Become an owner
today.

The new way to buy your dream home

  • No down payment needed

  • No lengthy credit application

QUALIFY FOR 0CREDIT
< 5 min - Non binding

The easiest and fastest way
to buy your dream home..
The easiest and fastest way to buy your dream home..

ONE, TWO, THREE, 0CREDIT

1

We make the down payment

Qualify for 0Credit and choose your dream home. If it falls into your price range, we’ll buy it with and for you.

2

You build ownership

Your monthly installments are likes rents with benefits. They'll gradually ramp you up into the ownership of the house you live in.

3

Buy when you're ready

Between 3 and 5 years, you’ll be able to to buy our shares back and become the sole owner. 0credit helps you in the transition.

0CREDIT PRICING

What if your rent
could buy you a house!

Did you had
What's your target price ?
Slide it.

YOUR DREAM HOME'S VALUE

€ 350 000
min. € 100K
max. € 1.5M

Set up fee

€ 5.000

One-time fee to pay, right before acquiring your property. It covers our hard work and operational cost.

Monthly payment

€ 1.469

UnLike rents, they let you progressively acquire your property and they remain fixed during the whole period (up to 3 to 5 years).

Purchase percentage

20,00%

Owned in avrg. after 5 years due to your installments, helping you shift to a more classic financing option.

*Disclaimer: This is just an estimation.
The costs displayed depend on each individual and can vary up or down depending on a number of criteria.
Want to know your cost precisely? Qualify to 0credit.

A perfect relationship.
Rents with benefits...

About 0credit

0credit simplifies the access to home ownership by letting people purchase a house with no down payment and without going through a lengthy and intrusive credit application.

How we do it is simple. We buy the house or the apartment you want, taking care of the down payment. You make a monthly payment which lets you progressively acquire the home you live in. That is why we call it rent with benefits…

At 0credit we like to say that we turn your rents into ownership and that we are working hard to solve an issue faced by millions of Europeans for which the access to ownership is not a question of solvability but one of equity.

Find your happy place to live in and...

Simple, cheap, fast and transparent.
Still wondering if you should go for it?

LET’S COMPARE 0CREDIT

HOME VALUE
350.000€
DOWN PAYMENT
70.000€
Uncertainty with rates
LENGTHY CREDIT APPLICATION
DOWN PAYMENT
0.00€
FIXED MONTHLY INSTALLMENT
FULLY BUY WHEN READY

You deserve clear answers.

  • What is 0credit?

    In a few words, 0credit lets you purchase a house through monthly instalment with no down payment and without going through lengthy and intrusive credit application. At 0credit we like to say that you turn your rents into ownership, as the monthly instalment you pay lets you gradually become an owner of the house you live in. We’ll let you do that until your instalments represent a sufficient portion of the requested down payment to fully purchase your home which generally takes up from 3 to 5 years. It is during this period that you will be able to activate your option to fully buy the home and fly from your own wings or stay in the house and continue under a classic rental scheme. In the meantime you are free to leave anytime or make refurbishment in the house if you think it will increase its value. That is the specificity of our service you are free as tenants but you have the status of a true home owner how great is that ?

  • Where is 0credit available?

    0credit is currently available in the main cities of Belgium and will soon be available in Europe. Do not hesitate to drop us an email if you would like to see 0credit active in your cities sooner, especially if you could help us doing so.

  • Who is behind 0credit?

    0credit is a Belgian start up. Behind this concept is a team of multilingual enthusiasts with complementary expertise in finance, credit and real estate who simply wanted to offer a solution to people for whom access to property is not a problem of solvency but of equity. If you recognize yourself in this statement 0credit is definitely for you.

  • How does 0credit makes money?

    0credit makes money in a very simple and transparent way: - Buy side commissions of realtors and promoters (Non impacting our clients) - One-time program fee of 5000€ that is it (Impacting our clients) - Delta on interest (Non impacting clients) - interest on capital (Impacting clients)