Lending money starts with a test of your ‘creditworthiness’. In this way, the lender makes an assessment of whether you are able to repay the loan. The test consists of two parts, want to know more about all these kinds of subjects and geld lenen met bkr? Be sure to check out this site met informatie.
Fixed and stable income
First of all, your income has to be fixed and stable. This does not mean, however, that only people with a permanent contract can get a loan. You can also borrow money with a permanent benefit, such as a disability benefit. In recent years, the loan possibilities for independent entrepreneurs have become more extensive.
- The amount of your income ultimately determines how much you can borrow. Thus it is very important to make sure that all the needs from creditors are met when you want to start borrowing money.
In addition, lenders check whether you have any other loans. They do this at the Bureau Krediet Registratie (BKR). All loans taken out in the Netherlands are registered with the BKR foundation. For a long time, access to your file at BKR was limited. On average, no further costs may be charged for this.
Loan no problem with BKR registration
- Chances are you’re registered with BKR. In addition to consumer credit, mortgages, overdrafts, credit cards and some telephone subscriptions are also classified as loans.
- For the sake of clarity, a BKR registration does NOT mean that you cannot take out a loan. Lenders do check whether it is responsible to take out a new loan in addition to your current loan(s) and how high it can be.
- In fact, a BKR registration can even work to your advantage. If you have always kept to the payment obligation, this is positive for your risk profile. Companies are then more willing to provide the loan.