization of your current credits for example . You have decided to take out a loan to finance the acquisition of a new car for…
Is it possible to repay early?
Yes, this is an inherent right to any type of loan.
Insurance fraud
Insurance fraud costs each household €150 each year. Among the most common cases are car theft and false claims reporting. Our lawyer details the dangers to which you expose yourself in the event of insurance fraud. Types of Insurance Fraud Insurance fraud is of two types. We distinguish, on the one hand, fraud in subscribing…
The assignment of debt
When you take out a credit contract, it is often accompanied by a deed of assignment of debt. This guarantee, often called “transfer of remuneration”, offers additional guarantee to the lender in the event of irregularities in the repayment of your loan. Our lawyer takes stock of this very common legal mechanism in terms of…
Life annuity sale
Despite the unpleasant nature of life annuity sales, where one party has a financial interest in the death of another, this formula can be interesting for both the seller and the buyer. We briefly outline its particularities. Concept on life annuity sale The life annuity is the contract of sale of real estate by which…
What is a suspensive condition?
In the context of real estate transactions, it is common for the parties to insert a suspensive condition into their contract, such as for example obtaining a mortgage loan, the delivery of a title deed free of easements, the completion of a soil study or the issuance of an urbanization permit. What is a suspensive…
What amounts can be transferred or seized if I do not repay my loan?
We have seen in the context of the theme relating to the assignment of debt, such a mechanism is practiced on the net remuneration of the worker. However, only part of this net remuneration can be transferred. The law in fact sets remuneration brackets within which it determines the amount that can be transferred. We…
I signed a credit contract, can I withdraw? Under what conditions?
Generally speaking, as a borrower, you are bound from the moment you sign a credit contract. The law nevertheless authorizes you to renounce your commitment as long as the lender’s general conditions provide for it in a clear and concise manner. Let’s take stock of this significant protection organized by the legislator for consumers. Deadlines…
I had a traffic accident and the other party’s vehicle is not insured. Can I be compensated?
In the event of a traffic accident, it is customary for it to be the auto liability insurer of the driver responsible who compensates you for material and bodily damage. However, in certain cases, the damaged driver is unable to call the opposing insurer for guarantee. Our lawyer informs you about the role of the…
Loan between individuals: writing at all costs!
The economic crisis is hitting households hard. Consequently, financial organizations are increasingly reluctant to grant financing. Peer-to-peer lending is becoming a preferred alternative for many people. First of all, between friends or members of the same family, these “private loans” are often made without any agreement, so much so that it becomes difficult for the…
Installment loan or credit opening?
Our lawyer examines for you the advantages and disadvantages of these two financial instruments so that you can choose the one that best suits your budget. And your repayment capacity. Choose the formula that suits you best with the wise advice of our lawyer. Discover the installment loan or credit opening. How to choose between…
Computer fraud: the c
With the advent of the Internet, social communication networks have experienced considerable growth. Who today has not already used online auction sites such as Ebay or Paypal. Parallel to this outbreak, social engineering has been deployed at the same pace so that scammers are legion on the web. Today we give you some recommendations to…
The guarantee
The guarantee is personal security par excellence. It aims to add alongside the main debtor of the credit a third person (guarantee) who undertakes, under certain conditions, to intervene on behalf of the debtor in the event of difficulties in repaying the credit. A few words of explanation. Notion To act as guarantor for someone…
Forgery, use of forgery and fraud
The use of false documents in order to obtain credit is relatively rare but unfortunately it is not completely absent from our professional practice. It is above all a criminal offense which can lead to legal proceedings and have unfortunate consequences. A few words of explanation. Who are the people producing false documents? In general,…
Payment of money into your bank account
You have just taken out a consumer loan or a personal loan in Belgium or the Grand Duchy of Luxembourg in one of our agencies. You wonder how long after the money will be in your bank account or if you can receive it directly in cash. Simulate your credit online On the other hand,…
Motorcycle insurance per kilometer
The sunny days are finally back and you will be able to enjoy your motorcycle again. Given the unpredictable weather, you are probably wondering if there is an insurance company for motorcycles that would calculate its premium per kilometer as is the case for certain insurance companies for cars. It is true that the question…
The main insurances for your mortgage credit
Are you considering purchasing a house or any other real estate? You will therefore take out a mortgage loan. You are absolutely right. Firstly because interest rates on mortgage loans have never been so low but above all because index jumps linked to inflation have never been so frequent and so significant. What impact, will…
