My application for credit has been denied. How long do I have to wait to reapply?

You must wait three months and one day to reapply.

What is the most interesting formula for taking out a mortgage loan?

We must analyze each situation on a case-by-case basis. When interest rates are very low, it may be interesting to conclude a contract with a fixed rate. When the rates are high, it is then advisable to conclude a variable rate contract. In all cases, our advisors study each case in a specific way to find the formula best suited to your situation.

For a mortgage loan, do banks require a minimum deposit of money?

Some banks do not require a contribution of funds from the borrower. However, if the bank has to finance the entire amount of the loan plus the costs of the notarial deed, it is possible that your interest rate will be higher than if you are able to make a prior contribution . If you are not able to make a advance contribution, we invite you to consult our 125% mortgage loan solution.

Can I apply for credit simultaneously with several different brokers?

Especially not. If you submit several credit requests to different brokers, your request will probably be refused because the Personal Credit Center will consider that they are different credits.

In what form will I receive my money?

You will receive your money as a transfer to your current account within three working days at most.

Can I take into account my investments, my securities, term or savings accounts to borrow?

Yes, the assets placed in securities, savings, term or deposit accounts can be taken into account to assess your contributory capacity.

I am registered with the bnb. What can I do?

Contact us. If you have a mortgage but own a property free of charge, we can offer you a mortgage and pay off the outstanding amounts.

Consequences of being registered with the BNB ? CPE

Warning, borrowing money also costs money.

+32(0)65/84.02.03

What are the consequences of being registered with the National Bank of Belgium?

You can no longer borrow on the credit market. In order to have your file cancelled, you must repay the outstanding amounts and then wait 15 months for the file to be cancelled by the National Bank of Belgium.