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Borrow more for energy-saving measures

Borrow more for energy saving measures; only few homeowners do it. Read more about the possibilities for a higher maximum mortgage.

Take sustainability

Take sustainability

The Rutte 3 cabinet has set itself an ambitious sustainability objective in the coalition agreement. To reduce CO2 emissions, the coal-fired power stations will be closed in the long term and the gas connection to new-build homes will disappear.

Homeowners also have to make sustainability a step further

Homeowners also have to make sustainability a step further

According to (Home Affairs) this is not happening enough now. In an answer to parliamentary questions, she mentioned the lack of knowledge among homeowners and mortgage advisers about the financing options as a cause.

For example, in 2017 only 2.1% of NHG mortgages made use of the additional financing options under the guarantee. The Minister is therefore entering into a dialogue with the sector to resolve the bottlenecks.

Borrow more with energy saving measures

Borrow more with energy saving measures

In 2018 you can only borrow 100% of the home value. You must therefore finance a renovation completely out of your own pocket. However, an exception is made for energy saving measures.

  • If you are going to make the home more sustainable, your maximum mortgage will be 106% of the home value.

The maximum mortgage is also higher when buying a sustainable home. Because the energy bill has less pressure on monthly costs, you can borrow more based on your income.

  • With an A ++ or higher you can add up to 9000 euros for your maximum mortgage.
  • If you buy a zero-meter meter, you can borrow up to € 25,000 more.

The above applies to mortgages with and without NHG and is not only interesting when purchasing. Homeowners who want to increase or refinance their existing mortgage with a view to making it more sustainable can also borrow more.

Not a goal but a means

cash

Ultimately, a higher maximum mortgage is not the goal, but a means. The ultimate goal is to make the existing housing stock more sustainable and a lower energy bill for the individual homeowner.

A goal that we fully support at Dolly Varden. We therefore offer you the option of having an expert calculate the financing options for energy-saving measures without obligation.

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The Credit Registration Office wants to register more types of debt

The Credit Registration Office has been arguing for a long time for a national system for registering all debts. BKR currently only records loans and any backlogs. Mobile phone subscriptions are also registered at BKR in many cases, but due to a conflict with a number of large telecom providers, these are not all registered anymore.

Debt problems

Debt problems

BKR notes that the number of people with debt problems has risen considerably in recent years. Debt problems often get out of hand because people try to resolve existing debts by taking out a loan. In other words, try to fill holes with holes. The result is almost always that people get into trouble so deeply that debt assistance ultimately offers the only way out.

BKR states that it would be better if rental debts and debts were also registered with insurance companies. In this way, debts would come to light sooner. At present, someone with all kinds of payment arrears can still often get a loan, as long as it does not concern arrears on other loans. The moment there is more insight into the total debts and payment arrears of someone, it can be prevented that someone goes further into debt to settle other debts.

Mini-loan is also increasingly causing problems.

Mini-loan is also increasingly causing problems.

Mini loans have been controversial for some time because of the high costs that are charged. In general, it is already financially weaker families who use the mini-loan out of necessity. Often this happens to pay a bill that really can no longer remain. The result is often that the same families have a bigger problem a month later, because the mini loan plus the high costs have to be paid back in one go.

Several large collection agencies indicate that they are increasingly confronted with people who are unable to repay a mini-loan within the stipulated period. This leads to further problems for the people involved, due to the additional costs of the collection agency. These costs are also generally not low.

Filling up one debt with another sooner or later almost always goes wrong. When things go wrong, the problems are often so great that a debt restructuring process is the only option. A debt restructuring process is a very difficult process in which people have to live on an absolute minimum for three years. The advantage is that if everything goes well, after three years someone will be debt-free again, but it is fair to say that by no means all debt restructuring processes are successful.

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Quickly borrow money cheaply and familiarly

Are you looking for a good opportunity to borrow money quickly, but do you first want more information about this subject? Then you’ve come to the right place. It’s not for nothing that we are called borrowing money quickly within 10 minutes, we provide as much information as possible about the cheapest and fastest loans, the lowest interest rates and the best conditions. This way you know for sure that everything will go smoothly for you, so that you will not end up with an overpriced loan, but will always have the cheapest loan at your disposal. Over the course of several years this will often give you hundreds or even thousands of euros in benefits, so it is certainly profitable to see what is the most profitable for you.

To always guarantee that you choose the lowest loan, it is important to view different loans before the decision is made.

Borrow money directly at the lowest costs.

Borrow money directly at the lowest costs.

First check what all the options will be, so that unpleasant surprises do not appear afterwards. The priority when borrowing money is to always look carefully at whether a loan is reliable and affordable. Borrowing money can sometimes entail high costs, while these high costs are not necessary at all. It is always possible to get a cheaper loan than is currently being obtained. Therefore, do not be reluctant to look for another loan, because this can save you as much as possible costs. It can sometimes take a while before the right loan is found, but the process of borrowing money can get so much benefit. Why opt for thousands of euros more on an annual basis when a lot of money can be saved with some effort? Then take your time, because borrowing money will make it a lot cheaper.

Borrow cheap money by comparing.

Borrow cheap money by comparing.

Borrowing money quickly is obviously the most beneficial when it is also cheap. It is easy to borrow because there are many different lenders operating on the market. This means that low interest rates must be applied because there is a struggle to win over customers. As a consumer, this is of course extremely interesting for you, because it means that money can be borrowed from these providers for a low price.

Borrowing money directly can therefore be very cheap if it is handled properly. It is good to get a good overview of everything, which is why we opted for borrowing money quickly within 10 minutes. It is important that consumers have enough information to be able to take out a profitable loan. For example, it is important that the conditions, interest and the term of the loan are properly examined, because this determines how high the costs will be for the loan. So be sure to read well, because this can save you both time and money and time. You don’t want to borrow money now, keeping in mind that in ten years time a lot of money will have to be paid in order to still be able to pay off the loan.

It is of course nice when you can borrow immediately. Normally, the procedures for borrowing money are rather long, because a lot of administrative work has to be done before the loan can be granted. It is therefore not surprising that it can sometimes take a few months before getting real money. However, borrowing money quickly is different. As soon as the request for borrowing money has been placed, the administration will be looked at immediately, and the loan can already be provided within a short time. Before the money can be borrowed quickly, the lender will have to request some information. This is not strange, because it often involves large amounts from lenders.