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.

I have several outstanding loans. Can you simplify my situation?

Yes , we recommend that you consolidate all your loans so that you only have one outstanding loan and one monthly payment. Our advisors will offer you an interest rate that will make your new monthly payment less than the sum of your current monthly payments.

Is it possible to take out a mortgage loan to buy a property abroad?

Yes, but on the condition that the bank can take out a mortgage on real estate located in Belgium or Luxembourg.

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.

Can you refinance a current mortgage loan to benefit from a better rate?

This is a possible operation but it necessarily involves costs. We advise you to redeem your loan/mortgage credit. We can study your file and offer you a better interest rate and thus buy back your current loan/mortgage credit. Contact our advisors for this purpose.

Is it possible to prepay?

Yes, this is a right inherent in any type of loan.

What are the costs associated with mortgage credit?

Granting a loan/mortgage credit generates various costs: Registration fees which is a tax. Credit opening. This is a tax paid to the State by the Notary when registering the deed for the conservation of mortgages. Notary fees (rates are set by law). Real estate expertise (varies depending on the credit organization). Bank application fees (vary depending on the credit organization and the capital borrowed). Miscellaneous costs (search costs, stamps, etc.). These fees vary depending on the amount of your loan.