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.

Do I have to come to your offices to apply for credit?

The vast majority of credit requests are made by telephone. However, when your request is accepted, you will need to make an appointment with one of our advisors who will examine your supporting documents and give you the credit contract for signature.

I am a foreign national. Can I get a loan from CPE?

Of course. A large majority of our customers are not Belgian.

What are the costs associated with mortgage credit?

Granting a loan/mortgage credit generates various costs: Registration fees which is a tax. Credit opening. This is a tax paid to the State by the Notary when registering the deed for the conservation of mortgages. Notary fees (rates are set by law). Real estate expertise (varies depending on the credit organization). Bank application fees (vary depending on the credit organization and the capital borrowed). Miscellaneous costs (search costs, stamps, etc.). These fees vary depending on the amount of your loan.

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.

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.

I already have a current loan. Can I get additional credit?

Yes. Our advisors settle your current loan and offer you a new loan with the desired addition.

How much can I borrow on a mortgage? - Crédit populaire Européen

Warning, borrowing money also costs money.

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How much can I borrow on a mortgage?

It is generally accepted that the total credit charges for a month should not exceed 33% of your monthly income for a single person and for certain banks. In certain other cases, the debt ratio for importable income can go up to 50% of household income.

At Crédit Populaire Européen, our specialists study your situation and will offer to repurchase and consolidate current loans so that you only have one loan to repay, guaranteed by a mortgage.