How much can I 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.

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.

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.

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.

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.