The work loan for your home, simulate for free with Across Lender
Do you want to change your roof, renovate your bathroom, install new frames, build an annex, install a veranda, build a pool or just do some work in your home?
At Across Lender, we help you find the best solution thanks to our advisers.
Any owner of real estate will, at some point, want or need to undertake development or renovation work. There can be many reasons: insulating the roof, renovating the bathroom, building an annex, etc.
We offer a fixed rate for your refunds, no surprises.
Also, do not forget that if you undertake work or a renovation with the aim of insulation or saving energy, it will undoubtedly be possible for you, to obtain a premium to the region and / or a deduction tax credit.
This aid is not limited to investments in energy saving. You will find more information on the Wallonia and Wallonia energy websites.
Our work loan, also called renovation loan, will help you make your projects a reality.
Who can apply for a work loan?
You can apply for a work loan, if you:
- Reside in Belgium or Luxembourg;
- Are at least 18 years of age;
- Receive regular income;
- Not on file with the Capital Lender.
Why apply for a work loan?
- Need money quickly;
- A loan to improve your property;
- Freedom on the amount to borrow;
- Choice on the monthly payment (your monthly payments also depend on the amount borrowed);
- No bad surprise thanks to our advice.
The advantages of our Across Lender works loan
- Quick response;
- Fixed and favorable interest rate;
- Choice of amount and duration;
- Identical amount to be reimbursed each month;
- Money in your account quickly;
- Loan without booking fees;
- No notary fees;
- Possibility of tax deduction.
Ready for renovation at the best rate
We work with several banks and are therefore able to provide you with the best solution.
Remember that if you undertake work or a renovation with the aim of insulating or saving energy, you will no doubt be able to obtain a premium from the Walloon region and / or obtain a tax deduction from your credit.
Both the federal government and the various regions offer bonuses and subsidies. These aids are not limited to investments in energy saving, we invite you to visit the websites: Energie Wallonie, Energie Flandre, Energie Bruxelles.
Our Across Lender advisers are at your disposal and advise you for your budget. Apply for your works credit online.
When you want to do renovations without touching your savings, the best solution is to take out a work loan. All formalities and clauses of contracts will be explained to you clearly and distinctly. We will take the time to answer all your questions and any concerns you may have. Throughout the duration of your work loan, we are at your disposal and ensure with you the proper monitoring of the work.
More info on the works loan
What is a work loan?
The “work loan” or “renovation loan” is a consumer loan that allows you to borrow money to finance work in real estate.
How to apply for a work loan?
- Calculate your credit via our simulator;
- Submit your credit application online;
- Across Lender will contact you as soon as possible to finalize your request;
- Sign the loan contract with one of our advisers;
- Have your money directly in your bank account or the contractor’s account;
- Realize your project.
How to apply for a credit?
- Think about the amount you want to borrow;
- Calculate your monthly payments using our simulator;
- Submit your credit application;
- One of our advisers will analyze with you the financial solution that meets your needs;
- Subscribe your renovation loan.
How much does a work loan cost?
The debit interest rate defines the cost of your work credit, but the cost also depends on the amount you borrow and the repayment term you choose for your loan.
What is the Global Annual Effective Rate?
The APR (Annual Effective Annual Rate) is a percentage which represents the total cost of your loan per year. It includes interest and all costs related to a loan. It also includes insurance premiums whose subscription has been required by the lender.
What is the difference between the borrowing rate and the APR?
The borrowing rate is the rate you will find in the loan amortization table. The debit rate is calculated on an actuarial basis and, at the time interval level, on the basis of equal months of 30.4167 days each.
Do I have to take out insurance for the works loan?
You are in no way obliged to take out insurance, but it can however be advised. Because it is wise and important to consider the worst, namely your death, we offer you outstanding balance insurance which will save your loved ones from assuming responsibility for your loan, in case of death before term of the contract.
Can I cancel a work loan?
You have the right to terminate your credit within 14 working days of signing your contract / SECCI.
What is SECCI?
SECCI is a document otherwise known as standardized European information on consumer credit.
Can I prepay my work loan?
You have the right to prepay your credit according to the terms of the contract.
What will happen if I don’t pay back on time?
After three unpaid monthly payments, you will be reported to the Capital Lender. You risk not being able to take out a loan any more because banks or credit organizations are under the obligation to obtain information from it before granting consumer credit.
You can also apply for a mortgage for your home. If your situation does not allow you to apply for a work loan, you can apply for a personal loan or installment loan.
Simulate your credit online without proof via our request forms above.