Outstanding balance insurance and consumer credit
Applying for credit to finance various products and activities such as a car, a wedding or a trip is a fairly common practice in our current society. Many people are granted a loan but few of them know that it is necessary to take out insurance to guarantee the loan. Highlighting this concept, often misunderstood…
Some details on the APR and consumer loan tips
By “consumer credit” we mean any credit used for something other than financing the purchase of a building: car, household appliances, travel, marriage, etc. Consequently, consumer credit does not require any particular justification. The borrower must therefore not provide a purchase invoice or a work estimate to request credit. This can be: an installment loan…
The role of the National Bank of Belgium
Discover the National Bank of Belgium. The subscription of a personal credit contract, a consumer loan, an installment loan is part of a triangular relationship between on the one hand the client, the final consumer, and on the other hand, the credit intermediary, namely your broker and the bank providing the funds. This triangular relationship…
Le salon Batibouw 2024
The Salon Batibouw 2024 is a major exhibition for the interior design and construction industry in Belgium, which takes place once a year. Participants are professionals who are interested in the latest trends in design and construction. It is therefore between February 20 and 25, 2024 that the next Batibouw show will open within the…
Prepare your file properly for a work credit
The work credit allows you to make the necessary renovations to a house. Whether it is to beautify it, enlarge it, make it more comfortable or optimize its energy performance, it is important to prepare your work file well to hope to obtain financing. The file creation stage deserves all the attention, whatever the nature…
How to calculate the cost of financing a new car?
To calculate the financing for the acquisition of a new car, the simplest way is to use a simulator. On the CPE website, you have a powerful tool that allows you to find out the amount of your monthly payments in just a few clicks. This solution offers the possibility of quickly sending your credit…
Calculation of interest rates in Belgium
There are undoubtedly many of you wondering how and by whom the interest rates that affect your credits in Belgium are set. This is what we will examine in a very simplified way in this article. From the outset, we can say that the interest rate is truly the crux of the matter for prospective…
Our entire team wishes you a Merry Christmas!
The CPE offers you unique credit assistance in Belgium. Meet our team now. At Crédit Populaire Européen, our brokers take your consumer credit application or your mortgage loan application in several languages: we process our files in Dutch, English, Spanish, Portuguese and Italian! Furthermore, we welcome you to Mons, Arlon and Luxembourg. In some cases,…
Change banks without stress?
Before the adoption of the banking mobility service, changing banking establishments was a real ordeal for users. Banks were reluctant to let their customers leave for competitors and increased obstacles to force them to stay. Thanks to the banking mobility service, it is now easier for the customer to change banking establishment, because the formalities…
Become a guarantor for a mortgage loan
Acting as guarantor for a mortgage loan to enable a loved one to obtain credit to buy the house of their dreams is a noble commitment, but the scope of it must be carefully measured beforehand. Indeed, acting as guarantor means agreeing to honor the borrower’s debts to the credit organization in the event of…
Operational leasing and financial leasing
You would like to lease a company car. In this case, you have the choice between operational leasing and financial leasing. Please note, these two formulas are only intended for companies, self-employed people or professionals, never for individuals. A comparison. Financial leasing With financial leasing, you rent the car for a specific period from the…
Joint bank account: good or bad choice?
Like all other bank accounts, the joint account or collective account has advantages and disadvantages that it is important to know before opening it. Mastering the operating principle of such an account makes it possible to measure the risks it generates and to better prevent possible disappointments. How does a joint bank account work? The…
One in two unemployed people are not actively looking for a job
This is the very latest result of the Onem report and it is the lowest figure (53.2%) with the year 2009 (53%) since the establishment of controls on the availability of the unemployed And you what do you think ? Exchange your opinions on our financial, economic, political and tax news blog These are the…
The Personal Credit Center
The Central Personal Credit Center is a state body which is part of the National Bank of Belgium. As soon as you take out a consumer loan or a mortgage loan, you will be concerned by the role of the Central Personal Credit Office. Let’s take stock of this institution that everyone talks about but…
The consequences of dismissal on your credit contract
In this turbulent period on the job market where unfortunately many citizens are losing their jobs following a company restructuring or a relocation of commercial activity, many of our worried customers are asking us about this question. thorny consequences of a job loss on their current credit contract. We will take stock of this issue…
Compare several mortgage loan offers?
