The Dutch consumers need to borrow less or save. That concludes De Nederlandsche Bank (DNB) Friday in a study of the wealth of households
.
According to DNB, tax in new policy incentives that encourage borrowing and saving are removed as much as possible.
For example, the requirement to dissolve completely off mortgages, should be relaxed. Meanwhile, the mortgage would have to be phased out and consumers would have more control should be about the structure of the pension.
Debt
DNB points out the risks associated with the relatively high debt and possessions to sensitive to fluctuations in the market. As an example, DNB pension premiums go up or down as the economy counter or lucky.
Consumers would there be much to adjust their spending. The same applies to the houses, for example, may be under water due to economic headwinds
Read also:. 10 Alternatives to save (premium)
According to the DNB fiscally neutral making homeownership would be the most effective way to reduce the mortgage debt in the long term, and to reduce the risks for banks and consumers. “That would make it less attractive to buy a home with debt,” said DNB.
Rental Market overhauled
In contrast, should the current rental market on the shovel, inter more to tackle the so-called skewed housing. Rent in the sector, the report still insufficient an alternative to owner-occupied homes.
Also investing in pensions should be tailored for each generation. Thirties who just bought a property, now camps except with the burden of their mortgage even with a relatively high pension.
Buffer
According to the National Institute for Budget Information (Nibud) DNB speaks especially about the “bigger picture”. According to the Institute remains for households, however, important that there is a buffer or is built up in order to compensate for any setbacks. “We advise consumers to always look good in their own pockets what is possible,” said a spokesman.
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This had the wisdom to come DNB First profiteering policies were sold. Many people had their home to a large extent as may be redeemed. The brutality say.
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If I equally would handle my money, if the Dutch state does with OUR money, I would have long to live on the streets. ..
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Save? Every euro comes in, goes for at least 50% from the door to all kinds of antisocial taxes, charges, fees, etc. Duvel still on your savings, you’re lucky if you get to the end of the month without getting red!
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who DNB to interfere with our privacy
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Capitalism stinks !!! Rutte Netherlands broken cuts and we are in a crisis where we can not get out! !! The EU has failed the money we were paying we never get back !!! Switzerland is neutral and has no crisis but prosperity !!! They do not carry nasty wars !!! Moreover, they do listen to the voice of the people through referendums !!! So was also expected to in the Netherlands !!!!!!!
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There is and there will be more uncertainties citizen off thinking of your retirement, so we keep the hand on the cut thanks to rutte and co.
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Did the DNB in recent years been in a deep cave? We, family with two growing teenagers and do not quite modal, the last 4 years are € 214, – net pm deteriorated. That’s a net € 2,568, – a year! Our savings expire just enough to possibly emergency purchase a washing machine or something. The government and DNB must address the banks and the grabbers in the care and landlords and use that money for the working man / woman. Rummaging pays, work no more!
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It was first encouraged us to take as a supplement to retirement annuities. When it was no longer deductible and we had to ourselves but Bijsparen for old age. Now that system may not produce. Moreover, the government, the provinces, municipalities, Europe increasingly additional burden
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It’s all pocket-pocket chatter. Let them pay the pensions once instead of always hoard as a buffer. In addition, do hospitals, insurance, education, the provinces nothing but hoarding money later.
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DNB says save less, government says what must put aside for later, the tax up everything, what’s left you lost to tax increases imposed by VVD, PvdA, D66, CU and SGP. What a talk economy
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Save? Which then? Everything is taken away by that gang in The Hague.
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I suggest everyone undeclared savings in an old sock, money from the bank, let them flourish, just as they have done hardworking Dutch to many millions, the bank must dance a look at our pipes instead we to theirs.
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outrageous I can not even save the pittance of what I have and my family! I’m not there VVD
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When I see the picture with the annual savings I ask me especially what many people respond, have done wrong.
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If there is an ongoing money you will be picked up in the form of continued tax increases, tax and rent increases, pension reductions, provinces and municipalities that are making hype to make business more expensive ….. as long as I go further long sit on my limited pocket money. Death Sick of rules and discount rates
Yes, what did you think then, Greece still needs some mio. Have, well, it can be even now as a mess in Brussels, because there can be beautiful all that money to. Bunch rats there in Brussels, ….. and watch Ukraine is coming, even that still get cozy summer. But sleep quietly through though.
Save? Last week at dermatologist been consultation within 10 minutes € 180.50 check for skin cancer and piece of tissue removed costs € 280, – total. I have the wrong profession (had now AOW) Hup excess pay € 375 !!!!
In retrospect, everyone can give his opinion.
There are people who can not wait for a spot on the list is released from the food and who really have no illegal extra income on top of their benefit! Which should last 1-2 weeks of the month, but just go hungry because they have paid the fixed costs?
Hypotheekrenteaftrek be reduced! People are actually for 30 years entered into a contract with the government. The deduction had been mobilized an essential element in assessing whether the burden of a home. This interim deletion actually contract and will bring even more people into trouble. Anyway let these matters to politicians about like the address skew tenants.
DNB can say what they want, the truth is that the economy but, ……. not for citizens! However, for the state, more tax revenue from businesses! It’s bad, what Dutch have not notice, holiday pay, of workers is less, ie more responsible! Due to the nivellerings anger of the WPB! Thank Samson and Spekman! Furthermore, the President of the Dutch Central Bank is a PvdA! So Dutch, do what he says !!! On to the former GDR!