How long can my mortgage loan last?

The minimum duration is set at 8 years and the maximum duration at 30 years and depends on the age of the applicant.

During the house purchase period, is it possible to change notary?

Yes, you can always decide to change notary during the sales procedure but the notary who will take over will only intervene after you have paid the fees of your previous notary in full. In this case, there will be a sharing of fees and costs.

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 don't have much income. Can I take into account my family allowance to increase my borrowing capacity?

No. The law does not allow child benefit payments to be used for credit purposes.

I don't live in Belgium. Can I borrow from CPE?

CPE grants loans to foreigners residing in Belgium and Luxembourg.

I am going to divorce, is it possible to repay an existing loan on my own?

You must first be divorced to consider this solution or have a property separation contract. You can take out a loan to buy out your former spouse's share. If you have a mortgage loan in both names, you can continue to repay it alone if your income is sufficient to repay the initial monthly payment (decoupling of the loan), which requires the agreement of the lending bank. If the monthly payment proves too high, we could refinance the remaining balance of the mortgage loan over a longer term through another bank.

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

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

Difficulty paying my monthly premium. What to do ? CPE

Warning, borrowing money also costs money.

+32(0)65/84.02.03

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.