Q: 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.

Question 1

Is it possible to prepay?

nathalie · Accepted Answer

Yes, this is a right inherent in any type of loan.

Question 2

I cannot complete my online credit application. What can I do ?

Remy · Accepted Answer

Contact us by phone. Our advisors will take your request by telephone.

Question 3

I am having difficulty paying my monthly premium. What can I do ?

Remy · Accepted Answer

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.

Question 4

What is “offer to purchase”?

Accepted Answer

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.

Question 5

What is mortgage discharge?

Remy · Accepted Answer

First, let us clarify that the mortgage is the guarantee which allows a bank to cover itself in the event that the borrower is no longer able to repay his loan. In fact, the borrower could not sell the property without obtaining approval and the release of the mortgage.

The bank has the right to cancel the credit in the event of non-payment, to have the property sold during legal proceedings and to recover the balance of its debt from the proceeds of the construction of the building.

On the other hand, in the event of early repayment of your mortgage loan, the notary is required to request the release of the mortgage. Release is a legal act where the bank certifies that the borrower has fully repaid their loan.

This release is done by notarial deed which therefore generates notary fees. In practice: the release of a mortgage is only essential if you decide to sell the building. Otherwise, just let time pass to get the 30-year period to expire. In this case the mortgage will disappear automatically but this time without any costs.

Question 6

Which interest rate is best for me?

Remy · Accepted Answer

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.

Question 7

I am married, can I borrow alone or does my wife have to sign the credit contract with me?

adeline · Accepted Answer

If you are married under the legal community regime or without a marriage contract, you cannot borrow alone and in this case, your wife or husband must sign the credit contract with you. If you are married under the regime of separation of property, you can sign a credit contract alone.

Question 8

Can I make an appointment at the agency?

nathalie · Accepted Answer

Of course, but for your convenience, our advisors take credit applications over the phone and then, when your credit application is accepted, we receive you in one of our branches to have you sign the credit contract.

Is it possible to prepay?

Is it possible to prepay?

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