You need to know this before you borrow for a home

Everyone sometimes dreams of it: their own house. But when the time comes, you must first go to the banks to take out a loan. Because almost everyone has to borrow an amount to buy a house or a piece of land. But how do you look for the best loan for your financial situation?



Before you visit all possible banks, it is best to make the calculation exercise yourself. Add up all your and your partner’s income together to find out how much money “comes in” each month. Then also calculate how much of your own income or your joint income you want to spend on a loan and therefore also on the monthly payment of the loan. Online you will find useful simulation tools with which you can quickly calculate how much you can borrow and how long you can do this. If you also take your savings into account, you immediately know how you are financially and whether you should borrow everything for the purchase of a house, or just a part.



Suppose you are told at all different banks that you cannot get a loan or that you still have to borrow 100%, because you simply cannot do otherwise, you can still go for a social loan. This is a credit with an interest rate of up to 2 percent, calculated according to the size of your family. Of course, in order to take out a social credit, you must meet a number of conditions. For example, your income must remain within certain limits and the house you will buy may not be too big. All conditions for a social credit can be easily found online.



If you are really actively looking for a home, it can be useful to visit some banks in advance to see if you could get a loan and under what conditions this will be. Suppose you suddenly found a house before, but you are not yet sure whether the bank will grant the loan, you can still include a suspensive condition in the compromise. For example, as a buyer of the house you are not tied to the purchase of the house in case the loan does not go through.

Difference between debit and credit cards

A debit card? It is not the same as a credit card. For starters, your credit card is distinguished by its relief printing. It also differs from that of a debit card. We have summarized the differences for you.

The unique features of your credit card

The unique features of your credit card

  • Your expenses are not debited from your account directly.
    • Either you pay the full amount of your purchases at once every month.
    • Either you spread this amount over several months.
  • You can withdraw money and pay anywhere in the world. Most banks block their use in the United States. Learn how to activate your credit card for the United States.
  • Withdrawing money with your credit card costs money. Including in Belgium.
    Only large withdrawals outside Europe are cheaper than with your debit card.
  • You agree with your bank on the limit of your monthly expenses.
    This monthly limit depends on your financial means.
  • Depending on the credit card you choose, you get additional benefits and are insured for free. For example, you are covered against damage and theft of your purchases, or benefit from trip cancellation insurance.

Debit or credit?

Advice for use abroad: credit card companies also issue payment cards – debit cards. But since there are also Visa and Mastercard debit cards, some countries (like the United States) may ask you the question “Debit or credit?” when you pay with your credit card. In reality, they want to know if you are paying with a credit card or with a debit card. Always answer “credit”.

Credit Card Comparison Credit Card Comparison Compare our credit cards and choose the one that works best for you.

The unique features of your debit card

The unique features of your debit card

  • Your expenses are debited from your account directly.
  • Your card is linked to one of your current accounts.
  • By default, you can only pay and withdraw money in Europe.
    Look for the Bancontact or Maestro logo.
    Do you want to be able to pay anywhere in the world? Find out how.
  • Withdrawing money from a ATM is cheaper, in Belgium and in the rest of Europe, with a debit card than with a credit card. We also recommend that you use your debit card for small withdrawals in other countries.
  • You can personalize your card by printing a nice photo on it.

Request a debit card Request a debit card

  • Online payments, anywhere in the world and without contact
  • Personalize your debit card with a photo
  • Apply for a new debit card online

Is this page useful for you? alert-func-check Yes No

Works loan simulation: renovation credit simulator

If you wish to carry out renovations or transformations in your home, we advise you to carry out a ready – made work simulation. The simulator above gives you the possibility of carrying out any type of credit simulation in order to take out a renovation credit. In addition, the rate is identical whatever the duration and the amount you wish to borrow.

Work loan simulation: instructions for use

Work loan simulation: instructions for use

As with all simulators on our website, the process remains the same.

