Test mortgage applications without explanation employer – NU.nl

Several mortgage lenders start piloting a digital application process, using data from the government.

The necessary data for the mortgage according to consulting firm IG & amp; H, which accompanies the test are available from benefits agency UWV.

A document can be requested via the website mijnuwv.nl that employers statement superfluous. The document provides information on wages and employers. Consumers themselves have the choice whether they want to use them. Eventually must be replaced paycheck also that way.

Easier

Rabobank Florius, Hypotheker, bijBouwe, Vereniging Eigen Huis, Mortgages Data Network and Homeownership Guarantee join in the pilot. The test would make the promoters applying for a mortgage easier, faster and cheaper.

During the pilot is the new way of applications at participating providers only available for part of the customers. They have to be employed for example. After several months, the results of the pilot will be evaluated.

The parties want to make it possible for consumers within three years to apply for a mortgage without physical documents. The applicant for the mortgage does then only to authorize the use of the data.

Irritation

“The current mortgage process is completely based on physical documents, making the long and is pricey, much effort demands of consumers and may cause irritation and uncertainty, “said IG & amp; H

data from the Hypotheker and Florius would appear that the physical employers statement on average 2.4 times in an application. must be submitted. This is for example because information is missing or statements with the wrong color pen filled in.

“Buying a house should be a party but a mortgage is certainly not. With the cancellation of employers statement is taken away one of the biggest pain points, “Hugo sets of Vledder, partner at IG & amp; H

.” the digitization of the mortgage chain is a huge step forward in addition to convenience, consumers get faster security and take. consumers control over the process, “said Association of Home

By: ANP / NU.nl