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.
Yes, placed assets such as securities accounts, savings accounts, term accounts, or deposit accounts can be considered to assess your contributory capacity.
Your divorce has no effect on your contract. The ex-spouses both remain jointly and severally liable for the borrowed amounts.
Contact us. If you are registered but you own a property free of encumbrances, we can offer you a mortgage loan and reimburse the unpaid amounts.
The answer is very simple. No!
For security reasons, your money will only be deposited into your bank account.
Your lender will never give you cash when you sign your credit contract.
The capital will be directly deposited, in the vast majority of cases, into your account or a checking account opened with your bank.
However, in certain special cases, the money is paid:
- to your car dealer for a new car financing
- to your notary, in case of a mortgage loan
- to a banking institution during a loan buyout or a loan consolidation.
The answer is very simple. No!
For security reasons, your money will only be deposited into your bank account.
Your lender will never give you cash when you sign your credit contract.
The capital will be directly deposited, in the vast majority of cases, into your account or a checking account opened with your bank.
However, in certain special cases, the money is paid:
- to your car dealer for a new car financing
- to your notary, in case of a mortgage loan
- to a banking institution during a loan buyout or a loan consolidation.
To be able to take out a loan, you must be at least 18 years old. Otherwise, all types of borrowing (consumer loan, mortgage loan, line of credit, etc.) will be prohibited for you.
However, there are certain special cases. If your child is 16 or older, you can act as a guarantor so they can obtain a loan.
From the age of 16, a child can also be in a situation of an emancipated minor. In this case, they have the same rights as an adult and are recognized as responsible for their actions. Therefore, they can take out a loan like anyone over 18 years old.
This is the unilateral commitment of a person to acquire property under certain conditions. The offer does not bind its recipient as such unless they expressly agree to it. In this case, the sales contract is formed.
In Belgium, the acquisition of real estate, a building or land, is taxed. Most often, this is the registration fee of 12.5% in Brussels and Wallonia and 10% in Flanders.
However, if we are talking about a new property, the sale will generally be subject to VAT (21%) rather than registration fees (12.5%).
Thus, the seller will be able to recover the entirety of the VAT paid upfront on the construction or the sale price of the property).
The sale price includes:
- the registration fees on the land.
- the “construction” part subject to 21% VAT.
- It is necessary to add the notary fees and costs calculated on the total value.
The granting of a mortgage loan entails various fees:
- Registration fees, which is a tax.
- Credit opening fee. This is a tax paid to the state by the notary when the deed is registered with the mortgage registry.
- Notary fees (the rates are set by law).
- Property appraisal (varies depending on the lending institution).
- Bank file fees (vary depending on the lending institution and the amount borrowed).
- Miscellaneous fees (research fees, stamp fees, etc.).
These fees vary depending on the amount of your loan.