My credit application was denied. How long do I have to wait to submit a new application?

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.

I am a tenant. Can I take out a long-term loan (84 to 120 months)?

70% of Belgians own property in Belgium. To the extent that a person who rents does not offer the same guarantees as a person who owns their home, their ability to borrow is limited unless there are exceptions. At CPE we generally limit a tenant's borrowing capacity to 60 months but there may be exceptions, particularly if a guarantee is agreed with the tenant. In any case, we advise you to purchase your home as interest rates on mortgage loans are historically low. Contact us in this regard.

I cannot complete my online credit application. What can I do ?

Contact us by phone. Our advisors will take your request by telephone.

I am a foreign national. Can I get a loan from CPE?

Of course. A large majority of our customers are not Belgian.

How much can I borrow on a mortgage?

It is generally accepted that the total credit charges for a month should not exceed 33% of your monthly income for a single person and for certain banks. In certain other cases, the debt ratio for importable income can go up to 50% of household income. At Crédit Populaire Européen, our specialists study your situation and will offer to repurchase and consolidate current loans so that you only have one loan to repay, guaranteed by a mortgage.

I am unemployed, can I borrow?

In principle, if you are unemployed you cannot borrow because your unemployment benefit cannot be seized unless you have a guarantee, that is to say a person who agrees with you and who has seizable income. . In addition, if you own an investment property and have rental income, you can borrow under a mortgage loan.