Q: Which interest rate is best for me?

What is fixed interest rate? In this formula, you benefit from an interest rate which will be identical for the entire duration of the execution of the loan / mortgage credit. This is a particularly interesting formula when rates are low and likely to increase over time. Currently interest rates are historically low and this is therefore the ideal formula. What is the semi-fixed interest rate? In this formula, you benefit from a fixed rate for a period of 10 years and then a rate review takes place. This formula is interesting when rates are likely to increase in the future. What is the graduated interest rate? In this formula, you repay more interest than capital. The monthly payments are linked to the index and increase by €30 to €40 every two years. This is a particularly interesting formula for young people whose professional salary is expected to increase over the course of their career.

Question 1

Can I make an appointment at the agency?

nathalie · Accepted Answer

Of course, but for your convenience, our advisors take credit applications over the phone and then, when your credit application is accepted, we receive you in one of our branches to have you sign the credit contract.

Question 2

What are the costs involved in buying a new property?

nathalie · Accepted Answer

The sale of new buildings is taxed differently. It is subject to VAT. The sale price includes :

field registration fees.
the "construction" part, subject to VAT (21%).
Notary fees and costs calculated on the total value must be added.

Question 3

How does the credit application procedure work? Do I need to make an appointment to apply for credit?

Remy · Accepted Answer

In general, credit requests are taken by our advisors over the telephone. 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 for you at one of our agencies so that you can sign your credit contract.

Question 4

I am going to divorce, is it possible to repay an existing loan on my own?

Remy · Accepted Answer

You must first be divorced to consider this solution or have a property separation contract. You can take out a loan to buy out your former spouse's share. If you have a mortgage loan in both names, you can continue to repay it alone if your income is sufficient to repay the initial monthly payment (decoupling of the loan), which requires the agreement of the lending bank. If the monthly payment proves too high, we could refinance the remaining balance of the mortgage loan over a longer term through another bank.

Question 5

What is “right of pre-emption”?

Accepted Answer

It is a right which allows a person to be preferred over other candidates for the purchase of real estate when it is put up for sale.

The beneficiary will therefore be preferred even if he makes an equal offer to the other buyers.

Question 6

What is an authentic act?

Remy · Accepted Answer

This is an act generally drawn up by a notary or in certain cases a bailiff.

An authentic act is enforceable against third parties, that is to say that third parties or people who are not parties to the agreement cannot question the existence of the act.

To take out a loan/mortgage credit, you must necessarily go before a notary because the deed of sale and the loan/mortgage credit contract are notarial acts.

Question 7

I already have a current loan. Can I get additional credit?

Remy · Accepted Answer

Yes. Our advisors settle your current loan and offer you a new loan with the desired addition.

Question 8

Which interest rate is best for me?

Remy · Accepted Answer

What is fixed interest rate? In this formula, you benefit from an interest rate which will be identical for the entire duration of the execution of the loan / mortgage credit. This is a particularly interesting formula when rates are low and likely to increase over time. Currently interest rates are historically low and this is therefore the ideal formula. What is the semi-fixed interest rate? In this formula, you benefit from a fixed rate for a period of 10 years and then a rate review takes place. This formula is interesting when rates are likely to increase in the future. What is the graduated interest rate? In this formula, you repay more interest than capital. The monthly payments are linked to the index and increase by €30 to €40 every two years. This is a particularly interesting formula for young people whose professional salary is expected to increase over the course of their career.

Can I make an appointment at the agency?

Can I make an appointment at the agency?

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