I took out a loan with my husband. We are divorcing, what are the consequences on my current credit?

Your divorce has no effect on your contract agreement. The ex-spouses both remain jointly and indivisible liable for the amounts borrowed.

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.

I am registered with the bnb. What can I do?

Contact us. If you have a mortgage but own a property free of charge, we can offer you a mortgage and pay off the outstanding amounts.

How long do I have to wait to get an answer on my credit application?

We introduce your file to one of our financial partners who will give us an answer within 24 hours.

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.

When can I call you to submit a credit application?

At CPE we always have an advisor on duty from 9 a.m. to 5 p.m.

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

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

Tenant? Find Out If You Can Take a Long-Term Loan

Warning, borrowing money also costs money.

+32(0)65/84.02.03

I am a tenant. Can I take out a long-term loan (84 to 120 months)?

70% of Belgians own property in Belgium. To the extent that a person who rents does not offer the same guarantees as a person who owns their home, their ability to borrow is limited unless there are exceptions. At CPE we generally limit a tenant’s borrowing capacity to 60 months but there may be exceptions, particularly if a guarantee is agreed with the tenant. In any case, we advise you to purchase your home as interest rates on mortgage loans are historically low. Contact us in this regard.