Are you about to purchase real estate? Whether it is a purchase to establish the family’s main home or a real estate investment, you are making a good decision because real estate remains a sure value which is constantly evolving upwards and in any case which experienced only very rare temporary depreciations. In summary, by…
What is a credit broker?
—”Hello, am I at the Crédit Populaire bank?” —”Certainly sir, you have correctly formed the number of Crédit Populaire Européen, how can we be useful to you?” Find out what a credit broker is. To begin with, everything is fine! Except that Crédit Populaire Européen is not a bank but a credit and insurance intermediary….
Crédit Populaire Européen Luxembourg
Crédit Populaire Européen, established since 1996 and specializing in personal and mortgage credit, is proud of its established presence in Luxembourg. Therefore, our Luxembourg customers are invited to visit us in our agencies in Esch-sur-Alzette or Mersch. In addition, we offer a complete range of financial products, including personal loans, mortgage loans, loan consolidations and…
Online credit application
Crédit Populaire Européen has decided to entrust the creation of its new website. The website address www.cpe-credit.com is unchanged but the website will present new functionalities which will prove very useful for the Internet user wishing to submit an application for a personal loan and mortgage credit or for the Internet user simply looking for…
Your installment loan and the grant
Can we establish a link between the contraction in the number of installment loans granted and the financial health of national and European stock markets? A quick update on a burning current issue. A worrying observation The financial crisis that we are experiencing in Europe began in 2008 and was directly exported from the subprime…
Take out a loan as a company director
In Belgium, most companies are SMEs, that is to say Small and Medium Enterprises. When they suffer from cash flow difficulties, it is not uncommon for a request to be granted credit, over a short and specific period, to compensate for the temporary lack of liquidity. Unfortunately, many banks and brokers refuse to take out…
Granting credit to an unemployed person
Not a day goes by in our various business locations where we do not receive a credit request from an unemployed person. Indeed, people who become unemployed are also faced with having to make major purchases and the unemployed, more than anyone else, therefore implicitly see their contributory capacity extremely limited. He, more than any…
Credits and loans for back to school
The time has come for the 2014 school year to begin, and with it comes a host of additional costs. From September, our students return to school. We will have to wait until the end of the month for the academics to return to their classrooms and lecture halls. The start of the school year…
Credit solutions for large families
The Walloon housing fund grants mortgage loans to large families. The interest rates are advantageous and the conditions are studied and adapted to each situation. These mortgage loans are also called “social loans” and are granted by social organizations or accredited by the Walloon Region. Simulate your credit online Loans are granted for: the purchase,…
Your debt ratio is the determining factor in obtaining credit
Do you want to take out a new loan? Whether it is a car financing, a personal loan, consumer credit or a mortgage loan. Our brokers will have to examine a series of objective criteria to assess your ability to take out a new loan. Calculation of the debt ratio online. And above all your ability to…
What guarantee for what credit?
This morning we are addressing an important aspect of your credit application: guarantees. In certain cases, the borrower will have to provide security for his credit request. Sometimes, this is the obligatory signature of your spouse or your partner. In certain cases, the guarantees presented by the borrower could prove insufficient and the credit application…
What is owner credit?
Whether you are self-employed looking for personal credit, or a professional with a temporary lack of cash following the default or delay of one of your important clients or even locked up following non-payment of several monthly payments of your installment loan, the owner’s loan can prove to be the ideal solution to escape from…
Borrowing in Belgium and living in Luxembourg, is it possible?
Yes, it is entirely possible for a resident of Luxembourg to apply for a loan from a Belgian bank. Whether it is consumer credit, car credit or mortgage credit, there are no particular constraints preventing this approach from being carried out. Which address ? Luxembourgers can contact CPE to find the credit that best meets…
Is it still possible to obtain credit without prior funds?
