Saving & borrowing:

• • To borrow
• • Save
• • Investing

• 1. Compare the most complete range of loans

  Indicate your borrowing purpose, what amount you want to borrow and enter some information about yourself. We will then show you the most complete range of loans available for your situation and wishes. The loan with the lowest interest rate is always at the top.

• 2. Request a quote without obligation

  Have you found the loan of your choice in your loan comparison? Then you can simply request a no-obligation quote online. In the quotation you will find all details and conditions of the loan. You will usually receive this quote the same working day.

• 3. Sign the quotation and provide documents

  Do you want to apply for the loan from the quotation? Then you return the signed quotation, together with the documents requested by the lender. You can easily upload these documents into your personal online environment.

• 4. Receive the money in your account

  The lender checks the documents you provide. If everything is in order, you will receive the money in your account within two working days.

• Can I transfer my loan?

  You can also transfer your current loan. But it's good to know that there are conditions and sometimes costs involved.

• How do you calculate the maximum amount I can borrow?

  We think it is important that you borrow responsibly. So we look at your income. But also take into account your fixed costs, such as a mortgage. This way we can accurately estimate your credit limit.

• Can I still borrow money with a BKR registration?

  If you borrow money, this is registered with the BKR. With this registration it is often still possible to get a loan. Have you fallen behind on payments? Then borrowing becomes a bit more difficult.

• How can I borrow money quickly?

  Borrow money quickly? Then you want to be sure that you can pay the monthly costs and the interest is low. At Independer we also think it is important that you do not get into trouble due to a loan. Before you can choose your loan, we will first show you whether you can borrow the desired amount responsibly. The amount you can borrow in your situation depends on various factors .

• Which products can you compare?

  On our website we compare more than 50 different loan products from a large number of lenders. At Independer we compare on interest and conditions, so that you can easily find the best and cheapest loan.

• How can I borrow money quickly?

  Borrow money quickly? Then you want to be sure that you can pay the monthly costs and the interest is low. At Independer we also think it is important that you do not get into trouble due to a loan. Before you can choose your loan, we will first show you whether you can borrow the desired amount responsibly. The amount you can borrow in your situation depends on various factors .

• What is a model portfolio?

  At many financial institutions you can invest via model portfolios. These match the different risk profiles. Depending on your risk profile, a specific portfolio is recommended. Just like your risk profile, this can vary from very cautious to very risky.  

  Each model portfolio has a general, standard distribution. With a very risky portfolio, your investment can be 100% invested in shares. A very cautious portfolio does not invest in shares, but rather in bonds and liquidities. By spreading your investment across different categories, the risk is lower.

• What is an investment fund?

  You can also choose to invest through an investment fund. That is a kind of gathering point for investors. You collectively contribute money together with others. Depending on the type of fund, products are then used to purchase products. The most common funds are:  

  • equity funds
  • mixed funds
  • real estate funds
  • bond funds

  An investment fund often specializes in certain sectors, companies and regions. In this way, risks can be better spread and the aim is to achieve the highest possible return.  

  Do you want to invest through an investment fund? Please contact your bank or financial advisor for more information.  

• What does investing money cost?

  Do you want to start investing? Then it is smart to inform yourself well about the costs and options. This way you prevent unexpected surprises. The costs of investing differ per situation and per financial institution. The more work you outsource, the higher the costs are often. Example: an asset manager is often more expensive than if you invest yourself with advice from an advisor. Are you going to invest yourself? Then it is good to know that this also entails costs. There are always costs associated with purchasing and selling. Do you trade a lot? Then the costs can quickly add up.

• Is investing the right choice for you?

  Investing with a high return sounds attractive. But it is wise to first determine whether you actually have the money to invest. First, make sure you have the necessary buffer. You can easily check this via the Nibud buffer calculator . With a buffer you always have enough money on hand.

• How can I save ten percent of my income?

  Finass Verzekert recommends saving 10 percent of your income, but we understand that it is not easy for everyone and sometimes not feasible. Then see what works, because a buffer can prevent many financial problems.

• How can I save more easily?

  Saving is not always easy, especially with a low income. Good insight into income and expenditure helps. There are also ways to put money aside without immediately feeling it in your wallet.

• How high is a good buffer?

  A buffer is a reserve fund to be able to pay unexpected, larger and necessary expenses immediately. For example, appliance repairs. The amount of a sensible buffer varies per household.

• How can I save for my (grand) child?

  There are parents and grandparents who would like to save for their (grand)children. For example for a study, driving lesson or their 18th birthday. You can open a savings account but also donate an amount.

• Is it wise to invest?

  Do you want to invest in shares, bonds or cryptocurrency, for example? Make sure you always have a financial buffer and that you do not run into financial problems if the returns are disappointing. Also, don't invest in things you don't understand.

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