sanidomecanin.com http://www.sanidomecanin.com My WordPress Blog Thu, 04 Jul 2019 16:28:49 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 A loan? Which documents do you have to prove? http://www.sanidomecanin.com/a-loan-which-documents-do-you-have-to-prove/ http://www.sanidomecanin.com/a-loan-which-documents-do-you-have-to-prove/#respond Thu, 04 Jul 2019 16:28:49 +0000 http://www.sanidomecanin.com/a-loan-which-documents-do-you-have-to-prove/

If you want to take out a loan, you must also provide a number of documents. And because we want the process to go smoothly and flawlessly, today I have listed the items that must be demonstrated.

These are:

  • The signed quote
  • Copy of valid proof of identity
  • Copy of a recent salary slip or a benefit specification
  • Copy of a recent bank statement
  • And in the case of already existing loans a copy of this loan (s)

The signed quote

 

 

It sounds very logical; you must sign the quote. As a result, the bank knows that you have read this and agree with the content. After all, it is an important decision that you make and that is why we must be sure that you have read all the pages correctly.

With Postkrediet the quotation consists of a number of parts; the contract, the payment order for the money, a direct debit authorization, your details and a statement of approval for our services. In many cases, a contract is also signed for canceling a credit.

Draw with pen or digitally

Draw with pen or digitally

 

Depending on the bank, you draw either by pen or digitally. If you sign with a pen, it is important that your signature is the same as the signature on your proof of identity. Your signature itself is a means of control for the bank. They check whether your signature matches the signature on your proof of identity. This is the way for the bank to check your identity and prevent identity fraud.

If you sign digitally, you use your bank account to sign. You transfer 1 eurocent for signing. The bank is thus enabled to check whether this bank account is actually in your name. To close this bank account, you have already identified yourself once. When digitally signing your contract, you use a link that is ready for you in the My Environment. Your personal online environment.

A copy of a valid ID

A copy of a valid ID

 

For verification, we need a copy of a valid proof of identity. Most customers identify themselves by means of a copy of a passport or identity card. A copy of a driver’s license is only permitted in exceptions. This is because the loss or theft of a driver’s license is not registered nationally, which increases the risk of a document that has been incorrectly demonstrated for banks.

Do you only have a valid driver’s license? Then ask 1 of our credit specialists about the possibilities? All important identification documents contain a number of important control data. The bank checks this data for accuracy, this is a way to prevent fraud. With an identity card and a driver’s license there are a number of check details on the back. That is why you must prove both the front and the back with these identification documents.

A copy of a recent salary slip or a benefit specification

A copy of a recent salary slip or a benefit specification

 

Lending money must always be justified. This means, among other things, that you must have sufficient income. You prove this income by means of a payslip or a benefit specification in the event of retirement and disability. These documents must be recent so that the bank calculates with the correct income. A payslip can therefore be a maximum of 2 months old. A payment specification is in any case provided in the month of January. It is therefore important that there is a date on the relevant document.

A copy of a recent bank statement

A copy of a recent bank statement

 

The bank with which we cooperate request one-off continuous bank statements from you. Contiguous means all debits and credits from this period, without selections or cancellations. The bank would like to check whether you meet your obligations and whether there are any recurring monthly payment schemes. That too is part of responsible lending. The banks also want to see that the income that you receive is actually deposited into your account. And the banks want to see that your housing costs correspond to the housing costs that you have specified. You do this by demonstrating the depreciation thereof.

A copy of the repayment balance of your current loan

A copy of the repayment balance of your current loan

 

It often happens that existing loans are redeemed when taking out a new loan. The bank takes care of the repayment of your existing loan (s). They do this on the basis of a payment balance. The payment balance may be a maximum of 2 months old and must state the outstanding balance of your loan. This enables the bank to transfer the correct amount. It is important that the contract number and the name of the company are also on the payment balance. As a result, the bank knows to whom, and stating where, they should transfer the money.

Is this all?

Is this all?

 

In many cases, these are all documents that the bank requests. In a number of situations it may happen that additional information is requested. With Postkrediet you always receive a personal quote with a personal checklist within 24 hours. It explains which documents the bank needs from you in your situation. Your quotation and checklist are prepared for you in your own personal environment.

