Mortgage Loan
Finance your real estate project with peace of mind
Do you want to buy a house, purchase land to build on, or finance renovations? The mortgage loan offers you tailor-made solutions adapted to your needs. Take advantage of our expertise to obtain the best conditions and realize your real estate projects with peace of mind.
Legal Notice
** 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.
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Mortgage Loan
Do you want to acquire a house? Do you want to buy land and
build the house of your dreams? Are you simply considering doing
renovation work? Review your conditions, rates, monthly payments. Discover the
mortgage loan.
Take advantage of our unique expertise in the field of mortgage loans. Our company offers innovative and tailor-made mortgage loan products. Do not hesitate to contact our specialized brokers for more information and solutions adapted to your needs.
You can apply for a mortgage loan if you:
- Reside in Belgium;
- Are at least 18 years old;
- Receive regular income;
- Are not listed with the BNB (National Bank of Belgium);
- For a project to purchase a property located in Belgium or if you already own a property in Belgium without a mortgage registration.
In brief…
What is the purpose of the mortgage loan?
To finance the acquisition, renovation of your house, or review your conditions, rates, monthly payments.
The mortgage loan is available to you starting from a minimum request of €25,000 (loan for works and others). The duration of a mortgage loan can vary from 10 to 30 years and depends on the amount borrowed.
Who can take out a mortgage loan?
Any individual domiciled in Belgium.
What are the conditions for granting a mortgage loan?
- Receive your income in Belgium.
- Present your last three pay slips.
- One of the borrowers must have attachable income.
- Not be listed with the BNB although solutions exist.
- Borrow jointly for married persons unless under a matrimonial regime of separation of property.
The + of CPE
- You can submit your application by phone.
- Our collaborator will conduct a personalized analysis of your file as soon as possible.
- We will offer you the rate best suited to your budget.
- We answer all your questions regarding mortgage loans.
- You can sign your contract at our agency closest to your home.
FAQ
- What is the release of the mortgage?
- What are the fees associated with the 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 purchasing a new building?
- What is the amount I can borrow with a mortgage loan?
- Is it possible to repay early?
- For a mortgage loan, do banks require a minimum cash contribution?
- 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 variable)?
Notary Fees
Buying a property has a cost. First, the purchase price of course, but added to these are:
The registration fees are taxes that the State provides as soon as you need to register your notarial purchase deed. They are calculated according to 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 their fees based on the value of the property and according to the cost of the loan deed fees.
The loan deed fees are related to the credit necessary for the purchase of the property and registered at the mortgage office.
Discover our solutions based on your projects
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Why choose our services?
Discover why thousands of customers trust us to finance their projects:
Get an answer
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and online
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for all your projects
We inform you
of all details
What our customers say
Need funding?
I am carrying out my, project
- Go to our loan simulator.
- Select the type of project you want (personal loan, car loan, home improvement, loan consolidation, etc.).
- Enter the desired amount and term.
- Immediately get an estimate of your monthly payments and the total cost of the loan.
- If the offer suits you, you can submit your application online.
- Personal loan
- Car loan
- Home improvement loan
- Loan consolidation
- And much more…
- Valid ID (identity card or passport).
- Proof of income (pay slips, tax notice, etc.).
- Proof of address.
- Mersch Agency – 12, Grande-Duchesse Charlotte Street
- Esch-sur-Alzette Agency – 56, Rue de la Libération
- 📞 Phone: +352/24.55.99.99
- 📧 Email: info@cpe-credit.com
- 🌐 Website: www.cpe-credit.com
- Simulate your project with our tool:
- Select the type of project you want.
- Enter the amount and term to estimate your monthly payments in seconds.
- Receive a summary of your request instantly.
- If the offer suits you, continue to the next step.
- Fill out the loan application form with your details.
- Get an instant preliminary response – it’s free and with no obligation!
- ✔ The type of loan (personal, car, home improvement, loan consolidation, etc.).
- ✔ The amount borrowed – the higher the amount, the more the conditions may vary.
- ✔ The repayment term – a longer loan can affect the interest rate.