From January 1, 2020, the quotas will in principle be limited to 90%. In other words, you will have to finance the remaining 10%, as well as the registration fees for the purchase and for the loan. However, numerous exceptions to this 90% mark have been provided: For young households buying a home for the…
Financing request and credit scroring
To facilitate decision-making when granting loans, banks and credit organizations are increasingly using “credit scoring”. This tool makes it possible to assess the risk of non-reimbursement based on qualitative and quantitative data collected beforehand. What is credit scoring? Developed around twenty years ago, “credit scoring” was designed to help banks sort credit application files based…
Financing your children’s return to school
School exams over, children and their parents are enjoying a well-deserved summer vacation. However, in stores, the shelves are already well stocked with school supplies for the start of the school year and after mid-August the frenzy of purchases will begin in the stationery sections. Back-to-school costs, all items combined (books, supplies, travel, university tuition,…
Bridge credit: principle and operation
You own a property and would like to buy a new one. Unfortunately, you need to sell your first acquisition to finance the second. The bridge loan is for you. Update on this usual question. What is bridge credit? The bridge loan is an ordinary mortgage loan which allows you to compensate for the expected…
Credit for “seniors”
Senior credit It’s no secret that life expectancy has increased significantly thanks to advances in healthcare and it’s a trend that continues. It is so true that in various European countries, governments are campaigning for the raising of the retirement age. The aging of the population certainly has a considerable impact in the world of…
What is revolving credit?
You are looking for a small amount of credit to facilitate the purchase of everyday consumer goods or you simply want to have a cash reserve available at any time. Revolving credit might interest you. A quick update on this common credit practice. What is revolving credit? Revolving credit is a credit facility that can…
How many signatures for a loan?
You are currently married and you would like to take out a consumer loan or a mortgage loan. Perhaps you would like to take out a loan alone or together. What are your rights and obligations when signing a credit contract? Can I sign a consumer loan or mortgage loan alone or on the contrary…
Financing a car with residual value
When considering car financing, you should ask yourself whether you want to finance all or part of the acquisition of your new vehicle. Le financement partiel voiture est mieux connu sous l’appellation financing with residual value at the end of the contract. This choice will have incidents which we briefly analyze below. Does car financing with residual…
What are “conditions precedent”?
Principle of suspensive conditions These are clauses indicated in the commitment of sale< which condition the birth of the legal effects of the contract of loan / mortgage credit on the fulfillment of one or more conditions stipulated concretely in the notarial deed. The condition in this case being obtaining the bank’s agreement. It is therefore above all…
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.
Mortgage credit: property foreclosure!
Obviously, signing a mortgage loan to purchase a house is a happy event, synonymous with change and accomplishment. However, if you do not repay your monthly payments, the bank may have to seize your building. So be careful not to have to go to such extremes! Our lawyer will inform you about the different stages…
Financing your university studies
The school and university holidays are in full swing and with it, some parents are already considering their child’s next registration at university from the beginning of September. Financing a university education is the wish that many parents make for their children. This transition into family life will necessarily generate significant costs and for some…
How to invest in the stock market?
You have surely noticed that the money that is deposited in your savings account no longer earns you almost any annual interest. The average interest rate of all banks in Belgium is close to 1%, including the annual loyalty bonus. Skinny all the same… When we know that inflation is around 2 to 3% on…
How much can I borrow on a mortgage?
Il est généralement admis que le total des frais de crédit d’un mois ne doit pas dépasser 33% de vos revenus mensuels pour une personne seule et pour certaines banques. Dans certains autres cas, le taux d’endettement des revenus importables peut aller jusqu’à 50 % des revenus des ménages. Au Crédit Populaire Européen , nos…
Can a student borrow in Belgium?
Can a student borrow? From what age can you take out a credit or mortgage loan? Can students borrow without parental help? You wish to acquire a moped, a scooter, a car, take out a loan to finance your leisure activities, or even better to pay the rent of your accommodation, your university fees, the…
Five situations that can hinder your credit recovery
You have several outstanding loans: a personal loan of €12,000, new car financing of €22,000 and a credit opening of €5,500. What could be obstacles to your credit recovery? You would like to group these 3 credits together in order to see your single monthly payment lower than the sum of the 3 separate premiums….
Online credit simulation
You intend to take out a loan : consumer loan or mortgage loan. You would like to know the exact cost of your credit. The monthly premium that you will have to pay as well as the total amount of interest paid until maturity. Online credit simulation explained. Our company provides you with a credit simulator…
The European accident report
No one is safe from a traffic accident. Everyone has perhaps already been faced with such an uncomfortable situation, whether in the context of a total disaster or an ordinary collision in the parking lot of a supermarket. Then comes the delicate step of reporting the accident. This week we explain to you what details…
The Brussels Wedding Fair 2023
The Brussels Wedding Fair 2023 will be an unmissable event for future brides and grooms and wedding professionals. This prestigious show will be held in the heart of the city of Brussels from October 7 to 8. 2023 at Tour & Taxis, in an exceptional location. Offering panoramic views of the city and its most…
Wedding fair in Namur in 2024
The Namur Wedding Fair offers, for a weekend, the opportunity for all its visitors to find everything they are looking for their wedding in one place! Date : The Wedding in Namur will take place on March 9 & 10, 2024 Description Meet dozens of professionals ready to share their invaluable knowledge and insights on…
Real estate fees: Discover the changes From 2024
Capping of Real Estate Processing Fees for Mortgage Loans in 2024 First of all, as 2024 approaches, the mortgage sector in Belgium is set to undergo a major transformation. Therefore, the Minister of the Economy, Pierre-Yves Dermagne, announced new regulations. Aiming to cap real estate costs but also mortgage processing costs at 350 euros. This…
What should you do in the event of a hit and run in Belgium?
