My application for credit has been denied. How long do I have to wait to reapply?

You must wait three months and one day to reapply.

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.

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.

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.

I cannot complete my online credit application. What can I do ?

Contact us by phone. Our advisors will take your request by telephone.

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.

For a mortgage loan, do banks require a minimum deposit of money?

Some banks do not require a contribution of funds from the borrower. However, if the bank has to finance the entire amount of the loan plus the costs of the notarial deed, it is possible that your interest rate will be higher than if you are able to make a prior contribution . If you are not able to make a advance contribution, we invite you to consult our 125% mortgage loan solution.

Am I required to take out death insurance?

Warning, borrowing money also costs money.

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Am I required to take out death insurance?

When you borrow with another person and in the event of this person’s death, you would not be able to pay the loan alone, you are strongly advised to take out death insurance in your own interest. In certain cases, the financial partner makes the granting of credit conditional on the conclusion of credit insurance.