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.

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.

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.

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.

I am a student. May I borrow ?

Yes, provided you have an endorsement or deposit.

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.

What documents do I need to apply for credit?

The identity card of each borrower in order of validity or a valid passport. If the borrower is a foreigner but resides in Belgium or Luxembourg, he/she will have to present a Luxembourg resident card or a Belgian residence card. The last 3 original salary slips of each borrower as well as the last 3 bank statements proving the collection of your salary on your bank account.

Divorce, is it possible to repay a loan alone?- CPE

Warning, borrowing money also costs money.

+32(0)65/84.02.03

I am going to divorce, is it possible to repay an existing loan on my own?

You must first be divorced to consider this solution or have a property separation contract. You can take out a loan to buy out your former spouse’s share. If you have a mortgage loan in both names, you can continue to repay it alone if your income is sufficient to repay the initial monthly payment (decoupling of the loan), which requires the agreement of the lending bank. If the monthly payment proves too high, we could refinance the remaining balance of the mortgage loan over a longer term through another bank.