A hit-and-run occurs when a driver fails to stop after causing a traffic accident. Whether he is responsible or not, this individual must, according to the law, complete the European accident report form with the opposing party. The fact that the author of the accident fled creates confusion, not only in establishing the findings and…
I need money quickly…
Life is often full of unforeseen events: a car accident, one of your children doing something stupid, property work that takes longer than expected or that generates additional costs. You suddenly have need money quickly. Is this possible and how long will you have to wait to get cash in your bank account? Simulate your credit…
Anabela PEREIRA
Associate Marketing graduate Portuguese, English, French Tél: 065 84.02.03 Fax: 065 84.55.31 Email: pereira@cpe-credit.com
What alternatives to providing a mortgage guarantee
You want to borrow a sum of money to buy a kitchen, or finance the acquisition of your veranda for example, to buy a house or to carry out renovations. In addition to the usual acceptance conditions, your broker will check your solvency and require guarantees. When the amount borrowed is significant – beyond €25,000…
Family allowances and your credit application
Can a borrower add the family allowances they receive to their income to obtain a loan? In a more general sense, what income is considered when applying for a consumer loan or a mortgage? Family allowances Family allowances represent a significant financial aid for each family. Thus, in Belgium, parents receive a monthly allowance of…
The various aids granted for the purchase of a hybrid vehicle
Driving “ green ” means reducing the release of C0² produced by your vehicle into the atmosphere while significantly reducing fuel consumption. The hybrid car constitutes an interesting alternative to achieve this objective. What credit for the purchase of a hybrid vehicle? Various incentive measures are taken both at the federal state level and in each region…
Which interest rate is best for me?
What is fixed interest rate? In this formula, you benefit from an interest rate which will be identical for the entire duration of the execution of the loan / mortgage credit. This is a particularly interesting formula when rates are low and likely to increase over time. Currently interest rates are historically low and this…
What are the consequences of registration at the National Bank of Belgium?
You can no longer borrow on the credit market. For your registration to be deleted, you must repay the unpaid amounts and then wait 15 months for the registration to be deleted from the National Bank of Belgium.
Credit figures in Belgium: news
In Europe we have been going through a major financial crisis since 2008: in fact, the unemployment rate has never been so high, it has reached a record figure of 12% of the total population of Europe and the number of bankruptcies is also breaking records. records every year. The governments of the European Economic…
A glimmer of hope for credits granted to SMEs
In these times of crisis when credit is scarce, the Minister for the Middle Classes, Sabine Laruelle, and Koen Geens, the Minister of Finance, are pleading in favor of SMEs. They have set the bar very high with a new bill which forces banks to make a real effort to facilitate access to credit for…
The mortgage market is stable
The mortgage credit market is a revealing indicator of the health of the economy in Belgium. Indeed, the Belgians still consider that real estate investment is preponderant in the allocation of expenses in their budget. Also, an increase or on the contrary a contraction either in the number of contracts or in the amounts borrowed…
Am I required to take out death insurance?
When you borrow with another person and in the event of this person’s death, you would not be able to pay the loan alone, you are strongly advised to take out death insurance in your own interest. In certain cases, the financial partner makes the granting of credit conditional on the conclusion of credit insurance.
The FSMA, the big boss of credit!
The Financial Services and Markets Authority (FSMA) is a public interest body that regulates the Belgian financial sector. As part of its mission, it notably oversees financial service providers and intermediaries. Our legal expert examines the scope of this new competence. New FSMA Competence Since November 1, 2015, the control over access to the profession…
The liability of the insurance broker (part 1)
Before concluding an insurance contract, many businesses or individuals seek a close relationship with an intermediary who can advise them on the best product at the most advantageous price and assist them during the contract. Our legal expert takes a closer look at this contractual relationship. What is the responsibility of the insurance broker? Definition…
How to take out an insurance contract?
