Adjustment BKR-registration changes little mortgage’ – NU.nl

let the Dutch Association of Banks (NVB) and BKR on Wednesday to NU.nl know.

BKR goes from 1 december to register any consumers at least 250 euro red. Regardless of whether or not they are actually red. Now this only applies for people who have at least 500 euro red. This has to do with a European directive in the Dutch law was introduced.

Association the Association of Home owners (VEH) warned there on Tuesday for a huizenkoper that 500 euro red may are this december about 2.800 euros less to borrow than someone without that ability. This amount, according to the calculations of VAH on the maximum mortgage amount that someone according to the leennormen responsible can borrow.

Conceal

The NVB and the BKR stress that consumers are already at their mortgage lender must specify whether they are red allowed to stand or debts may have. The adjustment affects only people who were planning to conceal.

in Addition, the measure of effect for buyers who in proportion to their income, relatively high mortgage.

“There is a change in principle, not so much. Also, before BKR this is going to register, you have actually simply already set in your bank,” explains a spokesperson of the NVB. “It is a good idea as people are already reporting. There banks also. But for those cases where people that still keep, have banks now have an opportunity to check in at BKR.”

Responsibility

The NVB welcomes the more stringent registration with BKR. “You ask that not for people to bully, but because you want people to responsible lending and borrowing. That they the mortgage can afford to pay. And in that sense it is simply good.”

“By appropriations from a lower amount, also to register, the financial position of consumers in an objective way,” says BKR. “With reliable and secure protected information, we are promoting the financial well-being of consumers.”

What the bankenkoepel, BKR also studieschulden need to register. Buyers now have the ability to conceal. BKR calls itself for longer.

Registration

Almost all adult Dutch people are at BKR registered. BKR has data about personal loans, continuous credit such as a credit card, purchases on account, the possibility of overdraft, and longer payments on the mortgage.

Now only credits from more than 500 euro to 175.000 euro with a maturity of more than three months registered. By december are also loans between 250 and 500 euros with a maturity of at least one month recorded.

According to BKR have good payers benefit from this change. This could also help the problems around to reduce liabilities: “People who have payment problems, have, stack, often short debt. This change prevents the accumulation of invisible, short of appropriations.”

more than nine in ten registered at BKR did not have late payments. A mortgage lender can see that this consumers on their payment obligations.

By: NU.nl