<\/p>\n
To love is to build. It is to move forward together in the same direction. A house, a car or cars<\/a>, home renovations<\/a>, personal loan<\/a> here, a multi-purpose loan<\/a> there, and suddenly you’re both managing a nice little bundle of loans<\/a>. Yet, when everything comes to an end, you still need to honor your joint debts, not to mention that a divorce process can itself be quite costly…<\/p>\n Get through these challenging times with a divorce credit<\/span>!<\/p>\n Note<\/em>: The divorce credit, as the name suggests, helps to cover expenses related to and incurred by a legal separation after marriage. However, it also applies to pure and simple separations where no divorce is involved, given the absence of a previous marriage.<\/p>\n In 2015 alone, no fewer than 24,000 Belgian couples divorced. To this significant number, one must add the separations of unwed couples… While we should celebrate love and continue to believe in it, not all couples can weather the storm…<\/p>\n <\/p>\n <\/p>\n If a wedding requires a certain budget<\/a>, so does a divorce… Depending on whether both parties agree or not, the amounts can vary greatly, from 2,000 to 15,000\u20ac or even more.<\/p>\n Since not everyone has such a sum at hand at any given time, divorce credit becomes a fairly valuable aid.<\/p>\n <\/p>\n <\/p>\n Divorce raises a flood of questions. Do you want to know what will happen to the loans taken jointly after your divorce (or separation)? The same goes for loans made individually? Let’s try to clarify.<\/p>\n <\/p>\n In the case of de facto or legal cohabitation, each partner is responsible for the debts they personally incurred. However, if a loan, whether made by you or not, was taken out to meet the needs of family life, you and your partner become responsible for this debt jointly.<\/p>\n <\/p>\n The legal regime is the default regime unless otherwise stated. It differentiates between communal and personal assets. When divorce occurs, only the communal assets are divided between the two parties. All debts incurred during the marriage are included in communal assets and thus split equally.<\/p>\n <\/p>\n Under the separation of property regime, each party is responsible for their own debts and maintains ownership of their own assets. Unless a loan was signed by both parties, all loans taken by one or the other remain the property of one or the other, regardless of their nature.<\/p>\n <\/p>\n The community property regime provides that all debts incurred before or during the marriage are included in the communal assets and thus shared equitably between the two parties.<\/p>\n <\/p>\n For more information on this subject: www.belgium.be<\/a>.<\/p>\n Does your new situation result in new expenses? Include them in your divorce loan!<\/p>\n <\/p>\n Were you the owner of a house? Decide the future of the property… Do you want to sell it? Keep it? And if so, which of you will remain the owner? Regardless of your decision, a new visit to the notary will be necessary, along with the accompanying fees… Fortunately, the divorce loan can be a great help with this as well.<\/p>\n <\/p>\n Do you wish to take out a divorce loan? Credafin<\/a> advises, guides, and assists you! <\/p>\n \nDivorce: How Much Does It Cost?<\/h2>\n
Loans and Divorce: How Does It Work?<\/h2>\n
\n
You Were De Facto or Legal Cohabitants<\/h4>\n<\/li>\n<\/ul>\n
\n
You Were Married Under the Legal Regime<\/h4>\n<\/li>\n<\/ul>\n
\n
You Were Married Under the Separation of Property Regime<\/h4>\n<\/li>\n<\/ul>\n
\n
You Are Married Under the Community Property Regime<\/h4>\n<\/li>\n<\/ul>\n
Who Keeps the House?<\/h3>\n
The Credafin Divorce Loan<\/h2>\n