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.

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.

Who can apply for a mortgage loan?

Any person residing in Belgium or Luxembourg , whatever their professional situation (employee, employee, liberal profession, self-employed, etc.) can apply for a loan / mortgage credit from European Popular Credit .

How long can my mortgage loan last?

The minimum duration is set at 8 years and the maximum duration at 30 years and depends on the age of the applicant.

Which interest rate is best for me?

What is fixed interest rate? In this formula, you benefit from an interest rate which will be identical for the entire duration of the execution of the loan / mortgage credit. This is a particularly interesting formula when rates are low and likely to increase over time. Currently interest rates are historically low and this is therefore the ideal formula. What is the semi-fixed interest rate? In this formula, you benefit from a fixed rate for a period of 10 years and then a rate review takes place. This formula is interesting when rates are likely to increase in the future. What is the graduated interest rate? In this formula, you repay more interest than capital. The monthly payments are linked to the index and increase by €30 to €40 every two years. This is a particularly interesting formula for young people whose professional salary is expected to increase over the course of their career.

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.

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.

Married? Can you borrow alone or must your wife sign the credit ?

Warning, borrowing money also costs money.

+32(0)65/84.02.03

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.