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.

I already have a current loan. Can I get additional credit?

Yes. Our advisors settle your current loan and offer you a new loan with the desired addition.

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

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 documents do I need to apply for credit?

The identity card of each borrower in order of validity or a valid passport. If the borrower is a foreigner but resides in Belgium or Luxembourg, he/she will have to present a Luxembourg resident card or a Belgian residence card. The last 3 original salary slips of each borrower as well as the last 3 bank statements proving the collection of your salary on your bank account.

Can reimbursements be made to an account in Luxembourg?

Without any problem, you must know the IBAN and BIC accounts. There are no fees to repay your credit from an account in Luxembourg.

Which interest rate is best for me?

What is fixed interest rate? In this formula, you benefit from an interest rate which will be identical for the entire duration of the execution of the loan / mortgage credit. This is a particularly interesting formula when rates are low and likely to increase over time. Currently interest rates are historically low and this is therefore the ideal formula. What is the semi-fixed interest rate? In this formula, you benefit from a fixed rate for a period of 10 years and then a rate review takes place. This formula is interesting when rates are likely to increase in the future. What is the graduated interest rate? In this formula, you repay more interest than capital. The monthly payments are linked to the index and increase by €30 to €40 every two years. This is a particularly interesting formula for young people whose professional salary is expected to increase over the course of their career.