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.

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 .

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.

What is “offer to purchase”?

This is the unilateral commitment of a person to acquire property under certain conditions. The offer does not bind its recipient as such unless they expressly agree to it. In this case, the sales contract is formed.

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.

What are “conditions precedent”?

These are clauses indicated in the sales agreement which condition the birth of the legal effects of the loan / mortgage credit contract on the fulfillment of one or more conditions stipulated concretely in the notarial deed. The condition being in this case obtaining the agreement of the bank. It is therefore above all a protection for the future buyer in the event that his credit request is refused by the banking organization. Thus, when you sign your sales agreement, it will be subject to the suspensive condition that you obtain your loan/mortgage credit within the time limit set when signing the sales agreement before the notary or with the real estate agency. Concretely, this means that if you do not obtain your loan / mortgage credit within the agreed deadline, it is void (cancelled) unless you obtain an extension of the deadline to obtain your loan / mortgage credit. In this case, things are returned to their original state and each party to the sales agreement is released from their obligations. The seller could thus agree to sell his property to another candidate buyer who would sign a new notarized sales agreement. At Crédit Populaire Européen, we are committed to giving you a quick response so that you can notify the seller as quickly as possible.

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.

Mortgage credit: The most interesting option? CPE

Warning, borrowing money also costs money.

+32(0)65/84.02.03

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.