  1. Use the slider to choose the amount you want to borrow
  2. Choose the duration and the monthly payment by clicking on the thumbnail that interests you
  3. The result of your work loan simulation is displayed
  4. Submit your loan application online

Reminder on the renovation loan

Reminder on the renovation loan

The renovation credit has several advantages, here is a brief reminder of these:

  • A cost known in advance thanks to a ready-to-measure work simulation that conforms to reality
  • No mortgage registration, therefore no deed fees, no registration fees, no notary fees, etc.
  • Availability of funds within 48 hours after signing the credit contract
  • No tranche release, we pay the full amount to your account (excluding life insurance premium)
  • No expertise before and after work

Renovation credit: compulsory documents

Renovation credit: compulsory documents

During our meeting, we will need the following items (only for signing your credit contract):

  • Front/back copy of identity cards
  • Last 3 original pay slips
  • 3 last bank extracts proving the income on the different salary slips (if deposit, the extract of the deposit is also required)
  • All other proof of income mentioned in the request
  • Quote

Work loan simulation: tax information

Work loan simulation: tax information

Before, it was advisable to take out a new mortgage loan when you intended to carry out work in your home. The mortgage loan was the ideal solution in order to be able to continue to benefit from a tax reduction. Since January 1, 2016, for all owners being free of charges, it is formally advised, in the Walloon Region, to take out a new mortgage loan for the performance of renovation works. Why do you wonder? Simply because the housing bonus has disappeared in Wallonia! We invite you to read this article to find out more about this because the situation is different in the Flemish Region and in the Brussels-Capital Region: mortgage loans: housing bonus.

In the Walloon Region, if the renovation loan is not contracted at the same time as the purchase of a house, it is no longer tax-deductible.

If you still have a mortgage outstanding, we can consider buying your mortgage.

Work loan simulation: important information

Work loan simulation: important information

You can also finance your work via a credit consolidation (solution to consider only if you already have several credits in progress and if adding a new loan is impossible)

How to choose a loan?

In front of a whole panoply of online loan offers made by various credit institutions and banks, it is difficult to find and decide. Consumers get lost and cannot decide for themselves the offer that could suit them. Fortunately, the existence of several online tools has changed the situation. Examples are online loan simulators and online credit comparators. These tools allow you to optimize your choice. They are now available on several web platforms such as

An online loan with or without proof?

An online loan with or without proof?

Although they can both be processed online, these two credits have significant differences. Indeed, as their names indicate, the dissimilarity is at the level of the documents to be supplied when the request is made. These are supporting documents for the use of the requested amount.

In the first case, the creditor demands them. The latter then wants to know the nature of the loan request online. Based on this information, the financial organization defines the type of credit it must grant to the applicant: car loan for the purchase of a car, work credit for everything relating to real estate, personal loan or credit consumption for daily needs, etc.

In the second case, no documentary evidence of the use of the loan is requested. The consumer is then free to use the amount he sees as he sees fit. He can carry out any type of project that is close to his heart: buying a property, repairing his home, meeting everyday needs, travel, etc.

The advantages of online loan with proof compared to without proof

The advantages of online loan with proof compared to without proof

If these two forms of loan are different, it is because necessarily one has the advantage over the other. Indeed, for everything concerning miscellaneous costs and interest amounts, it is better to choose the loan with proof. By informing the destination of the loan to his creditor, the borrower provides him with some sort of guarantee. Thus, in the event of a reimbursement problem, the car or the property could be confiscated. For a loan without proof, the creditor has no way out of this information. He will then be content with a legal proceeding which could be long to obtain his reimbursement. This is why the value of an online credit without proof is greater than that of a loan with proof.

In all cases, consumers are always invited to make an online comparison or simulation to better determine the offer that suits them best. It is an easy operation. Users do not need to disclose too personal information, but only basic data that would allow the devices to make calculations and direct them to the offers that give them advantages. In addition, the tools intended for this purpose are easy to access. Several websites like offer them. They are usually free and without obligation. You don’t need to create an account to access it.

3 types of fast and reliable loans for individuals

Currently, many individuals use bank loans. Indeed, this kind of financing solution is practical for carrying out a special project. Do you dream of a new computer? A washing machine? A car? To achieve one of these objectives, resorting to a financial loan is ideal. This is a great way to get the important funds to fulfill your wildest desires. Moreover, banks and institutions authorized to borrow money currently offer various attractive offers. But which loan is faster and more reliable for individuals? Details!

