For each loan application, Creafin has the obligation to assess whether the potential borrower will reasonably be able to repay the requested loan. This means that a loan is not only based on the collateral position, but also on the repayment capacity of the client.
For loan applications with negative C.K.P. notifications, special attention will be paid to the normalisation of the client’s situation.
For loan applications with a partial Bullet repayment, a written statement from the client will be requested regarding the manner in which the borrowed capital will be repaid at the maturity date.
Creafin will always ensure that the proposed loan is the most suitable loan for the borrower.
Investment loans:
Portfolio concerns an investment loan with mortgage collateral.
For (partial) Bullet repayment solutions: Creafin asks the borrower for a written confirmation of the intended repayment of the loan at the end of the term. Creafin will verify whether this is realistic.
Exclusively for professional real estate investors who are able to properly assess the possibilities and risks.
Your clients are advised to consult experts in the fields of taxation, succession, etc.
The investment loan does not fall under the regulations of Book VII of the Code of Economic Law. It does fall under the law on SME financing of 21 December 2013, supplemented by a code of conduct signed by Febelfin and the inter-professional organisations (UCM, UNIZO, NSZ).
Creafin will always ensure that the proposed loan is the most suitable loan for the borrower, taking into account their financial situation and the purpose of the loan.