The insurance contract is a consensual contract, meaning that the contract is formed by a simple exchange of consent. However, the policyholder and the insurer will always have an interest in having a written document as proof, especially if a dispute arises. Our legal expert discusses the three methods generally used to conclude an insurance…
The federal consumer mediation service
Since June 1, 2015, a federal consumer mediation service has been established within the FPS Economy to handle any request for out-of-court resolution of consumer disputes. We’ll briefly look into the competencies of this service, which could be useful to you, especially in case of disagreement with your credit institution. Competencies of the Federal Mediation…
Focus on… the principle of the mortgage loan
No one can accurately predict the rise or fall of interest rates. The only certainty is that in this year 2015, it is good to buy, to build, or simply to renegotiate your mortgage. Fixed or variable rate? Over 20 or 30 years? With equity or with a guarantee? We inform you about the tips…
What is re-employment compensation?
It is common for borrowers to decide to repay their credit, in whole or in part, in advance, for various reasons. In such cases, they may be liable for a prepayment penalty. Our legal expert examines the ins and outs of this penalty. Simulate your loan online Concept of a prepayment penalty The prepayment penalty…
The ecopack installment loan
Nowadays, more and more consumers are turning to renewable energies to save on their budgets. Did you know? In the Walloon Region, the ecopack formula allows you, under certain conditions, to benefit from an installment loan at 0% interest to finance energy-saving works. Our legal expert analyzes this hugely successful formula for you. Understanding the…
Can I take out a loan to renovate the house I rent? Overview of the renovation lease
Legally, it is the landlord’s responsibility to carry out renovation and compliance works in the leased building. Under certain conditions, the law allows the tenant to carry out these works themselves. It is not uncommon for tenants to apply for a loan to expand the bathroom or renovate the fireplace of the house they have…
The social mortgage loan
You have modest income and you are having difficulty obtaining a classic mortgage loan. Don’t panic, the social mortgage loan “housing for all” is designed for you. Our lawyer explains the benefits of such a loan. Social Mortgage Loan Concept The social mortgage loan is a loan granted by the Walloon Society for Social Credit…
End of VAT at 6% for the renovation of private homes over 5 years old. The threshold increases to 10 years!
From January 1, 2016, only renovations of private homes over 10 years old will still benefit from the reduced VAT rate of 6%. If your home’s age is between 5 and 10 years, don’t delay in taking out a renovation loan to take advantage of this favorable measure, which our lawyer outlines the application conditions….
Consumer credit: what’s changing?
The legislator has decided to significantly modify the law on consumer credit to protect consumers and prevent them from falling into over-indebtedness. Here is an overview of the major changes that have taken place since April 1, 2015. 1. The burden of proof is on the lender It is now up to the lender to…
Can I conclude a credit contract by telephone, internet or text message?
New technologies allow online commerce at all levels of goods and services consumption. What about credit? I need a cash reserve, do I have to go to the lender’s office or can I apply for my credit remotely? Let’s take a look at this very trendy contractual operation. Remote Credit Contract = Traditional Credit Contract…
With the Grand Duchy of Luxembourg car loan, for your desire for a new or used car
Do you want to buy your first vehicle, is your family growing, or is your old car breaking down too often? The auto loan Grand Duchy of Luxembourg will solve your problems! Our team, made up of auto loan specialists, assists you in finding financing solutions for your mobility projects in Luxembourg City. Through a…
With the Namur car loan, a new or used vehicle in Belgium, it’s possible!
