Before you start buying a property, you first visit a mortgage advisor. The mortgage advisor you enter into a mortgage advisory interview. The application of the #hypotheek - Yes. #geldzaken #geld #financien #zekerheid #verhuizen #huiskopen

  1. The review
  2. The provision of the

The request

You have found a nice property at the broker and you want to buy it. You had a conversation with the mortgage advisor and he advised you that you can finance the property with a mortgage. It may happen that the mortgage consultation will lead to an immediate application of the mortgage. The consultation and the application for a mortgage are very similar. Here too, the mortgage lender wants to know the necessary things from you.

  • Personal data: NAW data, more civil state, age and children.
  • Income data: what is the annual gross income of you and your partner. From this, the housing ratio is calculated the percentage that can be used for the payment of mortgage charges.
  • Details of the collateral: the property is the collateral on which the mortgage is located. The mortgage lender wants to receive the valuation report of the property.
  • Mortgage data: mortgage rate, repayment form, account number, NHG and the amount of the mortgage.
  • Other information: any other collateral and information of the adviser.
The mortgage lender will include this data in a report and both partners will have to sign it if the data is correct. Incidentally, there must be a signature on the offer of the mortgage application. Nomtionally, you do not sign a quotation, because a signature indicates that you have agreed to the quotation, whatever it says. In case of a mortgage application, this is slightly different.

The review

The mortgage lender assesses whether the mortgage can be granted to the customer. In this respect, it is important whether the customer can continue to bear the mortgage charges in the future. You take a mortgage for a period of 30 years. If the customer has other debts, it will be checked. How big are the debts and can they be repaid quickly. The mortgage lender will request this data from the BKR (Bureau Credit Registration, Tiel). The valuation report shows the writ of execution of the collateral. The mortgage is based on this writ of execution. Up to 125% can be borrowed from the so-called tophypotheken. If the writ of execution of the collateral amounts to €250,000, a tophypotheque could be borrowed €312,500.

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casapapusilor
Kleine aantekening. Vraag voor je aan het hele proces begint bij de BKR op of je daar genoteerd staat. Er gaat ook daar weleens iets fout en dan wordt je afgewezen zonder dat daar een reden toe is. Houdt ook rekening met een eventuele studieschuld.
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Gingerbread
@casapapusilor klopt inderdaad dat is wel slim te doen
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