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.

What are the consequences of failing to repay my loan?

If you do not pay two monthly payments, your lending organization has a legal obligation to cancel your credit contract and request your registration from the National Bank of Belgium. In this case, you will no longer be able to borrow on the credit market until your dispute is resolved.

What is the most interesting formula for taking out a mortgage loan?

We must analyze each situation on a case-by-case basis. When interest rates are very low, it may be interesting to conclude a contract with a fixed rate. When the rates are high, it is then advisable to conclude a variable rate contract. In all cases, our advisors study each case in a specific way to find the formula best suited to your situation.

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.

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

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.

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.

Can I make an appointment at the agency?

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.