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.

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.

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.

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

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.

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.

You will receive your money as a transfer to your current account within three working days at most.

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.

No, for security reasons, your money is only paid to your bank account.

No way. The amount of your credit is paid to your usual current account.