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Inheritance Loan: Preserve Your Family Heritage
Face high inheritance taxes in Belgium without sacrificing your heritage. Crédit Populaire Européen offers the inheritance loan, a flexible solution to preserve your real estate or manage the transfer of your assets with complete peace of mind.
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** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
Understanding the Inheritance Loan: A Solution to Protect Your Heritage
The Inheritance Loan is an installment loan specifically designed to help you finance the costs associated with an inheritance. Its primary purpose is to provide you with the necessary liquidity to pay the inheritance taxes, which are often very high in Belgium, without being forced to urgently sell a property or other valuable assets you care about.
The Inheritance Loan is the ideal solution for:
- Paying inheritance taxes: Cover the amount requested by the tax authorities within the given deadlines.
- Keeping the family home: Avoid having to sell the inherited property to pay the taxes.
- Buying out the other heirs’ shares (settlement payment): Become the sole owner of a property by compensating the other beneficiaries.
- Financing related costs: Pay for notary fees, appraisal fees, and other costs related to the succession.
- Managing an inheritance without liquidity: Meet financial obligations when the inheritance consists mainly of non-liquid assets (real estate, works of art, etc.).
Thanks to our online simulation, you can quickly estimate:
- The amount to borrow to cover all your costs.
- The monthly payment that fits your budget while you manage the succession.
- The flexible repayment term, with the possibility of early repayment.
The Inheritance Loan offers you the peace of mind needed to navigate this delicate period of life, giving you the time and resources to make the best decisions for your assets.
Free • No obligation • Quick in-principle decision
The Key Advantages of the Inheritance Loan
The Inheritance Loan is a targeted financing solution that stands out for its relevance and flexibility in an inheritance context:
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Preservation of family heritage: The main advantage. You are no longer forced to hastily sell a property with historical or sentimental value to pay taxes.
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Saves time and provides peace of mind: By obtaining the necessary funds, you gain valuable time to organize the management or eventual sale of inherited assets under better conditions, without the pressure of tax deadlines.
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Repayment flexibility: The terms are often adapted to the situation, with, for example, the option of early repayment (often without fees) once a property is sold.
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Solution for joint ownership: Facilitates arrangements between heirs, particularly by financing the buyout of others’ shares, to avoid conflicts and deadlocks.
With these benefits, the Inheritance Loan establishes itself as the indispensable financial tool to navigate the inheritance process with control and without sacrificing the assets passed down by your loved ones.
How to Quickly Get Your Inheritance Loan?
Our process is designed to be simple and support you during this delicate time.
1. Online Simulation
Use our simulator to estimate the necessary amount (inheritance taxes, notary fees, etc.) and determine a suitable monthly payment.
2. Application and File
Fill out the application form. Prepare your documents and those related to the succession (e.g., draft of the inheritance declaration).
3. Analysis and Response
Our specialized advisors analyze your file with understanding and discretion. You will receive a quick in-principle decision.
4. Contract Signing
After approval, you sign the credit agreement. We facilitate this process, including through electronic signature for simplicity.
5. Disbursement of Funds
The funds are released quickly and can be paid directly to the notary or the tax administration to settle the inheritance taxes.
Our expert advisors are here to listen at every step to guide you and answer your questions with empathy and professionalism.
Conditions Designed for Managing an Inheritance
We understand that managing a succession is a unique situation. That’s why the Inheritance Loan offers specific terms:
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Secure fixed rate: The interest rate is fixed for the entire duration of the loan, guaranteeing you constant monthly payments and a clear view of the total cost of your financing. No unpleasant surprises.
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Adapted repayment term: The term can be adjusted to keep the monthly payment comfortable, giving you time to manage the succession without additional financial pressure.
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Easy early repayment: If you decide to sell an inherited property, you can repay the loan early, in full or in part. This flexibility is essential to adapt to your changing situation.
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Analysis based on the estate’s assets: The analysis of your file takes into account the value of the inherited assets, in addition to your personal situation, to offer a fair and suitable solution.
This tailor-made approach is crucial for turning a complex financial obligation into a manageable and serene process.
