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

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

How long is the mortgage loan?

The duration of the credit can be spread over a period of 10 to 30 years depending on the age of the borrower(s) and the amount of the loan. Over this duration, two cycles can be distinguished: the “depreciation(s) of capital” i.e. repayment of capital to the credit provider. In a word, the repayment of the amount lent to you. the “interest” that must be paid by the borrower. It is always in your interest to repay the capital as quickly as possible and therefore to favor a fixed rate mortgage loan/credit for the shortest possible duration. For what ? Because the more capital you repay, the less interest you will have paid upon closing the loan/mortgage credit contract.

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

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.

What documents do I need to apply for credit?

The identity card of each borrower in order of validity or a valid passport. If the borrower is a foreigner but resides in Belgium or Luxembourg, he/she will have to present a Luxembourg resident card or a Belgian residence card. The last 3 original salary slips of each borrower as well as the last 3 bank statements proving the collection of your salary on your bank account.

Can I receive my money in cash?

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

I don't live in Belgium. Can I borrow from CPE?

CPE grants loans to foreigners residing in Belgium and Luxembourg.

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.