What we do not do
- No calculation of your borrowing capacity
- No income or BKR check
- No credit advice and no intermediary services
How much can I borrow?
We arrange insurance. We do not lend money and we do not act as an intermediary for lending. What we do here is explain who determines your maximum loan amount and what to look at before you sign.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Please note: borrowing money costs money. How much you can borrow is not for you to decide, and not for us either. A licensed provider assesses your income, your fixed costs and your current credit. That assessment is not a formality but a statutory duty intended to prevent over-borrowing.
Finass Verzekert advises on and arranges non-life insurance. Consumer credit and mortgage credit fall under a different licence category. We therefore do not calculate a loan amount, give no credit advice and do not act as an intermediary. We only explain how the assessment works, so that you can read an offer.
Compare offers on the annual percentage rate (APR), not on the monthly payment. The APR brings interest and costs together in one percentage per year and makes offers comparable. Every licensed provider consults the BKR for credit of € 250 or more with a term of longer than one month.
Insurance never stands alone
A mortgage, loan or investment often touches your insurance too. We look at the bigger picture and point you to the right specialist whenever something falls outside insurance itself.
FinancialPhoto coming soon
OverviewPhoto coming soon
AdvicePhoto coming soon
Who does what with a borrowing question?
Three cards showing where our role ends and where the provider's begins.
What to look out for
The three things that determine what a loan really costs you.
- The APR, not the monthly payment
- The total cost of credit over the term
- The scope for repaying early without a penalty
What we do provide
What you can come to us for, alongside a loan as well.
- Home, traffic and liability
- Business and property insurance
- A review of your existing policies
What is covered
| Situation | At Finass Verzekert | With the licensed provider |
|---|---|---|
| Calculating your maximum loan amount | No | Yes |
| An income and BKR (the Dutch credit register) check | No | Yes |
| Advice on the form of loan and the term | No | Yes |
| Statutory credit information and APR | No | Yes |
| Advice on your non-life insurance | Yes | No |
| Assessing cover for a refurbishment or a purchase | Yes | No |
This overview is general in nature and is not personal advice. The loan amount always follows from the provider's own assessment.
What to look out for when comparing
- Annual percentage rate: the only figure that lets you compare offers fairly
- Term: borrowing for longer lowers the monthly payment and raises the total price
- Total cost of credit: what you have paid in total above the amount you borrowed
- Penalty-free repayment: whether you can make extra repayments without a charge or a threshold
- BKR check: compulsory from € 250 and a term longer than a month
- AFM licence: check the provider in the AFM's public register
This overview is general in nature and is not personal advice.
How it works
- You will read what to look out forThis page explains which figures make an offer comparable.
- You compare licensed providersFirms with an AFM licence calculate how much you can borrow and assess it.
- You check the providerLook the party up in the AFM's public register before you sign.
- We handle your insuranceFor buildings, home contents, liability and business cover you can come to us.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a loan that stays affordable and one that does not.
The monthly payment says nothing about the price
A lower monthly payment almost always means a longer term, and therefore more interest in total. So compare on the annual percentage rate and also look at the total cost of credit: the amount you have paid at the end over and above what you borrowed. Two offers with the same monthly payment can differ by hundreds of euros.
What is taken into account in the assessment
The provider looks at your net income, your housing costs, your household composition and fixed obligations such as maintenance payments. Current credit and credit card limits registered with the BKR count as well, even if you do not use them. A student debt is not recorded at the BKR, but you do have to declare it.
A rejection is information, not an obstacle
If you are refused, that says something about how affordable the payments are given your income and expenditure. It is tempting to look further for a party that will say yes. Providers advertising borrowing without a BKR check normally do not hold a Dutch licence. That route is almost always the most expensive and gives you no right of complaint to Kifid (the financial services complaints institute).
Our role and our remuneration
We receive a fee if you submit an application through our referral. In doing so we collect no data ourselves, compare no providers and recommend no product. You are free to choose another party. Check that party in the AFM register before you sign.
Frequently asked questions
This is what people ask us most.
Does Finass Verzekert calculate how much I can borrow?
No. We advise and act as an intermediary in non-life insurance only and hold no licence for credit. Your borrowing capacity follows from the assessment a licensed provider carries out itself on your income, your fixed costs and the obligations registered against you at the BKR. Here we only explain how that assessment works.
Why does the amount differ from provider to provider?
Within the statutory framework, providers apply their own standards for matters such as rent, household composition and how variable income is counted. The amount calculated can therefore vary. A higher amount is not a better offer: look at the annual percentage rate of charge and at what you can really carry on your income.
Does a credit card I never use count?
Normally it does. What is registered at the BKR is the limit, not the balance used. An unused limit therefore reduces your borrowing capacity. The same applies to revolving credit and instalment payments. If you want to change that, you have to have the limit reduced by the provider or end the product.
What is the difference from a mortgage?
Different statutory standards apply to mortgage credit and the value of the home is taken into account. That too falls under a licence category we do not hold. We do insure the home itself: a lender normally requires buildings insurance (opstalverzekering), and you can take that out through us.
Can I borrow without a BKR check?
In the Netherlands, practically speaking, no. Licence holders are obliged to consult the BKR for credit from € 250 with a term longer than a month. Parties claiming otherwise normally operate without a licence or from abroad. You then miss the statutory protection and the right of complaint that comes with a licence holder.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Borrowing money: we refer you onPlease note: borrowing money costs money, APR, BKR check
- Borrowing money quickly without a BKR (the Dutch credit register) checkPlease note! Borrowing money costs money, BKR check, warning
- Insulation: financing and insurancePlease note: borrowing money costs money, APR, buildings insurance
- Save or borrow?Please note! Borrowing money costs money, APR, buffer
- Borrowing money without a BKR (the Dutch credit register) check: a warningPlease note: borrowing money costs money, The BKR check is compulsory, Not an offer
- Personal loan: we refer you onPlease note: borrowing money costs money, Fixed interest, BKR check
- Information about property financeNo finance advice, information, referral
Read more
Would you like your insurance with us?
We compare what several insurers offer and check whether your cover still suits your situation.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.