1.Quick consumption ready and without proof

1.Quick consumption ready and without proof

Consumer credit for individuals is a loan offer allowing the purchase of products or services. Besides, it makes it possible to obtain a large sum of money which reaches 75,000 euros. In addition, this type of loan is very quick and easy to take out. Indeed, it does not ask for supporting documents or complicated procedures. Just as any individual can subscribe to this offer. However, being of legal age is essential in your profile. To get a consumer loan, just do an online search. Moreover, the procedures for applying for consumer credit are currently facilitated by the internet. Just in a few clicks on an online loan simulator like, you can find the best deal on the market. Indeed, by going through this digital tool, you get a loan with an advantageous rate. But not only that, the other conditions of your future consumer loan will be very flexible.

2.Real estate credit for individuals

2.Real estate credit for individuals

The mortgage is currently available with simple and immediate terms. Indeed, thanks to the new current offers, many individuals subscribe to its subscription. But which offer to choose among these proposals? To find the best mortgage loan at the best rate, going through a comparator is recommended. Indeed, this online device greatly facilitates the research and the application for a loan for an individual. You get a quick response within 48 hours maximum. In addition, a repayment period spanning thirty years is also available with this loan.

3.Easy and immediate credit purchase

Difficulty repaying your financial loan? The ideal solution remains the repurchase of credit. This is a financial loan proposal for individuals in an insolvency situation. Indeed, borrowers who find it difficult to pay the monthly payments of their loan can use this offer. In fact, buying back credit is one of the different types of loans for individuals today. With this form of loan, you can successfully pay off your old bank credit. But not only, you will also have the opportunity to take advantage of new reimbursement conditions. In fact, you have to repay the loan repurchase with a new, much lighter monthly payment. You also have the option of staying on the same amount as the old credit, but with a much lower interest rate.


Borrow money I Also from private I Receive immediately within 24 hours

Borrow money – apply quickly and receive it immediately

Borrow money - apply quickly and receive it immediately

Borrowing money is the solution if your own savings are not quite sufficient or if you have to bridge the time until your next salary.

Sometimes investments have to be made immediately, which can not be long in coming.

Depending on the situation and the reason for borrowing, there are different ways to borrow money.

These include numerous different types of credit with or without Credit Bureau and the option to borrow money from private individuals.

Whether a loan with or without a bank, the most important thing is to get the money into the account quickly and immediately: best today.

Those who want to borrow money at short notice are often faced with many questions: What options are available to me and which option is the right one for me? Who can lend me money at short notice? How can I borrow money as quickly as possible?

Find out which type of money best suits your situation!

Fine bank helps to choose the right option and without having to apply a lot of paperwork.

Our service is 100% online and free of charge.

Borrowing money at short notice – what options are available?

Borrowing money at short notice - what options are available?

In some situations, equity is insufficient to make important investments. This can be a long-planned purchase or an urgent payment.

In these cases, you usually resort to borrowing money.

Generally speaking, there is the possibility to use a bank or to lend money privately and therefore without a bank.

Depending on the situation, different factors are usually decisive in choosing the type of loan.

In some cases it is particularly important that it is possible to borrow money immediately and with immediate payment, sometimes it is the terms or the required evidence that have top priority.

Therefore, there are numerous different ways to borrow money depending on the needs of the borrower.

These include:

  1. Instant Payout Options
  2. Possibilities to borrow money from a private person without a bank
  3. Offers without Credit Bureau and proof of income

The general rule is that an immediate disbursement is possible on the same day, especially for small loan amounts.

Borrow money securely and quickly from Fine bank

Borrow money securely and quickly from Fine bank

The search for serious, affordable ways to borrow money online is not always easy due to the large range.

Therefore it makes sense to compare offers on Fine bank and to get a good overview of the market. This way you can find and apply for the best option without spending a lot of time.

Fine bank lists numerous credit options from different providers and offers filters to make the comparison easier.

Fine bank not only helps in Germany, but also in ten other countries such as Denmark, Sweden, Norway and Spain to lend customers money and find the right offer.

On Fine bank you can filter the most important factors for you when searching for the right offer.

In this way, you can search for specific amounts, loans with fast payout times or options that are free of Credit Bureau.

Thus, the credit comparison at Fine bank helps to save valuable time when borrowing money. In addition, all offers listed on Fine bank are serious and without hidden costs and can be concluded online without paperwork.

