{"id":6803,"date":"2026-04-10T10:23:19","date_gmt":"2026-04-10T09:23:19","guid":{"rendered":"https:\/\/www.credafin.be\/borrow\/fighting-over-indebtedness"},"modified":"2026-04-10T10:23:19","modified_gmt":"2026-04-10T09:23:19","slug":"fighting-over-indebtedness","status":"publish","type":"post","link":"https:\/\/www.credafin.be\/en\/borrow\/fighting-over-indebtedness","title":{"rendered":"Fighting Over-indebtedness"},"content":{"rendered":"<p style=\"text-align: justify\"><strong>Are Belgians heavy borrowers? What is the total number of consumer credits currently active in our flat country? What about mortgage credits? What is the percentage of defaulted credits? Let&#8217;s learn more about the position of Belgians in terms of credit!<\/strong><\/p>\n<p><!--more--><\/p>\n<h2 style=\"text-align: justify\">The NBB: A Wealth of Information<\/h2>\n<p style=\"text-align: justify\">The <a target=\"_blank\" href=\"https:\/\/www.nbb.be\/fr\" rel=\"noopener\">National Bank of Belgium<\/a> (NBB) has been the central bank of the country since 1850. In addition to issuing our coins and banknotes, it also carries out, among other things, a financial supervisory mission.<\/p>\n<p style=\"text-align: justify\">Occasionally, it reports a number of credit statistics thanks to the data that must be recorded in what is called the Central Office. Let&#8217;s take a closer look at the latest statistics in the following lines.<\/p>\n<h3>Get Informed Before Taking Out a Loan!<\/h3>\n<h2 style=\"text-align: justify\">Mortgage Credit and <a href=\"https:\/\/www.credafin.be\/en\/personal-loan\">Consumer Credit<\/a>: The Numbers<\/h2>\n<p style=\"text-align: justify\">The NBB tells us that the number of consumer credits amounted to 8,337,245 at the end of September 2017. As a reminder, Belgium has about 11,323,000 inhabitants, of which 9,028,000 are over 18 years old and therefore able to take out a credit.<\/p>\n<p style=\"text-align: justify\">The number of mortgage credits was 3,052,441 in September 2017, compared to 2,949,544 in the same period the previous year. While the figure remains impressive, it is worth noting a decrease of 3.5% in this area.<\/p>\n<p style=\"text-align: justify\">Of these 11,273,012 currently open credits, 4.8% are considered &#8220;defaulted&#8221;, which corresponds to 541,105 defaulted contracts. By &#8220;defaulted&#8221;, the NBB means credits for which payment delays have not been regularized. Furthermore, it is noted that consumer credits are more affected by these defaults (6.2%) than mortgage credits (1.1%).<\/p>\n<p style=\"text-align: justify\">In total, the cost of these unfulfilled credits amounts to over 3 million euros, with an average credit amount of 5,540\u20ac!<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: justify\">Credit Consolidation to Combat Over-indebtedness<\/h2>\n<p style=\"text-align: justify\">It is not uncommon for a household or an individual to no longer be able to settle their debts. However, there is a solution to this problem: <a target=\"_blank\" href=\"https:\/\/www.credafin.be\/en\/debt-consolidation\" rel=\"noopener\">credit consolidation<\/a>.<\/p>\n<p style=\"text-align: justify\">By opting for credit consolidation, all credits are merged into a single debt, distributed over several smaller monthly payments over an extended period. This can ease the burden on your budget!<\/p>\n<p style=\"text-align: justify\">For more information on credit consolidation, <a target=\"_blank\" href=\"https:\/\/www.credafin.be\/en\/contact-us\" rel=\"noopener\"> contact Credafin<\/a>!<\/p>\n<p><span style=\"text-decoration: underline\">Source<\/span>: <a target=\"_blank\" href=\"https:\/\/www.nbb.be\/doc\/cr\/ccp\/publications\/kerncijfers_ckp_fr.pdf\" rel=\"noopener\">NBB<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to combat over-indebtedness and regain control over your finances. Click to act now!<\/p>\n","protected":false},"author":22,"featured_media":4507,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"over-indebtedness","_yoast_wpseo_title":"Fighting Over-indebtedness | Credafin","_yoast_wpseo_metadesc":"Master the fight against over-indebtedness. Discover practical tips and solutions now\u2014click for a better financial future!","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"https:\/\/www.credafin.be\/en\/borrow\/fighting-over-indebtedness","_yoast_wpseo_focuskw_text":"over-indebtedness","_yoast_wpseo_schema":"Article","footnotes":""},"categories":[68],"tags":[],"class_list":["post-6803","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borrow"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fighting Over-indebtedness | Credafin<\/title>\n<meta name=\"description\" content=\"Master the fight against over-indebtedness. 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