I received approval for my credit application. How long is this agreement valid?

Once agreement has been obtained from one of our partners, you have three weeks to sign your credit contract. After this period, your agreement is no longer valid and our advisors would then be obliged to submit a new file.

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 am a student. May I borrow ?

Yes, provided you have an endorsement or deposit.

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.

How does the credit application procedure work? Do I need to make an appointment to apply for credit?

In general, credit requests are taken by our advisors over the telephone. We then submit the file to one of our financial partners who gives us a response within 24 hours. If your application is accepted, we will schedule an appointment for you at one of our agencies so that you can sign your credit contract.

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.

What is an authentic act?

This is an act generally drawn up by a notary or in certain cases a bailiff. An authentic act is enforceable against third parties, that is to say that third parties or people who are not parties to the agreement cannot question the existence of the act. To take out a loan/mortgage credit, you must necessarily go before a notary because the deed of sale and the loan/mortgage credit contract are notarial acts.

Refinance mortgage credit to benefit from a better

Warning, borrowing money also costs money.

+32(0)65/84.02.03

Can you refinance a current mortgage loan to benefit from a better rate?

This is a possible operation but it necessarily involves costs. We advise you to redeem your loan/mortgage credit. We can study your file and offer you a better interest rate and thus buy back your current loan/mortgage credit. Contact our advisors for this purpose.