How does money borrow from private?

How does money borrow from private?

Even if the term borrowing money is also used when borrowing from banks, the term borrowing or borrowing money is often immediately associated with borrowing money from private individuals.

Such an option is particularly useful if you are looking for an uncomplicated loan.

Loans from personal and personal loans are often used identically. The difference, however, is that in the latter the borrower is a private individual, while in the former the lender is the private individual.

Such a loan is granted to the borrower by private individuals and works in principle like a regular bank loan.

The borrower submits a loan application that includes some evidence and, after approval, receives the loan amount on his account.

In summary, borrowing money from a private person is as follows:

  1. Identification (via postident procedure or video identification)
  2. Verification of identity and creditworthiness by the credit platform
  3. Online placement of the loan application (including information on the income situation and the intended purpose)
  4. The borrower sets the interest rate
  5. Disbursement of the loan

In contrast to a bank loan, the details and creditworthiness of the lender are often checked by the credit platform when borrowing money from private individuals.

Borrow money privately – still in your account today?

Borrow money privately - still in your account today?

Often there is a desire to get the borrowed money into the account quickly or, if possible, on the same day.

There are providers who also enable lightning loans and loans with faster payouts from private individuals.

However, when borrowing money privately, the applicant submits a loan application online, which a lender then responds to. Depending on the platform and how attractive the loan application is, it can go very quickly or take a few days.

In order to find a lender as quickly as possible, it is important to call up a realistic interest rate.

Therefore, an immediate payment and thus a receipt of money on the same day can often not be guaranteed.

Can a provider pay out money today?

Can a provider pay out money today?

If you would like to receive the same day, there are some types of credit that will enable you to pay out quickly.

A short disbursement time can be obtained without any problems, especially with smaller loan amounts.

There are also some types of credit that are designed to enable quick payouts. These include, for example, instant payments, instant loans and lightning credits.

In order to enable a quick payment on the same day if possible, it makes sense to have all required documents ready.

Then the loan application can be processed online within a few minutes without any problems. The borrowed money is usually still available on the same or the next day.

Can I borrow money with immediate payment even without Credit Bureau?

Can I borrow money with immediate payment even without Credit Bureau?

If urgent payments are due, but the creditworthiness is only moderate, there is a desire for many to borrow money without Credit Bureau but with an immediate payment.

Lending money without Credit Bureau usually takes a little more time. Having the money in the account on the same day is therefore unrealistic without a Credit Bureau query.

Lending money without Credit Bureau is only possible with foreign banks, since German law does not allow loans without information.

For whom a quick payout is essential, it can be worthwhile to borrow money with Credit Bureau query despite the difficult Credit Bureau Score.

Because, unlike options without Credit Bureau, a quick payout despite Credit Bureau is often quite possible.

A Credit Bureau query is often more feared than necessary and does not necessarily stand in the way of borrowing.

Borrow money despite Credit Bureau or without Credit Bureau and proof of income

Borrow money despite Credit Bureau or without Credit Bureau and proof of income

If the creditworthiness is not too good, there is often a desire to provide as little evidence as possible.

Therefore, many are looking for ways to borrow money without Credit Bureau and often without proof of income.

However, this is usually not possible. If money is lent without Credit Bureau query, the income check serves as an alternative safeguard and vice versa.

With providers who offer offers without Credit Bureau and without proof of income, caution is advised. In most cases, such loans are dubious.

However, a moderate credit rating does not always mean that it is impossible to take out a loan – even with a Credit Bureau query.

Therefore, before lending money without considering Credit Bureau, you should always try to borrow money despite Credit Bureau.

This is often easier to implement than expected and saves money and additional effort. A Credit Bureau self-assessment can help to find out more about your own Credit Bureau Score.

If lending money is not successful without Credit Bureau, you can still use Credit Bureau-free options.

Borrow money immediately without Credit Bureau information and without creditworthiness

Borrow money immediately without Credit Bureau information and without creditworthiness

If there are concerns about the Credit Bureau Score, borrowers often want to bypass Credit Bureau information or even get a loan with no credit rating.

If there is no credit rating, borrowing is not possible. If the creditworthiness is not good, borrowing options without money can be an option.

However, borrowing should be very carefully considered, especially if the creditworthiness is difficult.

