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BORROWING
Bridging loan or bridging credit
Are you planning to buy or build a new home? Do you want to use the proceeds from the sale of your current property in Belgium to fund the new transaction? While waiting for the sale, we will lend you the necessary amount. Once your property is sold, you only need to repay the loan. This is called a bridging loan or bridging credit.
Draw the amount according to your needs
Are you buying an existing home? You will only make one withdrawal. Are you building? You will benefit from your home loan by withdrawing the necessary amounts in stages.
How does the Bridging Loan work?
Our team determines the expected sale proceeds and the loan amount, with a minimum loan amount of €12,500. The amount is paid into a separate account. During the loan period, you pay a fixed interest rate. You repay the Bridging Loan on the sale date of your property. If the sale takes longer than expected, you have up to twelve months from the date of signing the loan agreement to repay the loan.
Legal information
Loan type: mortgage loan for (im)movable property. The provisions of the mortgage loan in Chapter 2 of Title 4 of Book VII of the Economic Law Code apply. Subject to acceptance of your application by BNP Paribas Fortis SA, lender, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.
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Mortgage Loan
Financing your property project? Our mortgage loan is unique on the Belgian market. Shorten or extend its duration, revise your interest rate, or temporarily reduce your repayments: you can adapt it with complete flexibility.
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Renovation Loan (Term Loan)
Want to transform your home according to your desires? With us, you can finance your works at an attractive rate, up to three months after their completion, and borrow up to 30% more than the value of your project, tailored to your needs.
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Energy loan (Term loan)
Insulation, solar panels, green roof or water-saving system. Do you want to reduce your home's energy consumption and gain comfort? Finance your projects at an attractive rate.
Legal Information
Renovation Loan and Energy Loan – Loan type: term loan. The provisions of the consumer credit in Chapter 1 of Title 4 of Book VII of the Economic Law Code apply. Subject to acceptance of your application by Alpha Credit SA, lender, Montagne du Parc 8 box 3, 1000 Brussels – RPM Brussels – VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.