Fully accepted credit offer
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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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?
Bank instructions and repayment statements
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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Deed of ownership or sales agreement
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 guarantees
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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Marriage contract and representation documents
Provide the full text and any amendments. Look in your deed folder or Mijn akten. Not everything is digitally available; if necessary, indicate which office drafted the deed.
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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
This overview will not be sent. Bring it with you to your appointment or discuss it at your first contact.
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You provide your documents through the channel agreed with the office. No documents are uploaded or choices sent on this page.
More explanation: How do I buy or sell a house?.
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"Whenever a compliment carries a hidden price tag, it deserves extra attention."
Your questions, step by step
A loan is a long-term commitment. We go over the arrangements with you so that you understand what you are signing.
Why do I go to the notaire for this?
The bank decides on your credit. The notaire fixes the mortgage and explains to what you and any other owners commit yourselves.
How do I arrange the loan for my home?
Compare loan offers and discuss your affordability with the bank.
Provide the complete offer and have the bank send its instructions.
Discuss settlement, guarantees and draft before the credit deed.
How does this proceed and how long does it take?
The validity date of the bank offer and the date of the purchase deed partly determine the schedule. Report an expiry date immediately.
A loan application is not yet an approved loan.
Which documents should I provide to the notaire?
What does the notaire do and investigate?
- Which bank instructions and guarantees apply?
- Who is authorised to sign and who commits to what?
- Which existing mortgage rights have priority?
- Are settlement, bank offer and alignment with the purchase correct?
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 amount, interest rate, term, monthly payment, early repayment and which debts the guarantee covers. Ask if you are also liable for someone else’s debts.
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?
Check repayments and agreed insurances. In case of refinancing or sale, have existing guarantees and any cancellation reviewed again.
Which practical tips can help me?
Compare offers for the same amount and term, including insurances and additional conditions.
What do these words mean?
- Mortgage
- a security on real estate for a creditor.
- APR
- the annual percentage rate that combines certain credit costs.
- Guarantor
- a person who commits for someone else’s debt.
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.