In such cases, banks refuse to pay money for good reason. This is also intended to protect the applicant from over-indebtedness.

It can therefore often make sense to refrain from borrowing and to implement the project if the financial situation has improved somewhat.

Borrow money from private individuals – liquid until the next salary

Borrow money from private individuals - liquid until the next salary

Advantages of a personal loan:

  • Approval is also possible with a poor credit rating
  • Freelancers and the self-employed can get good credit in this way
  • Repayment can be customized
  • Greater flexibility than with regular bank loans


  • Interest rates are often slightly higher
  • Fast payout times are often not guaranteed
  • In addition to interest, agency fees may apply

When borrowing money from private individuals, several factors are in the hands of the borrower. Both the interest rate and the scope of information on your own financial situation are largely determined by the borrower.

This can lead to inaccurate information and very low interest rates.

In order to successfully borrow money from a private individual, it is essential to make the information about the income situation and the project as precise as possible.

The same applies to interest: If you want to have a good chance of borrowing money, you should choose a realistic interest rate.

Borrow money quickly: online and without paperwork

Borrow money quickly: online and without paperwork

The possibilities to borrow money online have become more and more diverse and therefore more popular over the years.

There is a good reason for this:

Applying for loans online makes it easy to borrow money without a lot of paperwork.

Even if evidence is of course also required when applying for a loan online, processing is generally much easier than with a regular bank loan.

Therefore, online loans can be applied for and approved particularly quickly.

With an online loan application, the required documents are simply uploaded and checked in the shortest possible time.

Required evidence usually includes:

  • Proof of identity
  • Copy of the employment contract
  • Payroll for the past few months
  • Account statements from the past few weeks
  • Proof of creditworthiness

You can get information about a permit or a rejection for smaller sums within a few minutes.

Who can lend me money – get credit despite a negative Credit Bureau

Who can lend me money - get credit despite a negative Credit Bureau

When there is a shortage of money and a poor credit rating, the question often arises: Who can lend me money?

When borrowing money cannot be avoided and asking friends and family is not an option, many start to worry.

However, despite negative Credit Bureau it is often possible to get a loan. With small loan amounts, a negative Credit Bureau entry does not necessarily lead to a rejection.

The main reasons for this are:

  1. Worries about Credit Bureau are often unfounded: Your own Credit Bureau Score is often better than expected
  2. Many Credit Bureau entries are out of date and can be corrected

If it is not possible to borrow money in this way, options without a Credit Bureau query can offer a way out.

However, there is an urgent need to check whether it is really necessary to take out a loan and that it does not cause the borrower serious financial difficulties.

A credit check not only serves the lender as security about the financial situation of the applicant, but also gives the applicant a sense of which loan can be realistically managed for his own situation.

If possible, the better option is usually to wait until the credit rating has recovered somewhat and then borrow money.

Is it also possible for the unemployed to borrow money?

Is it also possible for the unemployed to borrow money?

For a long time it was difficult or even impossible to borrow money without employment and income. That has now changed.

Some providers offer loans that are also available for unemployed and Hartz 4 recipients. The project to lend money is quite difficult without any income.

These measures can increase the chances of getting a loan :

  • Choose an appropriate term – shorter terms mean lower costs
  • Rethink the loan amount and reduce it if necessary
  • Seek guarantor as security
  • Basic conditions such as a German bank account and a place of residence in Germany

As with many other loans that are given to people with difficult credit ratings, one should also be careful when borrowing money for the unemployed. There are reputable offers, but there are also many less trustworthy lenders.

Borrowing money – example

Borrowing money - example

Loan amount $ 12,500
running time 84 months
Eff. interest 10.90%
Borrowing rate 10.39%
Total amount $ 17,644

Does borrowing money from private means borrowing money without a bank?

Does borrowing money from private means borrowing money without a bank?

Even if the borrowed money comes from private individuals, the common term “credit without a bank” applies only to a limited extent.

Credit platforms generally work with so-called service banks, which give the money, even if it originally came from private individuals.

The service bank serves as an intermediary, as the granting of loans in Germany has to be carried out by a licensed bank.

However, the borrowed money naturally comes exclusively from private individuals and is not a classic bank loan.

Credit litigation: towards which financing solution?

