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 spécialistes étudieront votre situation et vous proposeront  de racheter  et  de regrouper  les crédits en cours pour que vous n’ayez qu’un seul prêt à rembourser garanti par un crédit immobilier.

Real estate fees: Discover the changes From 2024

Capping of Real estate 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 fees but also mortgage processing costs at 350 euros. This decision, based on a study by the Price Observatory. Reflects a proactive response to significant increases observed in recent years.

Then, the study revealed that between 2014 and 2018, fees associated with mortgage loans increased by an average of 50%. Going from 320 to 479 euros. This increase, often hidden in the details of contracts. Has weighed heavily on borrowers, especially those applying for low value loans. Indeed, the additional costs may represent a disproportionate burden for these borrowers, hindering their access to the real estate market.

In 2017, a first attempt at regulation set a ceiling of 500 euros. However, this measure proved insufficient, with credit institutions quickly adjusting their fees to reach this new maximum. The recent decision to reduce the ceiling to 350 euros demonstrates the determination of the Ministry of the Economy to protect consumers and make the mortgage credit market fairer.

Digitization and Equity: Mortgage Fee Revolution in Belgium from 2024

A crucial aspect of this regulation is therefore the impact of digitalization on the credit application process. Indeed, with the advent of digital technologies, customers are now obliged to provide their data online. This then considerably simplifies the processing of requests. Therefore, this technological development could justify a reduction in processing costs. Because it potentially reduces the time and resources necessary for financial institutions to manage files.

Finally, the measure, which will then come into force on January 1, 2024. Therefore marks an important step in the regulation of the mortgage sector in Belgium. It should not only ease the financial burden on borrowers, but also promote greater transparency. And equity in the real estate market. This capping of fees is therefore a recognition that access to property should not be hampered by hidden or disproportionate costs. Particularly for those looking to acquire their first property.

Simulate my mortgage

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 received approval from your bank. This insurance can be obtained from a subsidiary of your bank that issues the mortgage loan and specializes in real estate project insurance, or from an insurance company offering mortgage products.

Negotiating the best interest rates for your real estate project in Namur is the job of our team of mortgage loan specialists!

To guarantee you the best possible financing for your personal situation and real estate project in Namur, the team at Crédit Populaire Européen, composed of brokers specializing in mortgage loans, quickly negotiates on your behalf with the relevant banks and financial institutions throughout Belgium.

In search of innovative products, our mortgage loan brokers offer you an adequate formula that respects your financing capacities and allows you to carry out your real estate project in Namur under the best possible conditions.

Do not hesitate to contact our specialist mortgage loan team who will answer all your questions related to your real estate projects in Namur.

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 loan once you have received approval from your bank.

Negotiating the best interest rates for your real estate project in Esch-sur-Alzette is the job of our team of mortgage loan specialists!

Crédit Populaire Européen is a team that guarantees you the best possible mortgage loan considering your personal situation and your real estate project in Esch-sur-Alzette.
Composed of brokers specialized in active mortgage loans, our team negotiates the most suitable rates for your budget and gets you a quick response from financial actors.

In search of innovative mortgage loan products, our brokers allow you to carry out your real estate project in Esch-sur-Alzette and come to sign your contract as close as possible to your real estate project, directly in our Esch-sur-Alzette agency.

Do not hesitate to contact our specialist mortgage loan team who will answer all your questions related to your real estate projects in Esch-sur-Alzette.

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 your mortgage loan once you have received approval from your bank. This insurance can be obtained from a subsidiary of your bank that issues the mortgage loan and specializes in real estate project insurance, or from an insurance company offering mortgage products.

Negotiating the best interest rates for your real estate project in Mons is the job of our team of mortgage loan specialists!

To guarantee you the best possible mortgage loan for your personal situation and your real estate project in Mons, the team at Crédit Populaire Européen, composed of brokers specializing in mortgage loans, negotiates the most suitable rates for your budget and gets you a quick response from banks and insurance companies.
In search of innovative mortgage products, our brokers allow you to carry out your real estate project in Mons and come to sign your contract directly at our Mons agency.

Do not hesitate to contact our specialist mortgage loan team who will answer all your questions related to your real estate projects in Mons.

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.

mortgage loanIndeed, 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 be obtained from an insurance company or from a subsidiary of your bank that issues the mortgage loan and specializes in real estate project insurance.

Negotiating the best interest rates for your real estate project in Arlon is the job of our team of mortgage loan specialists!

To guarantee you the best possible financing for your personal situation and your real estate project in Arlon, the team at Crédit Populaire Européen, composed of brokers specializing in mortgage loans.

Negotiates quickly for you with the relevant banks and financial institutions.
In search of innovative products! Our mortgage loan brokers will offer you a formula tailored to your financing capabilities. And will enable you to carry out your real estate project in Arlon under the best market conditions.

Do not hesitate to contact our specialist mortgage loan team. They will answer all your questions related to your real estate projects in Arlon.

Our Priority

There are several ways to easily and quickly contact CPE. By phone, fax, email, website, or in person at one of their branches. Their goal is for customers to be able to reach them easily.

From Monday to Friday from 9 AM to 6 PM. Our advisors are at your disposal (with the help of the agency of your choice).

I am a tenant. Can I take out a long-term loan (84 to 120 months)?

70% des belges sont propriétaires en Belgique. Dans la mesure où une personne locataire n’offre pas les mêmes garanties qu’une personne qui est propriétaire de son habitation, sa capacité à emprunter est limitée sauf exception. Chez CPE nous limitons en général à 60 mois la capacité d’emprunt d’un locataire mais il peut y avoir des exceptions notamment si un aval s’engage avec le locataire. Quoi qu’il en soit, nous vous conseillons d’acquérir votre habitation dans la mesure où les taux d’intérêts sur les crédits hypothécaires sont historiquement bas. Contactez nous en ce sens.

What is an authentic act?

This is a document usually drawn up by a notary or, in some cases, a bailiff.

An authentic act is enforceable against third parties, meaning that third parties or persons who are not part of the agreement cannot question the existence of the act.

To take out a mortgage loan, you must necessarily appear before a notary because the deed of sale and the mortgage loan contract are notarized acts.