Do you want to acquire your first car, is your family growing, or is your old car breaking down too often? The car loan Namur is for you! Our team, composed of car loan specialists, supports you in finding financing solutions for your mobility projects in Namur. Through a study of your auto loan needs,…
With the Esch-sur-Alzette car loan, for a new or used vehicle in Luxembourg
The car loan Esch-sur-Alzette Do you want to acquire your first vehicle, is your family growing, or is your old car breaking down too often? Our team, composed of car loan specialists, supports you in finding financing solutions for your mobility projects in Esch-sur-Alzette. Through a study of your auto loan needs, Crédit Populaire Européen…
With Arlon car credit, your desire for a new or used vehicle in Belgium
Do you want to acquire your first car, is your family growing, or is your old car breaking down too often? Our team, composed of car loan specialists Arlon, supports you in finding financing solutions for your mobility projects in Arlon. Through a study of your auto loan needs, Crédit Populaire Européen provides you with…
With Mons car credit, your desire for a new or used vehicle in Belgium
Do you want to acquire your first car, is your family growing, or is your old car breaking down too often? Our team, composed of car loan specialists in Mons, supports you in finding financing solutions for your mobility projects in Mons. Through a study of your auto loan needs, Crédit Populaire Européen provides you…
With Belgium Luxembourg car credit, your desires for a new or used vehicle
Our team, composed of car loan specialists in Belgium and Luxembourg, supports you in finding financing solutions for your mobility projects in Belgium and Luxembourg. Through a study of your auto loan needs, Crédit Populaire Européen provides you with auto financing solutions adapted to your budget and your projects. Our team gives you a very…
Car loan, property loan, personal loan: the Grand Duchy of Luxembourg credit group
The credit consolidation in the Grand Duchy of Luxembourg allows you to centralize all your ongoing loans and offers you the possibility to reduce the amount of your installment or the total duration of your repayments. Real estate purchase, vehicle replacement, cash flow needs: your needs are evolving and interest rates in Esch-sur-Alzette are too….
Car loan, mortgage loan, personal loan in Belgium: have you thought about Mons credit consolidation?
The credit consolidation Mons allows you to centralize all your ongoing loans. It offers you the possibility to reduce the amount of your installment or the total duration of your repayments. Real estate purchase, vehicle replacement, cash flow needs: your needs are evolving and interest rates in Mons are too. Simplifying credit management is now…
Car loan, real estate loan, personal loan, the Namur credit group in Belgium
The credit consolidation Namur allows you to centralize all your ongoing loans, and offers you the possibility to reduce the amount of your installment or the total duration of your repayments. Real estate purchase, vehicle replacement, cash flow needs: your needs are evolving and interest rates in Namur are too. Simplifying credit management is now…
Car loan, real estate loan, personal loan, the Esch-sur-Alzette credit group in Luxembourg
The credit consolidation in Esch-sur-Alzette allows you to centralize all your ongoing loans and offers you the possibility to reduce the amount of your installment or the total duration of your repayments. Real estate purchase, vehicle replacement, cash flow needs: your needs are evolving and interest rates in Esch-sur-Alzette are too. Simplifying credit management is…
Have you thought about credit consolidation in Luxembourg or Belgium?
Auto loan, mortgage, personal loan: credit consolidation in Luxembourg or Belgium allows you to centralize all your ongoing loans and offers you the possibility to reduce the amount of your installment or the total duration of your repayments. Real estate purchase, vehicle replacement, cash flow needs: your needs are evolving and interest rates in Luxembourg…
Car loan, mortgage loan, personal loan in Belgium: have you thought about credit consolidation in Arlon?
The credit consolidation in Arlon allows you to centralize all your ongoing loans. It offers you the possibility to reduce the amount of your installment or the total duration of your repayments. Real estate purchase, vehicle replacement, cash flow needs: your needs are evolving and interest rates in Belgium are too. Simplifying credit management is…
Personal loan in Luxembourg in the Grand Duchy of Luxembourg
Do you live in Luxembourg City or its surroundings? Are you interested in a personal loan in Luxembourg in the Grand Duchy of Luxembourg? Do you have a temporary need for cash to carry out work, go on trips, or finance your children’s leisure activities? The personal loan or consumer credit is made for you!…
Work, travel, leisure, need cash in Luxembourg or Belgium?
The personal loan or consumer credit allows you to manage your quick cash needs. Our team, composed of personal loan or consumer credit specialists, supports you in finding financing solutions for your projects in Belgium and Luxembourg. Through a study of your personal loan needs, Crédit Populaire Européen provides you with liquidity solutions adapted to…
Arlon personal loan in Belgium
Do you live in Arlon or its surroundings? Do you need to carry out work, go on trips, finance your children’s leisure activities, or simply have a temporary need for cash? The personal loan in Arlon or consumer credit is made for you! The personal loan allows you to manage your quick cash needs. Our…
Personal loan in Namur in Belgium
Do you live in Namur or the Namur region? Do you have a temporary need for cash to carry out work, go on trips, or finance your children’s leisure activities? The personal loan in Namur or consumer credit is for you! The personal loan allows you to manage your quick cash needs. Our Namur team,…
Personal loan in Mons in Belgium
Do you live in a city near Mons? Do you need to carry out work, finance your children’s leisure activities, go on trips, or simply have a temporary need for cash? The personal loan in Mons or consumer credit is for you! The personal loan allows you to manage your quick cash needs. Our Mons…
Personal loan in Esch-sur-Alzette in Luxembourg
Do you live in Esch-sur-Alzette or a nearby city in the south of Luxembourg? Do you need to carry out work, go on trips, finance your children’s leisure activities, or simply have a temporary need for cash? The personal loan or consumer credit is for you! The personal loan allows you to manage your quick…
With the mortgage loan
With the Namur mortgage loan, be an owner in Belgium!
