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How much can I borrow?

Calculate your loan online from 3.5%

If you are thinking about borrowing money , you naturally first want to know how much you can borrow. You can easily calculate this below. Enter your details and immediately discover how much you can borrow. In a responsible manner at one of our partner banks.

Your income

Your income is an important factor for the bank to determine the interest rate and a responsible loan amount. You cannot borrow money without a fixed and stable income. Not only the stability, but also the level of your income in relation to your expenses (expenses), have an influence. The more stable and higher the income in relation to the expenses, the higher the loan amount and the lower the interest.

Permanent or temporary employment

A permanent contract gives the bank more security. The chance that you cannot easily repay the loan is less likely. That is why you can often borrow more and cheaper with a permanent contract than with a temporary contract. The interest is also lower with permanent employment. Borrowing money with a temporary contract is possible. Part of your income is often included in the assessment of your credit application. As a result, the maximum loan amount is often somewhat lower. And because your work situation is more uncertain, you usually pay slightly more interest.

Borrow money as an entrepreneur

We also provide loans to entrepreneurs and freelancers . If you have been doing business within the same company for more than 3 years, you can take out a loan. It is important that your company is profitable, has positive equity and that you have a positive BKR registration. Based on the annual accounts of the past 3 years, the bank determines how much and at what interest rate you can borrow.

Borrow money with benefits

Social benefits are often a less stable form of income. Borrowing money with benefits is possible , but not self-evident. Whether and how much you can borrow depends on the type of benefit and the duration. Do you have a WIA, AOW or WAO benefit and are you no longer being re-examined? Then a loan is usually possible and your full benefit / income is often included. Do you have an IVA or WGA benefit, and / or are you still being re-examined? In that case, the bank usually takes a maximum of 70% of your benefit with you. Borrowing money with unemployment benefits or unemployment benefits is not possible.

Take out a loan with a pension

A pension is a stable income. That is why a loan is usually possible. Additional pension income such as an annuity is often included in the calculation of the maximum loan amount. The bank does take your age into account; they have a maximum age for granting credit.

Your living situation

When calculating your maximum loan amount, the bank takes your expenses into account. It is important that you have enough financial space to pay the loan. Because a house for sale or rent entails different costs, we always ask about your living situation. Your owner-occupied home does not serve as collateral for your consumer loan . A owner-occupied home does give the bank more certainty about your living, working and living situation. Especially if you borrow for home improvement or if you borrow money that you spend on the home. This often results in slightly more favorable conditions, a slightly higher loan amount and often a somewhat lower interest rate.

Your family situation

Just like your living situation, your family situation also influences your monthly costs. When assessing your credit application, the bank assumes that the monthly costs of a family are higher than those of someone who lives alone. This means that a single person - if all factors are the same - can borrow more than a family. You do not have to enter your exact monthly payments. When calculating your loan, the bank uses legal standards based on standard calculations from NIBUD , the information institute about money matters.   (there they use the single-earner with or without a child or the double-earner with or without a child standard; this is a legal standard that all Dutch banks use).

Your age

All lenders have a minimum and maximum age. You can borrow money from the age of 21 and often until you are 74. If you are younger or older, a loan is not possible. Banks have a maximum age for taking out a loan, so that you can pay off the loan before your 75th birthday.

Your BKR coding

If you apply for a loan, our partner banks always do a BKR assessment. They check how many loans are still open and whether you have a positive or negative BKR registration . If you still have a lot of current loans, this often results in a lower loan amount and higher interest on your new loan to be taken out. It is sensible and cheaper to combine all loans into one clear and affordable loan, which means that the chance of payment problems is small.

If you have had payment problems (your coding will receive a negative registration from 61 days in arrears or more), it is not possible to take out a loan. Read more in our article 'What is and what is not registered with the BKR? '.

The loan amount

With us you can borrow from € 2,500 to € 150,000 . You often do not have to borrow the maximum amount, but you need a specific amount. For example to finance a car or renovation . The amount of your loan does influence the costs. Because the interest is not the same for all amounts. Banks work with a graduated scale for this. This means that the interest decreases as the loan amount increases. This is due to the fixed costs of a loan for the bank, which weigh less heavily with a higher loan amount. That is why it is also more advantageous to merge a current loan and new loan into one loan with a higher loan amount.

The term life insurance

You can take out term life insurance with your loan. This is not mandatory , but it is sometimes wise . With such insurance you prevent that - in the event of death - your surviving relatives are left with debts. The loan is then repaid by the insurance. You decide whether you want to insure this risk. Such insurance has no influence on the amount of your loan or interest. Term life insurance currently only costs a few US dollars a month and is separate from the costs of your loan.

The term life insurance

You can take out term life insurance with your loan. This is not mandatory , but it is sometimes wise . With such insurance you prevent that - in the event of death - your surviving relatives are left with debts. The loan is then repaid by the insurance. You decide whether you want to insure this risk. Such insurance has no influence on the amount of your loan or interest. Term life insurance currently only costs a few US dollars a month and is separate from the costs of your loan.

Current interest rates

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