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.

I took out a loan with my husband. We are divorcing, what are the consequences on my current credit?

Your divorce has no effect on your contract agreement. The ex-spouses both remain jointly and indivisible liable for the amounts borrowed.

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 having difficulty paying my monthly premium. What can I do ?

You must contact us immediately. We will find a solution together. Don't forget that after 2 unpaid monthly payments, your lending organization will cancel your credit contract and you will be listed with the National Bank of Belgium. In this case, you will no longer be able to borrow on the credit market.

What is mortgage discharge?

First, let us clarify that the mortgage is the guarantee which allows a bank to cover itself in the event that the borrower is no longer able to repay his loan. In fact, the borrower could not sell the property without obtaining approval and the release of the mortgage. The bank has the right to cancel the credit in the event of non-payment, to have the property sold during legal proceedings and to recover the balance of its debt from the proceeds of the construction of the building. On the other hand, in the event of early repayment of your mortgage loan, the notary is required to request the release of the mortgage. Release is a legal act where the bank certifies that the borrower has fully repaid their loan. This release is done by notarial deed which therefore generates notary fees. In practice: the release of a mortgage is only essential if you decide to sell the building. Otherwise, just let time pass to get the 30-year period to expire. In this case the mortgage will disappear automatically but this time without any costs.

How long do I have to wait to get an answer on my credit application?

We introduce your file to one of our financial partners who will give us an answer within 24 hours.

Who can apply for a mortgage loan?

Any person residing in Belgium or Luxembourg , whatever their professional situation (employee, employee, liberal profession, self-employed, etc.) can apply for a loan / mortgage credit from European Popular Credit .