Anticipate and Manage the Inheritance with Peace of Mind
Well-planned financing is the key to handling the transfer of assets without stress or haste.
Assess the inheritance taxes
As soon as possible, have your notary estimate the amount of inheritance taxes. Our simulator will then help you visualize the necessary financing.
Plan the financing
The inheritance loan gives you control. It allows you to pay the taxes on time, then decide on the future of the assets without urgency: keep, rent, or sell at the best price.
Benefit from expert guidance
Our advisors understand the human and financial stakes of a succession. They are here to offer you discreet, respectful, and effective support.
By anticipating the financing of costs, you give yourself the means to respect the wishes of your loved ones and make the best decisions for the sustainability of your family heritage.
Testimonials: They Preserved Their Heritage Thanks to Us
“When our parents passed away, the inheritance taxes were much higher than expected. Selling the family home urgently was out of the question. The CPE inheritance loan allowed us to pay the taxes and keep the house. A huge relief for the whole family.”
“I inherited an apartment but didn’t have the cash to pay the notary fees and inheritance taxes. Thanks to the loan, I was able to handle everything peacefully. I was then able to renovate it and rent it out, without ever being financially squeezed.”
Our clients particularly appreciate:
- The responsiveness and discretion of our teams during this difficult time.
- The clarity of the explanations and the simplicity of the process.
- The flexibility of the solution which allowed them not to sell their inheritance for less than it was worth.
Inheritance Loan FAQ
Find answers here to frequently asked questions about the Inheritance Loan, the financing solution to pay inheritance taxes and manage an estate in Belgium.
The Inheritance Loan is a type of personal loan (installment loan) specifically intended to finance the costs related to an inheritance. Its main function is to advance you the necessary funds to pay the inheritance taxes claimed by the tax administration within the legal deadlines.
It is particularly useful when the inheritance is mainly composed of non-liquid assets (such as a house, land, works of art) and the heirs do not have enough cash in their accounts to pay the taxes. It thus allows avoiding having to sell these assets in a hurry and often at a price below their real value.
It is advisable to start the process as soon as you have a reliable estimate of the amount of inheritance taxes to be paid. Generally, this estimate is provided by the notary in charge of the succession.
Do not wait for the tax assessment notice (the tax bill). Anticipating the application allows you to:
- Approach the credit application process without stress.
- Ensure that the funds will be available in time to meet the payment deadline set by the administration.
- Incorporate the cost of the credit into the overall management of the succession.
In addition to the usual documents required for an installment loan (identity card, pay slips, bank statements), you will need to provide documents specific to the succession:
- A copy of the death certificate.
- The draft of the inheritance declaration prepared by your notary. This document is essential as it details the value of the inherited assets and estimates the amount of taxes to be paid.
- Any information proving your status as an heir.
These documents allow our advisors to analyze the situation as a whole and offer you a perfectly tailored proposal.
Yes, absolutely. This is one of the key advantages of the Inheritance Loan. The law allows you to repay your credit early, either in part or in full.
This option is very relevant in the context of a succession. For example, if you ultimately decide to sell an inherited property after a few months or years, the proceeds from the sale can be used to pay off the loan. Early repayment fees, capped by law, may apply, but the flexibility offered is a major asset.
Yes. The Inheritance Loan is an excellent solution for financing a share buyout. This is the sum of money that one heir must pay to the other co-heirs to compensate for being allocated a property of a value greater than their share (for example, to become the sole owner of the family home).
The credit provides you with the necessary funds to compensate the other heirs, exit joint ownership, and avoid conflicts or the forced sale of the property.
The criteria are similar to those for a classic personal loan, but with special attention paid to the context of the succession:
- Your repayment capacity: We analyze your income and expenses to ensure that the loan’s monthly payments are manageable for your budget.
- Your status as an heir: You must be a legal beneficiary of the succession.
- The value of the inherited estate: The substance of the estate’s assets is also an element taken into account in the risk analysis.
- No negative credit history: As with any credit, we consult the Central Individual Credit Register of the National Bank of Belgium.
Each file is studied on a case-by-case basis with a human and understanding approach to your situation.