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Homeowners borrow cheaply with personal loan http://www.sanidomecanin.com/homeowners-borrow-cheaply-with-personal-loan/ http://www.sanidomecanin.com/homeowners-borrow-cheaply-with-personal-loan/#respond Sun, 23 Jun 2019 16:37:32 +0000 http://www.sanidomecanin.com/homeowners-borrow-cheaply-with-personal-loan/

Have a garage built or create extra space with an extension? Or maybe a new car is on your wish list. How do you finance this? Borrowing money as a homeowner means that you can opt for our homeowner Personal Loan. This is the new name for the personal loan. This loan, with a minimum loan amount of € 10,000 and a maximum amount of € 75,000, has been specially developed for people with an owner-occupied home.

Borrow money for homeowners

Borrow money for homeowners

With this loan you can borrow money more cheaply online. You have a owner-occupied home and with this you offer the bank more certainty with regard to people with a rental home (a home has value, a home does not). You can borrow more at a lower interest rate.

Nowadays, anyone with an owner-occupied home can apply for a Home Loan. With the former personal loan, surplus value on the home was a requirement. That no longer applies. You also no longer need a valuation report. An assessment at the BKR is still part of the application. Of course we also look at your total financial situation, so that it is a responsible loan that you take out.

Characteristics

Characteristics

Just like a “normal” Personal Loan, this loan has a fixed interest rate and term. You pay the same amount in installments and interest each month so that the loan is fully paid off at the end of the term. You borrow at a low fixed interest rate.

In the meantime, you can always repay the loan extra free of charge. You thereby shorten the term of the loan; the monthly charges will remain the same. Ultimately, thanks to the extra repayments, you pay back less credit to the bank.

In the case of a renovation or home improvement of the first home, the interest costs are also tax deductible. You do not have to spend the loan amount of a homeowner Personal Loan on home improvement; the loan is independent of the spending objective. However, the tax benefit does not apply. See www.belastingdienst.nl for more information.

Cost

Cost

The costs of a homeowner Personal Loan are different per situation. It depends on the amount of the loan amount and the associated interest. Through our calculation tool you can calculate online what the loan will cost you every month during the chosen term.

Benefits

  • Attractive low interest thanks to a house
  • Security thanks to a fixed interest rate and duration
  • Always pay extra extra free of charge
  • No valuation report required
  • No closing and advice costs
  • The request will be processed by the bank within two working days (provided that the customer has supplied all correct documentation according to the parts list). After a positive result, the money can be credited to your account within two working days.
  • Tax benefit if the loan is used for improvement or renovation of the home
  • The borrowed money does not have to be spent on renovating or improving the home; spending objective is free.
  • You can request a loan from the age of 21 up to and including your 74th year (you have repaid the total loan at the end of the term)

Partly convert mortgage to a Personal Loan

Partly convert mortgage to a Personal Loan

You can convert part of your mortgage to a homeowner Personal Loan. That may not make sense, but in the meantime we have considerably reduced the annual costs for various customers in this way. There is a good chance that you too will benefit from a conversion to a personal loan homeowner.

Do you want to receive a personal calculation example? Contact our adviser; he makes a customized calculation.

To request

Do you have a house for sale and do you want to apply for a loan with a low interest rate? Then complete the application form for a homeowner Personal Loan. Our adviser will contact you to discuss the application. You will then receive a quote free of charge and without obligation that fully meets your wishes.

Below you will find an indication of the interest rates with different loan amounts.

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Financing a chalet: Mortgage or Loan? http://www.sanidomecanin.com/financing-a-chalet-mortgage-or-loan/ http://www.sanidomecanin.com/financing-a-chalet-mortgage-or-loan/#respond Tue, 18 Jun 2019 17:07:25 +0000 http://www.sanidomecanin.com/financing-a-chalet-mortgage-or-loan/

A chalet as a holiday home or as an investment. Financing your chalet with your own money means being the owner immediately and having no financing costs. You can recreate in your chalet as an owner, but you can also rent the chalet and in this way generate extra income with the chalet. Whatever your goal is, most people do not have sufficient financial resources of their own. Then you look for possibilities. Are you taking out a mortgage or a loan? We are happy to advise you which loan type fits your situation.

