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Geld lenen zonder advies

Borrowing money without advice is satisfying.

By Geen categorie

Borrowing money without advice is satisfying

Nibud's research in this study shows 850 consumers about applying for and taking out a personal loan .
Nibud has been able to draw a number of conclusions from this. One of the most important of these is that borrowing money without advice, on an execution only basis, yields more satisfied consumers than taking out a personal loan with advice.
Interesting of course, but why could this be? What are the underlying thoughts of the consumer.

Borrowing money without advice is cheaper

An important difference between borrowing money without and with advice is that borrowing money without advice does not entail advice costs. The consultancy costs may be a maximum of $ 500.00 for a loan. These are costs that are not charged for advising the loan. These costs may only be charged when it comes to advising insurance. Such as disability insurance or term life insurance with the loan.
With the exception of the term life insurance, these are not actually offered when borrowing money without advice. The brokerage fee for insurance is much lower when borrowing money without advice.
This may be one of the reasons why 'borrowing money without advice is satisfactory' can be explained.

Own choice

In addition, there is another important difference. You can borrow money without advice yourself. You determine which product you take out, for which term and which type of credit. This often gives you a good feeling.
Most credit intermediaries will provide you with a clear overview of the terms and conditions of the loans. Making a choice is often easy. You can immediately determine what you prioritize for your loan, and choose the right product.
This allows you to put together your loan yourself, as it were. And that is an important reason why borrowing money without advice is satisfying.

Betalingsachterstand op hypotheek

Less payment arrears on mortgage

By Geen categorie

Less payment arrears on mortgage

Good news when it comes to mortgage payment arrears. The number of people with payment problems has decreased sharply in a period of just 1 year. In April this year, there were still some 86 thousand people with payment problems. That's a lot of people, of course. In April 2017, however, the number of people was a whopping 12% higher. In April 2017, there were 98 thousand people with mortgage payments in arrears. So things are quickly moving in the right direction.

Reason for the decrease in payment arrears

The reason given for the decrease in payment arrears may be an open door for you, but we would like to kick it in for you. Due to the improvement of the labor market, there are also fewer and fewer people with income from employment. We notice this with 'normal' borrowing . But of course also with mortgages.
In addition, the lower interest rate may also have helped something, the lower the interest, the lower the monthly payment in many cases because there are still many people who have to pay too high interest for the mortgage.

For a long time less payment arrears on mortgage

The mortgage barometer of the BKR shows that the decline in mortgage arrears already started in 2015 and that is good news for everyone of course. After all, a backlog on the mortgage is not only annoying for the banks, but also for the people in arrears. It can be experienced as stressful if there are problematic backlogs.

How to limit payment arrears

First of all, it is of course important to ensure that when taking out a loan you choose a loan with a monthly term that is affordable for you. Do not take out financing that you are unsure about. And of course, do not take out financing if you already know that your income is going to fall, and the new loan to be taken out is already difficult for you to pay.
In short, be honest with yourself and only take out financing if the credit is also easy to bear. This applies to a mortgage, but also to regular credit.

Geld lenen voor bijkomende kosten bij de aankoop van een woning

Borrow money for additional costs when buying a home

By Geen categorie

Borrow money for additional costs when buying a home

If you are going to buy a home, there are additional costs. Costs for the notary, taking out a mortgage, and of course the transfer tax . All in all, these additional costs can add up considerably. In the past, borrowing money for additional costs when buying a home was hardly necessary. This is because up to 125% of the foreclosure value of the house could be financed. The transfer tax, notary and mortgage costs could easily be co-financed. However, now that up to 100% of the value of the house can still be financed, you will have to bring in savings yourself or take out a loan. Then there is an important point to take into account.

What do you have to pay attention to?

The most important thing to consider is that borrowing money for additional costs does not put your entire mortgage at risk. If you take out a mortgage that is already the maximum for you, the mortgage lender will not accept it if additional financing is taken out. Therefore, before applying for a loan, always consult with the mortgage adviser if you want to take out a loan in addition to the mortgage. The advisor can clearly indicate to you what the options are for taking out financing in addition to your mortgage. This is by far the most important step in applying for the loan. If you state the purpose of the loan with your application, we will always ask about this so that we can give you the correct advice.
In addition, it is of course important to ensure that you also reduce this loan. Just as with a car loan , it is important to properly coordinate the term of the loan with the spending goal.

Risk when borrowing money for additional costs when buying a home

Borrowing money always involves risks. Borrowing money in addition to a new mortgage is certainly no exception. Especially if the mortgage you would like to take out is no longer affordable due to the new loan. The tip for this is that you continue to communicate clearly and well. Both with us and with your mortgage adviser. You can expect both to receive honest and independent advice for what is best for your situation.

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Tot welke leeftijd kunt u lenen

Up to what age can you borrow?

By Geen categorie

Up to what age can you borrow

borrowing money can be necessary for everyone, young and old. Now it is of course the case that in recent years we in the Netherlands are getting older on average at a rapid pace. That is why it is also important to answer the question; Up to what age can you borrow?
In order to answer this question properly, it is good to know that there are different providers with different guidelines. You can only borrow from one party until your 68th birthday. At another party they have pushed this a little further.

And the answer is ????

You can borrow money up to and including the age of 73. Pay attention! You can then only borrow money for a very short time. The loan must be repaid in full before your 74th birthday. The minimum term of the loan is 6 months. So if you want to borrow a larger amount, you will have to pay a high monthly installment. Keep this in mind if you want to finance.

Which income is included?

In addition to answering the question up to what age can you borrow, it is of course also important to know which income is still included.
The arrangements are actually even simpler for this. As soon as you have reached retirement age, only income from the SVB and income from your accrued pensions will be included. Income from employment that you earn in addition to your pension is no longer included.
The reason for this is that when you reach retirement age, you have fewer rights under employment. Strictly speaking, these employment contracts may simply be terminated immediately without giving you any further compensation.

Limitations in Credit Offer

The possibilities of a credit are limited when you reach retirement age. What we mean by this is that there are fewer types of credit that you can choose from. Normally everyone can choose from a revolving credit or a personal loan . For people over 64 it is no longer even possible to take out a revolving credit. Incidentally, this is certainly not bad in all cases. The interest on a personal loan is lower with most companies.

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