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Frequently Asked Questions

  • How much money can I borrow?

    How much money you can borrow depends on various factors such as your income, the income of your partner, your age and your monthly expenses. On our page ' How much can I borrow? these factors are explained in more detail.

  • Can I borrow money as a temporary worker?

    Whether you can borrow money as a temporary worker depends on the phase of your employment or temporary employment contract with the temporary employment agency. For borrowing money, lenders create a risk profile of the borrower. An important part of this is a stable income, which is sometimes difficult for a temporary worker. If a stable income is uncertain, a lender is less likely to lend money to a temporary worker. You can borrow money as a temporary worker if you are in phase B or C through the temporary employment agency. This means that, in order to borrow money, you as a temporary worker must have an employment contract with the temporary employment agency for a definite (phase B) or indefinite (phase C) time. Do you have a phase A contract? Unfortunately, as a temporary worker you cannot borrow money on this basis. The lender sees your income from phase B as temporary employment and 70% is included as permanent and permanent. The income of a temporary worker from phase C is regarded as permanent employment and is included for 100% to determine how much money you can borrow as a temporary worker. In addition, the employment agency must be in possession of a NEN certificate.

    Do you work as a temporary worker and are you curious about how much money you can borrow? Request a quote without obligation and you will receive a response within one day stating whether and how much money you can borrow through the Dutch Credit Company. Go to method for more information about our application process.

  • Can I borrow money as a self-employed person?

    Are you a self-employed person and do you want to borrow money for consumer purposes ? This is possible with the Dutch Credit Company. We treat the application to borrow money as a self-employed person in the same way as that of a private employee. As a self-employed person you can borrow money privately through the Dutch Credit Company in the form of a personal loan or a revolving credit . To borrow money through the Dutch Credit Company as a self-employed person, it is important that you meet the following conditions:

    • The self-employed person is 25 years or older, has no negative BKR registration and lives in a home for sale;

    • The company has existed for at least 3 full financial years, is profitable and has positive equity capital.

    As a self-employed person, do you meet the above conditions? Then you can borrow money through the Dutch Credit Company. Request a quote without obligation to discover what the possibilities are for you as a self-employed person.

  • Can I take out a loan with benefits?

    Taking out a loan with benefits can be difficult. Before providing a loan, lenders look at the stability of the borrower's income. A stable income is not always certain with a benefit and that does not make taking out a loan with benefit.

    The more stable the payment, the greater the chance that a loan with payment is possible. For taking out a loan with benefits, it is very important that the benefit is paid out in full during the entire term of the loan and that the income from, for example, a disability benefit remains the same. People with an AOW, WAO, WIA or ANW benefit can therefore often take out a loan. The income of benefit recipients who are no longer reassessed, lenders often include 100% in the calculation of a loan with benefits. In other cases, a maximum of 70% of the benefit is included. People with unemployment benefits or unemployment benefits usually do not receive a loan, because they are already on the subsistence level. Do you have a partner with a fixed income? Then there are often more options for a loan with benefits.

    Do you receive benefits and are you curious about whether you can take out a loan? Request a quote without obligation and you will hear within one working day whether you can take out a loan with a payment through the Dutch Credit Company. If this is the case, you will also receive quotes from our partners with an offer based on your specific situation.

  • Can I borrow money with benefits?

    In some cases you can borrow money with benefits. However, it is not self-evident that lenders will lend money to people on benefits. To borrow money, a fixed income is important, which is certainly not always the case with a benefit. An unsteady income increases the payment risk, so that lenders often lower the borrowing capacity and charge a higher interest.

    A fixed income from benefits increases the chance that borrowing money with benefits is possible. In order to borrow money with benefit, it is also important that the benefit is paid in full during the term of the loan. Do you have an AOW, WAO or WIA benefit and are you no longer being re-examined? Then you can borrow money with benefits and your income is often included 100%. Do you want to borrow money with benefits, but are you still being re-examined or do you have a WGA or IVA benefit? In that case, lenders will take a maximum of 70% of your income from the benefit. People with unemployment benefits or unemployment benefits cannot usually borrow money with benefits. If you have a partner with a fixed income, then it is more likely that you can borrow money with benefits.

    Are you curious to what extent borrowing money with benefits is possible for you? Request a quote without obligation and you will hear within one working day whether and how much money you can borrow with benefits

  • How much can I borrow with a Personal Loan?

    You can borrow a minimum of € 5,000 and a maximum of € 75,000 with a Personal Loan. The exact loan amount depends on your personal situation. The bank calculates the maximum amount you can borrow based on your income, expenses, assets and age.

  • How much can I borrow with a Revolving Credit 60+?

    You can borrow a minimum of € 5,000 and a maximum of € 50,000 with a Revolving Credit 60+. The exact loan amount depends on your personal situation. The bank calculates the maximum amount you can borrow based on your income, expenses, assets and age.

  • How much can I borrow with my own home Revolving Credit?

    You can borrow a minimum of € 10,000 and a maximum of € 75,000 with your own home Continuous Credit. The exact loan amount depends on your personal situation. The bank calculates the maximum amount you can borrow based on your income, expenses, assets and age.

  • How much can I borrow with a Personal Loan 65+?

    You can borrow a minimum of € 5,000 and a maximum of € 50,000 with a Personal Loan 65+. The exact loan amount depends on your personal situation. The bank calculates the maximum amount you can borrow based on your income, expenses, assets and age.

  • How much can I borrow with a home Personal Loan?

    With your own home Personal Loan you borrow a minimum of € 5,000 and a maximum of € 75,000. The exact loan amount depends on your personal situation. The bank calculates the maximum amount you can borrow based on your income, expenses, assets and age.

  • How much can I borrow with a Combination Credit?

    A Combination Loan is very suitable for people with a high borrowing need. You borrow a minimum of € 50,000 and a maximum of € 150,000 with a Combination Credit. The exact loan amount depends on your personal situation. The bank calculates the maximum amount you can borrow based on your income, expenses, assets and age.

  • Which allowances count towards my assessment income?

    When applying for your loan, we look at your income and, if applicable, at the income of your partner. We call this the test or test income. Surcharges in the sense of extra income may be included in the benchmark income.

    Together with your application you must submit three payslips on which the allowances are stated so that it can be demonstrated that the allowances are fixed and not incidental. You may include the allowances below in the calculation of your test income :

    • Irregularity allowance
    • Shift allowance
    • Years of Service Allowance
    • Experience allowance
    • Hazard surcharge
    • Surcharge on adverse circumstances
    • Personal allowance
    • Weekend bonus
    • Night shift supplement
    • Consignment surcharge
    • Performance fee
    • Pay allowance
    • Schedule Surcharge
    • Currency exchange fee
    • Overtime allowance
    • Job allowance
    • Diploma fee
    • Commission

    Surcharges / income that you can not take with you as income are:

    • Guarantee surcharge
    • Picket surcharge
    • Saving salary
    • Holiday supplement
    • Travel allowance
    • Bonuses
    • Profit sharing
    • Holiday pay
    • Representation allowance
    • Car expense allowance
    • Child benefits
    • Allowance for school costs
    • Redundancy pay
    • Temporary annuity
    • Tax refund for medical expenses
    • Income from investment account
    • Alimony
    • Personal budget
    • Rental income
    • Cash income

    You will receive the allowances for care allowance, child-related budget, childcare allowance and housing allowance from the Tax Authorities as a supplement to your income because you fall below a certain income threshold. These allowances also do not count as extra income and may not be included in the calculation of your test income.

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