Mortgage for chalet

Mortgage for chalet

 

Financing a chalet through a mortgage is no longer possible due to stricter regulations regarding mortgage lending; only the first home can be fully financed from a mortgage. A second home, such as a chalet or holiday home, is only financed to a limited extent by the bank. You will have to contribute most of the financing yourself.

Mortgage interest deduction and surplus value

In the Netherlands we have the favorable tax measure for mortgage interest deduction. This is not applicable in this case because the benefit rule only applies to the first home.

It is, however, possible to use the surplus value of your current owner-occupied home to pay for the chalet. You then increase the mortgage and your chalet will be financed from this increase.

Another possibility for financing a chalet is through a loan

Loan for a chalet

Loan for a chalet

 

Financing your chalet with a loan instead of through your mortgage can be done with two forms of loan: a personal loan or a revolving credit. The duration of a personal loan compared to a mortgage is short: a maximum of 10 years compared to 30 years. When taking out a personal loan, the interest and the term are fixed. With this your monthly charges are fixed. Compared to a mortgage increase, the monthly costs of a personal loan are higher (due to the shorter term at the same loan amount). With a personal loan you do not pay advice and closing costs while with a mortgage you do have to deal with closing costs and extra costs for the notary if the registration on the property is not high enough.

The term of a revolving credit is not fixed. The interest rate fluctuates and is subject to interest rate fluctuations. If you borrow more than the required loan amount, you have extra money at hand for, for example, unexpected costs. This loan form gives you flexibility and more control over your own money.

You can redeem extra for both types of loan free of charge and use this to repay your loan earlier. With a mortgage you can only repay a certain amount without penalty.

Personal Loan for a chalet

  • Borrow a fixed amount once
  • Fixed interest and duration
  • Borrow up to € 150,000
  • Pay off extra without penalty
  • No closing costs or consultancy costs
  • Advice from qualified advisers

Apply for chalet financing

Apply for chalet financing

 

A chalet as a recreation or investment. Regardless of the destination you buy the chalet with, we offer you favorable interest rates and associated conditions with a customized loan. We will prepare a quotation for you after you have completed our loan application form. This is completely free and without obligation! You can then make a choice and we will start working for you so that the bank can proceed to pay your loan amount.

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Financing extension with a Loan http://www.sanidomecanin.com/financing-extension-with-a-loan/ http://www.sanidomecanin.com/financing-extension-with-a-loan/#respond Wed, 29 May 2019 16:25:26 +0000 http://www.sanidomecanin.com/financing-extension-with-a-loan/

 

Loan or mortgage for construction

Loan or mortgage for construction

A loan is often the best loan form to finance a renovation. If you borrow less than € 25,000, a loan for an extension is always cheaper than a second mortgage. Only if you borrow more than € 50,000 is an additional or increased mortgage cheaper. Which loan is best for you and how much you can borrow depends on your personal situation. Be well informed in advance about the possibilities.

Loan for extension: the options

Loan for extension: the options

You can borrow money for an extension with one of the following loan products:

  • Personal loan
  • Revolving credit

A Personal Loan is a credit with a fixed interest rate, a fixed term and a specific loan amount. A revolving credit has a variable interest rate and no fixed term. The Continuous Credit is the most flexible loan form.
Homeowners borrow at an extra low interest rate with their home as collateral.

Loan for construction deductible?

Loan for construction deductible?

Only a Personal Loan for an extension is tax deductible. The interest on a Revolving Credit is generally higher and not deductible.

Responsibly borrowing money for an extension

Responsibly borrowing money for an extension

A loan is usually the cheapest way to finance an extension. Do you want to take out a loan for an extension? Request a quote without obligation and receive our response within 24 hours.

Interest rates Personal Loan

Interest rates Personal Loan

The costs of a Personal Loan are based on your personal situation. The fixed interest rates for a Personal Loan from Creditomor are:

  • With a Personal Loan the minimum duration is 6 months and the maximum duration is 120 months.
  • The minimum interest rate is 3.9% and the maximum statutory interest rate is 14%.
  • There are no additional costs.