Financing your real estate project in Namur through a mortgage loan in Belgium requires a good understanding of the administrative procedures and responsibilities involved. Indeed, financing your real estate project is done by obtaining a mortgage loan from a bank and an insurance company. Therefore, insuring your mortgage loan will be necessary once you have…
With the mortgage loan
Obtaining a mortgage loan to finance your real estate project in Esch-sur-Alzette requires an in-depth understanding of the administrative procedures and responsibilities involved. Indeed, financing your real estate project is done through obtaining a mortgage loan from a bank and an insurance company. Thus, it will be necessary to take out insurance for your mortgage…
With the Mons mortgage loan, be an owner in Belgium!
Obtaining a mortgage loan in Belgium to finance your real estate project in Mons requires an in-depth understanding of the administrative procedures and responsibilities involved. Indeed, financing your real estate project is done through obtaining a mortgage loan from a bank and an insurance company. Thus, it will be necessary to take out insurance for…
My co-borrower has just passed away. What are the consequences on my current credit?
The loan continues and must be borne by the surviving borrower. The latter must contact us and provide the death certificate. If the borrower had death insurance, then the insurance will cover all or part of the insured loan. If there is no death insurance, then the surviving borrower must bear the full burden of…
I have several credits in progress. Can you simplify the situation?
Yes. We advise you to consolidate all your loans so that you only have one loan in progress and one monthly payment. Our advisors will offer you an interest rate that will ensure your new monthly payment is lower than the sum of the current monthly payments.
What is the most interesting formula for taking out a mortgage loan?
Formula for Getting a Mortgage Loan We must analyze each situation on a case-by-case basis. When interest rates are very low, it may be advantageous to enter into a fixed-rate contract. When rates are high, it is advisable to enter into a variable-rate contract. In any case, our advisors study each case individually to find…
I just got laid off. What are the consequences on my current credit?
In Belgium, we cannot defer a payment deadline. If you have lost your job, you must contact us immediately. We can offer you a solution to settle your outstanding loan and propose a new one. By doing so, we will already gain a payment deadline.
When can I call you to submit a credit request?
At CPE, we always have an advisor on duty: from 9 AM to 5 PM
Can I take into account my investments, my securities, term or savings accounts to borrow?
Yes, placed assets such as securities accounts, savings accounts, term accounts, or deposit accounts can be considered to assess your contributory capacity.
I took out a loan with my husband. We are divorcing, what are the consequences on my current credit?
Your divorce has no effect on your contract. The ex-spouses both remain jointly and severally liable for the borrowed amounts.
With the Arlon mortgage loan, be an owner in Belgium.
Financing your real estate project with a mortgage loan in Arlon However, using a mortgage loan in Belgium requires an in-depth understanding of the procedures and responsibilities involved. Indeed, financing your real estate project is done through obtaining a mortgage loan from a bank. Additionally, insuring this mortgage loan will be necessary. This insurance can…
Can I make an appointment at the agency?
Of course, but for convenience, our advisors take credit applications by phone, and then, when your credit application is accepted, we receive you in one of our agencies to have you sign the credit contract.
My credit application is refused. What can I do ?
Our advisors will immediately contact the financial partner who refused your application and will try to defend it. By discussing with our financial partner, our advisors often manage to change the financial partner’s decision. If unfortunately, the refusal is confirmed, our advisors will submit the file to another financial partner.
I already have a current loan. Can I get additional credit?
Yes. Our advisors will settle your current loan and offer you a new loan increased by the desired additional amount.
What are the consequences of failing to repay my loan?
If you do not pay two installments, your lending institution is legally obligated to terminate your credit contract and request your listing with 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.
Do I have to come to your offices to apply for credit?
The vast majority of credit applications are made by phone. However, when your application is accepted, you will need to make an appointment with one of our advisors who will review your supporting documents and give you the credit contract for signing.
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