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Uncategorized @eng
Yes, it is an inherent right to any type of loan.
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The Crédit Populaire Européen has decided to entrust the creation of its new website. The website address www.cpe-credit.com remains unchanged, but the website will feature new functionalities that will prove very useful for internet users wishing to apply for a personal loan and mortgage or for those simply seeking updated and detailed information in the […]
What is a fixed interest rate? In this formula, you benefit from an interest rate that will remain the same throughout the duration of the loan/mortgage. This is a particularly interesting formula when rates are low and likely to increase over time. Currently, interest rates are historically low, making it the ideal formula. What is […]
You can no longer borrow on the credit market. For your listing to be removed, you must repay the unpaid amounts and then wait 15 months for the listing to be removed from the National Bank of Belgium.
When you borrow with another person and in the event of that person’s death, you would not be able to pay the loan alone, it is strongly advised to take out life insurance in your own interest. In some cases, the financial partner conditions the granting of the loan on the conclusion of credit insurance.
Do you want to acquire 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, composed of auto loan specialists, assists you in finding financing solutions for your mobility projects in Luxembourg City. Through a study […]
Do you want to acquire your first car, is your family growing, or does your old car break down too often? The car loan Namur is for you! Our team, composed of car loan specialists, assists you in finding financing solutions for your mobility projects in Namur. Through a study of your car loan needs, […]
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, assists you in finding financing solutions for your mobility projects in Esch-sur-Alzette. Through a study of your car loan needs, Crédit Populaire Européen […]
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 auto 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 […]
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 auto loan specialists in Mons, assists you in finding financing solutions for your mobility projects in Mons. Through a study of your auto loan needs, Crédit Populaire Européen provides you […]
Our team, composed of specialists in auto credit Belgium Luxembourg, supports you in finding financing solutions for your mobility projects in Belgium and Luxembourg. Through a study of your needs in auto loan, Crédit Populaire Européen provides you with auto financing solutions tailored to your budget and projects. Our team gives you a very quick […]
The personal loan or consumer credit allows you to manage your quick liquidity needs. Our team, composed of specialists in personal loans or consumer credit, assists 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 tailored […]
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 Arlon or consumer credit is made for you! The personal loan allows you to manage your quick liquidity needs. Our team, […]
Do you live in Namur or the Namurois region? Do you have a temporary cash flow need to carry out work, go on a trip, or finance your children’s leisure activities? The personal loan in Namur or consumer credit is made for you! The personal loan allows you to manage your quick liquidity needs. Our […]
Do you live in Esch-sur-Alzette or in a nearby city in the south of Luxembourg? Do you need to carry out work, go on a trip, finance your children’s leisure activities, or simply have a temporary cash need? The personal loan or consumer credit is made for you! The personal loan allows you to manage […]
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 through obtaining a mortgage loan from a bank and an insurance company. Thus, insuring your mortgage loan will be necessary once you have […]
Obtaining a mortgage to finance your real estate project in Esch-sur-Alzette requires an in-depth knowledge 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 […]
Obtaining a mortgage in Belgium to finance your real estate project in Mons requires a thorough 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 […]
The credit continues and must be supported by the surviving borrower. The latter must contact us and provide the death certificate. If the borrower had life insurance, then the insurance will cover all or part of the insured credit. If there is no life insurance, then the surviving borrower must bear the burden of the […]
Yes. We advise you to consolidate all your loans so that you only have one ongoing loan and a single 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.
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 credit and propose a new one. By doing so, we will already gain a deadline.
At CPE, we always have an advisor on duty: from 9 AM to 5 PM
Yes, assets placed in securities accounts, savings, term or deposit accounts can be taken into account to assess your contributory capacity.
Your divorce has no effect on your loan contract. Both ex-spouses remain jointly and severally liable for the borrowed amounts.
Finance your real estate project with a mortgage loan in Arlon. However, using a mortgage loan in Belgium requires a thorough understanding of the procedures and responsibilities involved. Indeed, financing your real estate project is done through obtaining a mortgage loan from a bank. Moreover, insuring this mortgage loan will be necessary for you. This […]
Of course, but for ease, our advisors take credit applications by phone and then, when your credit application is accepted, we welcome you to one of our agencies to have you sign the credit contract.
Our advisors will immediately contact the financial partner who refused your request and will try to defend it. By discussing with our financial partner, our advisors often manage to change the financial partner’s mind. If unfortunately, the refusal is confirmed, our advisors will submit the file to another financial partner.
Yes. Our advisors settle your current loan and offer you a new loan increased by the desired supplement.
If you do not pay two installments, your lending institution is legally obligated to terminate your credit contract and request your registration 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.
The vast majority of credit applications are made by phone. However, when your application is accepted, you will need to schedule an appointment with one of our advisors who will review your supporting documents and provide you with the credit contract for signature.
You must contact us immediately. We will find a solution together. Remember that after 2 unpaid installments, your lending institution will terminate your credit contract and you will be listed with the National Bank of Belgium. In this case, you will no longer be able to borrow on the credit market.
You must wait a period of three months and one day to submit a new application.
Contact us by phone. Our advisors will take your request by phone.
If you are married under the legal community regime or without a marriage contract, you cannot borrow alone and in this case, your spouse must sign the credit contract with you. If you are married under the separation of property regime, you can sign a credit contract alone.
