What credits do you have?

How can you find out which loans or credits you have? You will discover this in this article.

A few years ago, the government set up the Central Individual Credit Register. In this way, every consumer can find out which loans or credits he still has. Every lender can and must also consult this register when applying for a home loan or loan.

 

Why do you need to know which loans or credits you still have?

credit loans

The answer to this question is actually very simple. You just have to know which loans or credits you still have when you start looking for a home loan. This is important for the following reasons:

  • You fool yourself if you don’t tell the credit broker or lender which loans or credits you have. You have a better chance of refusing your home loan or loan.
  • The credit broker in mortgage credit therefore knows best in advance how many credits or loans you all have to run. Only in this way can the credit broker work efficiently and guide you in the right direction towards a solution for your home loan or loan.
  • The lender who is going to assess your mortgage loan is also happy to know this about you. It is a sign of confidence if you tell yourself which loans or credits you have in circulation.

How do you find out which loans or credits you have in all?

credit loan

As a consumer you have the right to request a certificate from the Central Individual Credit Register to the National Bank of Belgium.

You have three options to request this:

  • Electronic
  • Via an application by mail
  • At the counters themselves

If you are going to request the certificate from the Central Individual Credit Register by post or at the counter, you must enclose a copy of your identity card (recto-verso). No information is provided by telephone.

Lender also investigates how many credits or loans you have in all

credit loan

Each lender will also consult the Central Individual Credit Register for an application for credit or loan. He is obliged to give you a responsible credit or loan.

All of the foregoing shows that the certificate from the Central Individual Credit Register is therefore a basic document on which your request for a home loan or mortgage loan is based. This stands or falls the approval for your mortgage credit. That is why you know best which loans or credits you have in all.

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