If you have more than 250 euro red can get you from december a BKR registration. How much that is? It can get you thousands of euro’s care on a mortgage.
The new rules, go you especially feel if you have a mortgage and want to quit. In the old situation it was in red are not registered with the BKR if you have at least once in three months to a positive bank balance had to have (most banks require). In the new situation is that if you have more than a month red should you already have a registration. Also, there are already 250 euro, registered in place of from 500 euro.
example
Suppose you have an account which you 500 euro red can stand for longer than a month and you have an income of 35,000 euro. You can use the old rules, a mortgage of 161.760 euro. But according to the new rules, you get in this situation all of a BKR registration. That means that the bank you have less money will borrow, because it is assumed that you are less can pay off if you already have another loan should paying off (red in this case). The Hypotheker is counting for you in this case, about 2000 euro less can borrow at the bank.
But it can be worse, much worse. The Association Own House calculated that people with 1500 euro of additional spending power even 8400 euros less able to borrow for their home. If your partner also red can walk that amount even further.
Positive registration
How is it now exactly? The Bureau Kredietregistratie keeps track of all the Dutch or they loans have closed. If you have such a loan or credit quit you get a positive registration. Building a late payment can change that in a negative registration, and then you have a problem.
The positive registration means that a lender such as a bank, a leasing company or a company where you something on credit purchased, as reported at BKR. In itself there is nothing to worry about if you have such a registration after your name.
However, it is not without consequences. For example, if you a new mortgage want to quit, should the lender have to check how much money you already borrow and how much you spent on the account thereof. Because you have that money can’t help you new loan to be repaid, reduce the amount that you can borrow.
Negative registration
If you’re not on time, you loans or credits pay it off, the company where the arrears have built up there, mention that in BKR. That may, incidentally, only after you have also written of been informed. You should also get the chance to get your affairs in time in order to make.
That negative entry has large consequences. If you wanbetaler known you will not quickly get a new loan, can conclusion. An additional problem is that this will give you a chases. Also if you are lagging behind have already removed your negative entry for five years in the system of BKR.
What is registered?
- Descending appropriations. That are loans for which there is a clear end-date was agreed. Think of a personal loan, a leasing contract or a deferred payment. Note: if you have a phone plan have concluded with a ‘free’ phone is considered a loan.
- Revolving loans: your credit card or overdraft. And thus changes something. In the past you got only a recording if you have more than three months more than 500 euros for red if. That leads not always to a registration, because most banks require that you access once in three months in the plus.
From 1 december to get all the registration if you have more than 250 euro for a month or longer red. That applies to virtually all accounts of which you that may.
- Also if you have a credit on a homeshopping organization of more than 500 euros or a debt settlement have made you come in the systems. Your mortgage is registered only if you have more than 120 days have not paid.
Private lease
This year, BKR even more new rules were introduced. So is a private leasing contract for a car since 1 July also SEARCHES registered. 65 percent of the contract costs will be if loan is registered, and that can be significant consequences.
Assume that you will pay in three years time 9000 euros for a private lease, than it is 5850 euro registered. But the “damage” is much greater. This allows you to run as much as 50,000 euros less to borrow for your mortgage. Banks charge namely as if you were that burdens the entire term of your mortgage will must pay.
More on rtlz.nl:
Red produces BKR-registration
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