Of course. A large majority of our clients are not Belgian.
CPE grants loans to foreign residents in Belgium and in Luxembourg.
The identity card of each borrower in order of validity or a valid passport. If the borrower is a foreigner but resides in Belgium or Luxembourg, they must present a Luxembourgish resident card or the Belgian residence card. The last 3 original pay slips of each borrower as well as the last 3 bank statements […]
Contact us. If you are listed but you own a property free of charge, we can offer you a mortgage and repay the unpaid amounts.
In general, credit applications are handled by our advisors over the phone. We then submit the file to one of our financial partners who gives us a response within 24 hours. If your application is accepted, we will schedule an appointment at one of our agencies for you to sign your credit contract.
Not at all. The amount of your loan is paid into your usual current account.
We submit your file to one of our financial partners, who will give us a response within 24 hours.
70% of Belgians are homeowners in Belgium. Since a tenant does not offer the same guarantees as a person who owns their home, their borrowing capacity is limited except in certain cases. At CPE, we generally limit a tenant’s borrowing capacity to 60 months, but there can be exceptions, especially if a guarantor is involved […]
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 signing 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 banking institution. […]
You will receive your money in the form of a transfer to your current account within a maximum of three business days.
Once the agreement is obtained from one of our partners, you have a period of three weeks to sign your credit contract. After this period, your agreement is no longer valid and our advisors would then be obliged to introduce a new file.
Yes, but on the condition that the bank can take a mortgage on a property located in Belgium or Luxembourg.
To be able to take out a loan, you must be at least 18 years old. Otherwise, all types of borrowing (consumer loan, mortgage, line of credit, etc.) will be prohibited for you. However, there are certain special cases. If your child is 16 years or older, you can act as a guarantor for them […]
This is the unilateral commitment of a person to acquire a good 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.
This is a document generally drafted by a notary or, in some cases, a bailiff. An authentic act is enforceable against third parties, meaning that third parties or individuals who are not part of the agreement cannot question the existence of the act. To contract a mortgage loan/credit, you must necessarily go before a notary because the deed […]
In Belgium, the acquisition of real estate, building or land, is taxed. Most often, it is the registration duty at 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 duties (12.5%). As a result, […]
The duration of the loan can extend over a period of 10 to 30 years depending on the age of the borrower(s) and the amount of the loan. Over this period, two cycles are to be distinguished: the “capital amortization(s)” i.e. the repayment of the capital to the lender. In a word, the repayment of […]
You must first be divorced to consider this solution or have a separation of property agreement. You can take out a loan to buy out your former spouse’s share. If you have a mortgage in both names, you can continue to repay it alone if your income is sufficient to cover the initial monthly payment […]
The minimum duration is set at 8 years and the maximum duration at 30 years and depends on the age of the applicant.
All banks require a contribution of funds from the borrower.
Yes, you can still decide to change notaries during the sales process, but the notary who takes over will only intervene after you have fully settled the fees of your previous notary. In this case, there will be a sharing of fees and costs.
The granting of a mortgage loan/credit incurs various fees: Registration fees, which is a tax. Opening of credit. This is a tax paid to the State by the Notary when the deed is registered with the mortgage registry. Notary fees (rates are set by law). Real estate appraisal (varies depending on the credit institution). Bank […]
First, let’s clarify that the mortgage is the guarantee that allows a bank to protect itself in the event that the borrower is no longer able to repay their loan. Indeed, the borrower could not sell the real estate without obtaining the agreement and the release of the mortgage. And the release of the mortgage? […]
The right of preemption is a right that allows a person (private or public) to have priority over other candidates for the purchase of a property when it is put up for sale. The beneficiary will be preferred even if they make an offer equal to other buyers. Most of the time, this right is […]
This morning, we were determined to write a very serious article about the production of fake documents to obtain credit illegally… well no, that will be for next week. You don’t know us well! At Crédit Populaire, you will meet brokers who are young, full of life, fantasy, and also professionalism, who know, like you, […]
Mortgage rates are starting to rise again after several years of declines. Although this increase is still focused on long-term loans and is quite small, it may be the most opportune time to renegotiate your mortgage rate before it’s too late. Renegotiate your mortgage. However, it is important to shop around to have several offers […]
Financing your real estate project through a mortgage loan in Belgium (notably Arlon, Mons and Namur), however, requires knowledge of the procedures and responsibilities involved. Indeed, a mortgage loan can only be executed through the financing of your real estate project by a bank. Additionally, it is necessary for you to take out insurance for […]
No. The law does not allow family allowances to be used for credit purposes.
In principle, if you are unemployed you cannot borrow because your unemployment benefit is not seizable unless you have a guarantor, that is, a person who commits with you and has seizable income. Furthermore, if you own an income-generating property and have rental income, you can borrow within the framework of a mortgage loan.
Once your credit contract is signed in our offices, your money is transferred to your bank account within 24 hours. If you are a resident in Luxembourg, you will have to wait 48 hours, and if the credit amount exceeds the sum of €25,000.00, a period of 3 working days is required.
Any person residing in Belgium or Luxembourg, regardless of their professional situation (employee, salaried, liberal profession, self-employed…) can apply for a mortgage loan/credit at Crédit Populaire Européen.
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