Interest Rates Ongoing Credit

Interest Rates Ongoing Credit

The costs of a Continuous Credit depend on the amount of the credit limit. The monthly repayment of the Revolving Credit is a percentage of the credit limit, 1 to 2%. The interest on the revolving credit is variable. You only pay interest on the outstanding balance. The variable interest rates for a Revolving Credit from Creditomor are:

  • With a Continuous Credit the minimum duration is 1 month. The maximum duration depends on the interest, extra repayments and extra withdrawals.
  • The minimum interest rate is 4.5% and the maximum statutory interest rate is 14%.
  • There are no additional costs.
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Compare interest for a Personal loan? http://www.sanidomecanin.com/compare-interest-for-a-personal-loan/ http://www.sanidomecanin.com/compare-interest-for-a-personal-loan/#respond Mon, 20 May 2019 17:06:45 +0000 http://www.sanidomecanin.com/compare-interest-for-a-personal-loan/

With a Personal loan you opt for security. Certainty of a fixed monthly period and interest. The amount of the interest largely determines the amount of the monthly installment. The lower the interest rate for your Personal loan, the lower your monthly installment will be.

Postal credit works together with a selective number of banks, where you can request multiple quotes for free. If you wish, you can compare these with each other and use the lowest interest rate on your Personal Loan.

Early repayment – Can be free of fines

Early repayment - Can be free of fines

For new personal loans to be taken out, you can repay this penalty-free at once or in parts. If you now have an existing personal loan, it is advisable to look at the conditions. This is because it is possible that your contract still includes a penalty for early repayment. This fine decreases as the term of your loan expires. If you are unsure whether a fine applies to you or do you wish to submit this? 

Fixed interest

Fixed interest

The Personal loan has a fixed interest rate which is determined in advance for the entire term. Do you want to know in which low interest rates Mail Credit can mediate? Request a quote online.

Interest overview Personal loan

Interest overview Personal loan

In the overview below, PostLoancod has set out a number of examples of interest rates for a Personal loan, not being a Revolving credit. This concerns the lowest rates that PostLoancod can offer. The credit amounts in this overview range from € 10,000 to € 50,000. The monthly installment that you ultimately pay depends on the desired duration and the interest for which you are eligible. This depends, among other things, on your personal and financial situation.

 

Rates Personal Loan

Rates Personal Loan

credit amount installment amount debit interest on an annual basis (fixed) annual cost percentage duration of credit agreement in months total amount payable by the consumer
€ 50,000 € 502 3.9% 3.9% 120 months € 60,269
€ 40,000 € 405 4.0% 4.0% 120 months € 48,654
€ 30,000 € 304 4.0% 4.0% 120 months € 36,490
€ 20,000 € 205 4.4% 4.4% 120 months € 24,658
€ 10,000 € 111 5.8% 5.8% 120 months € 13,551

This calculation is a guideline and you cannot derive any rights from it. We assume the lowest interest rate that we can offer you. The exact interest rate depends on your personal circumstances and may vary. The minimum duration is 6 months and the maximum duration is 120 months. The minimum interest rate is 3.9% and the maximum statutory interest rate is 14% per year.

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Renovation: Financing dormer window – Personal Loan http://www.sanidomecanin.com/renovation-financing-dormer-window-personal-loan/ http://www.sanidomecanin.com/renovation-financing-dormer-window-personal-loan/#respond Mon, 20 May 2019 17:05:33 +0000 http://www.sanidomecanin.com/renovation-financing-dormer-window-personal-loan/

You want more space on the upper floor; installing a dormer window can realize that. Often an attic room with a sloping roof becomes a full room after the installation of a dormer window. How do you finance this renovation? Many consumers opt for a loan as financing for this loan goal. We are happy to advise you which loan type is the best choice for your situation. The costs for the purchase and installation of dormer windows can rise. With a loan you can pay the costs per month at a low interest rate.

