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.

Up to what age can I borrow?

There is no age limit for borrowing. Our advisors analyze your situation on a case-by-case basis.

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

I just got laid off. What are the consequences on my current credit?

In Belgium, we cannot postpone a payment deadline. If you have lost your job, you should contact us immediately. We can offer you a solution to settle your outstanding credit and offer you a new one. By doing so, we will already gain a deadline.

My co-borrower has just passed away. What are the consequences for my current loan?

The credit continues and must be supported by the living borrower. The borrower must contact us and provide us with the death certificate. If the borrower had death insurance, then the insurance will cover all or part of the insured loan. If there is no death insurance, then the living borrower must bear the cost of the loan alone.

Can I take into account my investments, my securities, term or savings accounts to borrow?

Yes, the assets placed in securities, savings, term or deposit accounts can be taken into account to assess your contributory capacity.

Simultaneous credit application from different brokers?

Warning, borrowing money also costs money.

+32(0)65/84.02.03

Can I apply for credit simultaneously with several different brokers?

Especially not. If you submit several credit requests to different brokers, your request will probably be refused because the Personal Credit Center will consider that they are different credits.