Who red can, get a lower mortgage NOS

By 1 december can be just the ability to to be overdrawn at the bank affect the maximum mortgage that you can get. The Bureau Kredietregistratie (BKR) appropriations previously namely to register.

For customers of ING fell last week, a letter on the mat, in which the bank mentions that the ability to red to stand up from december as a credit. That is also the case if the customer is never red or has been.

the Association of Home owners (VEH) warns for the consequences of – if even – red. According to VAH meets the BKR thus meet the stringent financial supervision Act.

From 1 december all credits registered greater than 250 euros, and that these people longer than a month. This includes winkelpassen, credit cards, revolving credits and limits on the payment account.

Now, it is still the case that credits from 500 euros with a maturity of three months or longer are registered.

Credit card

The spokesman of the VEH points out that someone who, for example, a credit card, so 8000 or 9000 euro. “That he should repay at steep interest. Before you know it, as someone heavily in debt. Therefore, if you do not use a credit card, I would say: say ‘m on. Then you have to pay again.”

He stressed that the stricter rules only apply if a consumer of the maximum mortgage wants: “If you have a lower mortgage, for example, 80 percent, have you been here not to do.”

Schuldproblemen

The stricter registration according to the BKR earlier insight in the so-called stacking of (small) debts. Therefore, people with schuldproblemen faster, enables the BKR.

“The huizenkoper may therefore be less money to borrow,” says VEH. “According to our calculations, can someone with a limit of 500 euro on his account as of december 1, 2800 euros less in mortgage than someone who has not. For someone with a limit of 1500 euros, this can be a difference of up to about 8400 euros.”

Most of the consumer

Almost every adult in our country has, according to VAH, a registration at the BKR. About 90 percent of the people has no late payments.