Personal Loan or Revolving Credit

Personal Loan or Revolving Credit

Do you opt for a Personal Loan or a Continuous Credit? Most people choose a Personal Loan to finance a dormer window. This form of loan provides security because of the fixed interest, duration and monthly charges. You choose a Continuous Credit if, for example, you not only want to finance the dormer window but also want to have extra money in hand that you can then use flexibly. Take into account the fact that the interest is not fixed but is variable.

Tax benefit with Personal Loan

Tax benefit with Personal Loan

You are eligible to deduct the interest costs if you opt for a Personal Loan and if that loan is intended for home improvement. This tax benefit applies to a Personal Loan that you use for the purchase, improvement or renovation of your owner-occupied home. A revolving credit does not have this tax benefit. You can redeem and redeem any fine on both a Personal Loan and a Continuous Credit.

Purchase by installment

Purchase by installment

The supplier of the dormer can sometimes buy on installment offer. Arranging your purchase and financing in one place is efficient. But it is an expensive form of financing. The interest that you have to pay is high: the lender sometimes charges 14% interest, the maximum legally permitted rate. And what are the associated conditions? Fine-free redemption is not always permitted. With both a loan and an installment purchase, you pay monthly costs in arrears in interest and repayment. The difference lies in the calculated interest rate and the conditions.

Co-financing with a mortgage

Co-financing with a mortgage

Financing a dormer window with a mortgage was until recently a much-chosen option. With effect from 2018, this is no longer possible, since the maximum amount to be financed for a mortgage has been reduced from 101% to 100%. For renovations and financing the costs of the buyer, the buyer will have to turn to other financing options or use his own money; the increase in your mortgage is a thing of the past.

The disadvantage of financing with a mortgage compared to a loan was the long term (30 years) and interim repayment was not always possible.

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Payday loan or a revolving credit http://www.sanidomecanin.com/payday-loan-or-a-revolving-credit/ http://www.sanidomecanin.com/payday-loan-or-a-revolving-credit/#respond Fri, 12 Apr 2019 16:23:51 +0000 http://www.sanidomecanin.com/payday-loan-or-a-revolving-credit/

Perhaps you doubt whether you want a payday loan or a revolving credit. If you are wondering this, it is best to ask yourself exactly how much you want to borrow and for what. This can determine which type of credit suits you best. If you need a loan for something specific, the payday loan is more suitable for you. For example, if you want to borrow money for a car, kitchen, vacation, caravan or motorcycle, then the payday loan is probably more suitable than a revolving credit.

A disadvantage of the payday loan is that you may not be able to pay off early. Advantages of a payday loan are that the loan has a fixed term and also has a fixed (usually) lower interest rate. This interest is often low because many banks and companies compete to win you in as a customer. When applying for a loan, you can ask lenders to find out how high the interest rate actually is because many interest overviews on the internet are not up-to-date.

Exactly how much money do you want to borrow?

Exactly how much money do you want to borrow?

If you want more money without having a specific goal, then a revolving credit is suitable for you. With a revolving credit, you can have an amount of money that you indicate yourself, provided you receive the loan. You can withdraw money from your account when and how much you want. You can also repay the borrowed money without penalty whenever you want, but you can also withdraw the money if you wish. Because you can pay off without penalty, different lenders also charge different interest rates that can often be higher than with a payday loan.

On the other hand, the advantage of a revolving credit is that you determine how long the term of the loan is because you pay off when you want. That is why it is called a revolving credit. If you compare revolving loans, it is most important that you ensure that the loans you compare have the same term. You can easily consult various providers online and you will know within 10 minutes how high the interest is and luckily this is also completely free of obligation.

The cost

The cost

You can get a revolving credit by requesting a quote from a lender. Just like the payday loan, the revolving credit is a very popular loan in the Netherlands. If you want more flexibility in your bank account, the option of being in the red at times can offer a solution. You have this flexibility with a revolving credit. A revolving credit gives more freedom and flexibility because the repayment can be free of penalties and you can also re-take the repaid amounts if necessary. Furthermore, the term of a revolving credit is also flexible because you can repay extra in the meantime. If these characteristics of the revolving credit appeal to you, you can ask the lender about the interest that you have to pay on the revolving credit because this is generally higher than the interest on a payday loan.

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