During the house purchase period, is it possible to change notary?

Yes, you can always decide to change notary during the sales procedure but the notary who will take over will only intervene after you have paid the fees of your previous notary in full. In this case, there will be a sharing of fees and costs.

At what age can I take out a loan?

You must be at least 18 years old.

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 is “right of pre-emption”?

It is a right which allows a person to be preferred over other candidates for the purchase of real estate when it is put up for sale. The beneficiary will therefore be preferred even if he makes an equal offer to the other buyers.

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.

I am a student. May I borrow ?

Yes, provided you have an endorsement or deposit.

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.

How does a credit application work?

Warning, borrowing money also costs money.

+32(0)65/84.02.03

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.