Home Loan: Finance Your Real Estate Project
Whether you want to buy a house, renovate an old property, or pay a rental deposit, the home loan is the ideal solution to realize your real estate projects. Discover our advantageous conditions tailored to your budget and needs.
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Home Loan
Our company always has the real estate solution you need: whether you want to buy a new house, renovate an older building, or simply become a tenant.
The home loan allows you to buy your house, carry out the necessary renovation work, or pay the rental deposit for your apartment.
In Brief…
What is the purpose of this loan?
To finance the purchase of your house, carry out renovation work, or pay your rental deposit. Depending on whether it is a mortgage loan or a personal loan, our conditions are obviously different. Thus, real estate acquisition meets mortgage conditions (for example: interest rates starting at 3.25% depending on the file) and deposit financing meets personal loan conditions (APR starting at 5.95% and varies depending on the duration and amount borrowed).
Who can apply for this loan?
Anyone living in Belgium.
Grant conditions?
Present your last three pay slips.
Not subject to wage garnishment.
Be engaged in a permanent contract (CDI) for at least one of the borrowers (a minimum duration of 6 months is ideal).
Not subject to a report to the BNB.
Valid identity card or residence card in Belgium.
The + of CPE
- Our advisors analyze your file in a personalized manner.
- We give you a response within 24 hours.
- You only need to visit for the contract signing at our agency closest to your home.
- You can submit your application by phone or via our website.
- We answer your questions over the phone.
- You receive the funds within three days following the signing of your personal loan.
FAQ
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- What is the release of the mortgage?
- What are the fees associated with a mortgage loan?
- What is the duration of a mortgage loan?
- What is an authentic act?
- What is the “right of preemption”?
- What is a “purchase offer”?
- What are “suspensive conditions”?
- During the house purchase period, is it possible to change notaries?
- What are the fees for buying a new building?
- What is the amount I can borrow for a mortgage loan?
- Is it possible to repay early?
- For a mortgage loan, do banks require a minimum down payment?
- Is it possible to take out a mortgage loan to buy a property abroad?
- I am going to divorce. Is it possible to repay an existing loan alone?
- Can a mortgage loan be canceled to benefit from a better rate?
- Who can apply for a mortgage loan?
- What is the possible duration for my mortgage loan?
- Which interest rate is most interesting for me (fixed, semi-fixed, or progressive)?
Buying a property has a cost. First, the purchase price, of course, but added to these are the registration fees, the notary’s fees, and the loan deed fees.
Registration fees are taxes that the State requires as soon as you need to register your notarial purchase deed. They are calculated based on the sale price and the cadastral income amount. They also vary depending on the regions. The notary’s fees depend on the value of the property.
The notary calculates his fees based on the value of the property and according to the cost of the loan deed fees. Loan deed fees are related to the credit needed for the purchase of the property and are registered at the mortgage office.
The Crédit Populaire Européen provides you with two fee simulators to help you get a first idea of the overall cost of the real estate transaction:
Example of a real estate loan:
Borrowed capital 250,000 euros in 300 monthly payments of 1,244.20 euros – Total to be paid: 373,260.00 euros – APR = (annual percentage rate) = 3.50% – fixed annual debit interest rate = 3.50%
Attention, borrowing money also costs money
Discover our solutions based on your projects
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Discover why thousands of customers trust us to finance their projects:
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Need funding?
I am carrying out my, project
- Rendez-vous sur notre simulateur.
- Sélectionnez le type de projet souhaité (prêt personnel, auto, travaux, regroupement de crédits…).
- Indiquez le montant et la durée souhaités.
- Obtenez immédiatement une estimation de votre mensualité et du coût total du prêt.
- Si l’offre vous convient, vous pouvez introduire une demande en ligne.
- Prêt personnel
- Prêt auto
- Prêt travaux
- Regroupement de crédits
- Et bien d’autres…
- Pièce d’identité (carte d’identité ou passeport en cours de validité).
- Preuve de revenus (fiches de paie, avertissement extrait de rôle…).
- Justificatif de domicile.
- Agence de Mersch – Rue Grande-Duchesse Charlotte, 12
- Agence d’Esch-sur-Alzette – Rue de la Libération, 56
- 📞 Téléphone : +352/24.55.99.99
- 📧 E-mail : info@cpe-credit.com
- 🌐 Site web : www.cpe-credit.com
- Simulez votre projet via notre simulateur :
- Sélectionnez le type de projet qui vous convient.
- Indiquez le montant et la durée pour estimer vos mensualités en quelques secondes.
- Recevez le résumé de votre demande directement via notre simulateur.
- Si l’offre vous convient, passez à l’étape suivante et faites votre demande.
- Complétez le formulaire de demande et renseignez vos informations.
- Recevez une réponse de principe immédiate – c’est gratuit et sans engagement !
- ✔ Le type de prêt (prêt personnel, auto, travaux, regroupement de crédits…).
- ✔ Le montant emprunté : plus le montant est élevé, plus les conditions peuvent varier.
- ✔ La durée de remboursement : un prêt plus long peut influencer le taux d’intérêt.
