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.

I don't have much income. Can I take into account my family allowance to increase my borrowing capacity?

No. The law does not allow child benefit payments to be used for credit purposes.

Up to what age can I borrow?

There is no age limit for borrowing. Our advisors analyze your situation on a case-by-case basis.

I am a student. May I borrow ?

Yes, provided you have an endorsement or deposit.

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.

Do I have to change banks to get a loan from CPE?

No way. The amount of your credit is paid to your usual current account.

What is mortgage discharge?

First, let us clarify that the mortgage is the guarantee which allows a bank to cover itself in the event that the borrower is no longer able to repay his loan. In fact, the borrower could not sell the property without obtaining approval and the release of the mortgage. The bank has the right to cancel the credit in the event of non-payment, to have the property sold during legal proceedings and to recover the balance of its debt from the proceeds of the construction of the building. On the other hand, in the event of early repayment of your mortgage loan, the notary is required to request the release of the mortgage. Release is a legal act where the bank certifies that the borrower has fully repaid their loan. This release is done by notarial deed which therefore generates notary fees. In practice: the release of a mortgage is only essential if you decide to sell the building. Otherwise, just let time pass to get the 30-year period to expire. In this case the mortgage will disappear automatically but this time without any costs.

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.