Payment defaults, illegal interest rates, unfair terms … so many reasons that you will need to have a lawyer in case of litigation with the bank. Any problem that the bank causes you or vice versa can be designated as litigation. What are the weapons at your disposal to react to a credit litigation?

What are my recourse in the event of credit disputes?

What are my recourse in the event of credit disputes?

If you have trouble paying your monthly payments, you can negotiate a payment term with your bank. If your repayment problem is one-off, you can send your bank an overdraft in writing. Indeed, you may have a regular income, but for some reason you were unable to access it on the scheduled date. In this case, the delay will be at most a few days. A word of advice: never take out another loan if you cannot settle your arrears.

If the difficulties are persistent because of a radical change in professional life (unemployment, demotion of post…) it is necessary to consider more radical measures. You can for example ask your bank for a rescheduling of the loan period over a longer period. In this case the monthly payment that you will pay will be more affordable which will allow you to rebalance your finances. If you reach an agreement with the financial institution, you will be given a new contract with the new terms.

A disputed credit can be settled in different ways. If you see that the discussion with your banker will end in failure or following a systematic refusal of your request, consider sending your settlement proposal by registered letter (with acknowledgment of receipt) to management of the agency. To give more weight to your advocacy, do not hesitate to put a copy of the letter at the head office of your brand.

What if the bank refuses the amicable solution you offer?

What if the bank refuses the amicable solution you offer?

If the bank refuses, you can refer the matter to the magistrate. In fact, articles L314-20 of the consumer code and 1343-5 of the Civil Code authorize you to ask the governing body for a grace period. This time limit that you request can reach two years.

But it will depend greatly on your situation, regardless of the type of credit you have taken out. It is also possible that the judge may order during this grace period that the sums due be increased by interest. But beware, if it turns out that your situation is the result of poor management on your part, the use of a magistrate will not help you.

If your financial health is seriously degraded, a longer payment period may not get you out of your situation. As a last resort, you can therefore apply to an over-indebtedness committee. If you are a reliable customer and you manage to prove your good faith, this institution can help you to start negotiations with your bank and will suggest the establishment of a repayment plan.

Small credit: how to get it quickly?

You may be in a slightly complicated situation or you may just need a little money to cover some needs. Faced with this situation, you will have to look for a way to have the determined amount. There are many alternatives available to you! Details right away!

Recourse to relatives

Recourse to relatives

The only quickest way and above all that does not create much constraint is to borrow from your loved ones. Contact them and explain your needs and expectations to them so that they can deduce from the situation. If you’re lucky, one of them may be reaching out to you. Otherwise, you will be required to use another option, including requesting a small quick loan from a financial institution.

Simulation of a small credit request with several financial organizations

Simulation of a small credit request with several financial organizations

This form of borrowing requires you to prepare an application package. A credit contract will therefore commit you to a repayment on a fixed term. Before sending your application file to a financial institution, you can carry out a simulation. Thus, you will be able to compare various offers from different conventional banks or online banks. You will also see that the market rates are not at all the same. When you simulate a small loan, you will have to choose the type of loan you need. This can relate to cash flow needs, rehabilitation works, the purchase of new or used cars and others. You will then indicate the amount of your loan. When it comes to a small loan, the ideal is not to exceed 3000 dollars. You will also be asked for more details before having an answer to your simulation.

Time to obtain a small loan

Time to obtain a small loan

When the amount of the credit is below 200 dollars, the individual can obtain it within 24 hours to 48 hours. This is valid if the request file is complete and the profile is validated. However, it should be noted that microcredit requires certain management fees as well as a high rate.

For a small credit of an amount of more than 200 dollars and less than 3000 dollars, the obtaining period goes from eight days. The processing of the applicant’s file is carried out throughout this deadline. Then he will get a response from the bank followed by all the details namely, the contract to be signed, etc.

Tip to speed up the application for small credit

Tip to speed up the application for small credit

Finding an organization using a credit comparator helps speed up demand. The applicant must also have a digital version of all these application documents. Thus, the passage of the file will be from e-mail to e-mail without moving. A financial institution that accepts electronic signatures is also ideal for making the request directly online. The important thing is therefore to limit any loss of time linked to traveling to the head office of the lending bank.