OF To Appi-credit HOME TO BUY RENOVATE TO RENT RATE COUNTERS IN REGARDS TO FAQ CONTACT Social credit history In 1889, the State proposed the first concrete interventions within the framework of its housing policy, with the aim of promoting the construction of workers' houses. From 1920 to 1950, two official bodies were responsible for applying the housing policy of the Belgian State: The National Housing Company (SNL) which had the following missions: To meet the housing needs for people with low incomes; To build social housing and rent it out through local companies. The National Land Company (SNT) which had the following missions: To promote access to property in rural areas; To grant social loans. In 1984, the Walloon Regional Housing Company (SRWL) was created and given the mission of continuing the activities formerly practiced by the SNL and the SNT: it therefore ensured, on the one hand, the management of the rental stock of social housing and, of on the other hand, the granting of social mortgage loans to people with low incomes through the intermediary of "land companies". In 2001, the Minister in charge of Housing decided to reform the sector and created the Walloon Social Credit Company (SWCS), the latter's mission being to manage the “acquisitive” part (that is to say the granting social mortgage loans) while the SRWL (now called SWL) remains active for the “rental” part (= rental of social housing). The SWCS therefore resumed the production of loans in collaboration with the “Terriennes du crédit social” and the “Société de crédit social”. In 2004, the Walloon Government adopted a new regulation of loans as well as an authorization defining the operating standards of the “social credit counters” (formerly the Terriennes du crédit social and the Société de crédit social). The Walloon Social Credit Company takes the form of a public limited company registered by decision of the Financial Services and Markets Authority (FSMA). FSMA N °: 70400 Approval N ° for consumer loans: 212836 Today, the SWCS employs around 100 agents and its head office is located in Charleroi. Who are we ? Board of directors Competent minister Social credit history Social credit sector Useful links SWCS Charleroi Rue de l'Ecluse, 10 6000 Charleroi 078 / 158.008 Click here to contact us Schedule Our Contact Service and reception are accessible from Monday to Friday from 9 a.m. to 12 p.m. and from 1 p.m. to 4 p.m. Attention, emprunter de l’argent coûte aussi de l’argent Exemple représentatif de prêt à tempérament: un ménage avec 2 enfants souhaite rénover son habitation. Le coût des travaux est de 8.310€ (selon les devis récoltés). Le montant des primes est de 1.375€. Montant dû: 6.935€ (8.310 – 1.375). Durée du crédit après validation des primes: 84 mois. Montant de la mensualité: 82,56€.TAEG: 0%. Taux d’intérêt débiteur annuel fixe: 0%. Menu ACCUEIL ACHETER – COMMENT FAIRE ? RÉNOVER – QUE PROPOSONS-NOUS ? LOUER – QUE PROPOSONS-NOUS ? QUELS SONT NOS TAUX ? NOS GUICHETS DU CRÉDIT SOCIAL POSTULER À LA SWCS QUI SOMMES-NOUS ? CONTACT Avec le soutien de Adresse Walloon Social Credit Society (SWCS) Rue de l'Ecluse, 10 - 6000 Charleroi Tel .: 078 / 158.008 http://www.swcs.be VAT number: BE0473771754 RPM Charleroi Click here to contact us All united against the Corona Legal notices - Information on the protection of privacy Copyright © 2021. SWCS - Social credit portal. We do not follow you behind and we respect your privacy.OKFind out more