Follow the steps, we calculate which mortgage is really the best deal.
This helps us estimate all costs correctly: notary costs, insurance and bank products per proposal.
Purchase price or estimate
Total amount at the bank
Rather high, banks sometimes charge a premium.
If two people borrow together, both incomes count and you can often borrow more.
Borrower 1
Optional
Between 18 and 75. Affects maximum term.
Affects the credit score at the bank.
Banks look at your financial capacity: how much can you afford each month? Fill in your net income and fixed expenses, excluding the new loan itself.
Net = after taxes. With two borrowers: combine the total here or add extra income per borrower.
Think of: car loan, alimony, other credits, subscriptions. No rent if you will stop it soon.
Bank account
Current account at the bank (usually free or low cost)
Salary domiciliation
Net salary paid into the bank account, usually yields an interest discount
Fire insurance
Mandatory for a mortgage; with the same bank = advantage on interest rate
Death cover 100%
Upon death the remaining balance (100%) is repaid; banks require this as a condition
Death cover 200%(2 borrowers required)
Both borrowers 100% each; upon death of either the loan is fully repaid and the survivor retains their cover
Automatically added to each proposal:
You will fill in the exact premium per bank on the proposal.