Credit offer with conditions
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YOUR PREPARATION · REAL ESTATE
Specific documents for your meeting. Indicate what is ready, where you need help, and what is not applicable.
Prepare what you already have. A missing document is no reason to postpone your first appointment. We will discuss what we can obtain for you.
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Which documents should I provide?
Draft or instructions from the bank
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Deed of ownership
Search in your deed folder, Izimi or Mijn akten. Cannot find the deed? Provide the address, estimated date and possibly the previous notarial office; we will see how to request a copy.
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Existing credit deeds and mortgage mandates
Request the document from your bank or download it from your own online banking environment. State the date and file reference. Provide statements, never passwords or access codes.
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What do we record?
We examine the documents and legal implications. You do not need to work out the arrangement yourself beforehand. We will agree on which missing documents we can request.
A check mark means you have prepared this item. It does not mean that the office has already checked the documents or that your file is complete.
You want to review this together
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More explanation: How do I buy or sell a house?.
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"Real freedom is only freedom when an unwanted decision remains possible."
Your questions, step by step
A mortgage mandate sounds technical. We explain in plain language what you allow the bank to do and what that may mean later.
Why do I go to the notaire for this?
You grant the possibility to establish a mortgage later. The civil-law notary explains when the bank may exercise that option and which assets or debts are involved.
What does a mortgage mandate mean for me?
Have the bank provide the proposal and all conditions.
Discuss who signs, which assets are involved and which debts are covered.
Only sign once the difference with an immediate mortgage is clear.
How does this proceed and how long does it take?
The bank's instructions and validity of the credit offer determine the preparation. Conversion later can incur additional costs; ask when that is possible according to your agreement.
Which documents should I provide to the notaire?
What does the notaire do and investigate?
- Who may give the mandate?
- To which assets and debts does the text apply?
- What other securities exist?
- When can the mandate be used and what are the consequences?
We agree on which searches the office will conduct and which information you, your bank or another expert will provide.
What should I pay attention to before I sign?
Check if the text covers only this loan or also other obligations. Ask who bears later costs.
Is a passage still unclear? Feel free to ask for an explanation with an example from your own situation. Only sign when you understand what you are agreeing to.
What else must I arrange afterwards?
Keep the deed with your credit documents. Discuss consequences upon a new loan, sale or change of banking relationship.
Which practical tips can help me?
A lower cost at the start does not mean that mortgage costs may never follow later.
What do these words mean?
- Mortgage power of attorney
- permission to establish a mortgage later under the agreed conditions.
- Registration
- the formal recording of the mortgage.
Where can I find more explanation or help?
You do not have to phrase your question in legal terms. Tell what concerns you, what you want to arrange and if an important date is approaching.
We will look together at the next step. We agree in advance on how the office will assist you and what costs are involved.
Ask your question to the officeMake an AppointmentHow do I buy or sell a house?General explanation for your preparation. The rules and documents that apply to you are determined based on your file.