Are you planning to buy a house? Then you can insure yourself with the National Mortgage Guarantee (NHG) against a residual debt. In that case, lenders hardly ever charge interest. If mortgage lenders take out a mortgage, they run the risk that the customer does not pay back their loan. If the total loan […]
Mortgage interest relief has been an important limitation since the introduction. Homeowners must pay a kind of tax for their living enjoyment: the notional rental value. The level of the notional rental value depends on the value of the home. Relaying provides pure savings The mortgage interest deduction is therefore reduced by the notional rental […]
There are several ways you can take out a mortgage. You can do this directly at the bank, but also through a mortgage advisor. Research by the Mortgage Association has shown that taking out the mortgage through an advisor is often more advantageous than directly at the bank. Higher interest rates on mortgage through […]
Mortgage providers do not sufficiently reflect the importance of customers when it comes to clarity about risk storage. This is the opinion of the Netherlands Authority for the Financial Markets (AFM), which conducts customer interest surveys every year. Risk storage is an extra interest that you pay on top of your mortgage interest. If, for […]
The mortgage loan-less buyer is gaining ground in the housing market. Last year, some 17% of owner-occupied homes in the Netherlands changed ownership without a mortgage loan involved. This is shown by figures from the Land Registry. Particularly in the large cities and on the coast, many houses are bought without a mortgage loan. The […]
It is becoming increasingly popular to save on current loans and loans. It is a way that you can bring the monthly costs down considerably. Some loans and loans have an interest rate of 14%! By transferring your loans and loans to another bank or lender, you can significantly lower interest rates. Our colleagues at […]
Revocation action for donation – Can the donation be considered as a transfer for consideration if the donor subsequently receives loans from the donor?
I received a house in donation from the spouse (debtor) three years before the citation for revocation, after about three months from the donation I paid the spouse numerous loans (never returned) by wire transfers with a causal loan, we could consider the aforementioned donation as an act for consideration, considering all the loans I […]