What we do not do
- No interest rates or cost percentages
- No loan amounts
- No advice on the form of finance
No finance advice · information · referral
This page explains how to judge information about property finance for yourself. We do not offer that finance. We insure the property bought with it.
Deze pagina in het Nederlands: Informatie over vastgoedfinanciering.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Finass Verzekert (AFM 12016589) advises and acts as an intermediary in non-life insurance. Financing property falls under a different licence category. This page therefore contains information and not an offer: no rates, no loan amounts and no advice on a form of finance.
Please note: borrowing money costs money. The heart of every comparison is the annual percentage rate (APR): it expresses interest and compulsory costs in one figure and thereby makes offers comparable. The monthly payment does not, because a longer term reduces the payment and in fact increases the total. With consumer and mortgage credit, every licence holder consults the BKR (the Dutch credit register) from 250 euros and a term of more than a month.
What you do get from us is the insurance side: which policy the lender requires, on what value and with what entry. See financing property for an overview.
The division of roles in three cards, with beneath them who supplies each subject.
We provide no credit information and no rates.
What you can check yourself before you go further.
Explanation and delivery on the insurance side.
What is covered
| Situation | At Finass Verzekert | With the licensed provider |
|---|---|---|
| Statutory credit information and APR | No | Yes |
| Calculation of your borrowing capacity | No | Yes |
| Advice on the fixed-rate period and repayment method | No | Yes |
| Explanation of the buildings policy required | Yes | No |
| Establishing the rebuild value | Yes | Provided that |
| Liability as the owner of the building | Yes | No |
What is actually covered is set out in the insurer's policy conditions and insurance card (verzekeringskaart).
Four checks you can carry out before doing business with a party.
Every party advising on or acting as intermediary in credit must appear in the AFM's public register. A quality mark, a logo or a low interest rate on the homepage says nothing about that. Search on the statutory name, not just the trade name.
Two quotations with the same monthly payment can differ by hundreds of euros in total. So always ask for the annual percentage rate and the total amount over the term, including arrangement and valuation fees. Without those two figures you are comparing apples with pears.
With consumer and mortgage credit, consulting the BKR from 250 euros and a term of more than a month is standard practice among licence holders. A party advertising loans without a check generally operates outside supervision and offers you no protection whatsoever.
At the foot of virtually every finance quotation it states which insurance is required: buildings cover on rebuild value, with the financier as interested party. Arrange that before the deed is executed. If you do it afterwards, completion is delayed.
This overview is general in nature and is not personal advice.
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.
This is what people ask us most.
Because we hold no licence for credit and may therefore not present a credit offer. Rates, maximum amounts and the information prescribed by law come from the provider itself. Please note! Borrowing money costs money: compare offers on the annual percentage rate of charge.
From licensed providers and advisers, and from the AFM's public register. Always ask for a services guide setting out how the party is paid and with how many lenders it works. That says more about independence than the text on the website.
The annual percentage rate of charge expresses interest and compulsory additional costs as a percentage per year. That allows you to set offers with different terms and cost structures side by side. A lower monthly payment is no proof of a cheaper loan. Often it just means a longer term.
Generally buildings insurance on rebuild value with the financier as interested party. Where the property is let, the form of letting must appear on that policy, otherwise Article 7:928 of the Dutch Civil Code comes into play and the insurer can reduce payment under Article 7:930 DCC. Glass, loss of rent and liability are separate covers.
We do not advise on the finance. On the policy that goes with it we do.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.
Verzekeringen:
/
Huis en gezin
Opstalverzekering
Inboedelverzekering
Aansprakelijkheid
Rechtsbijstand
Gezinsongevallen
Kostbaarheden
Zorgverzekering
/
Verkeer
Autoverzekering
Klassieker
Oldtimer
Bestelauto
Scooterverzekering
Motorverzekering
Kampeerauto
Caravan
Qaud/ trike/ mp3
Aanhangwagen
Scootmobiel/ Segway
Fietsverzekering
/
Recreatie
Kortlopende reis
Doorlopende reis
Annulering
Recreatiewoning/ chalet
Pleziervaartuig
Golfverzekering
Vakantiehuis
/
Verzekeringspakket
Particulieren verzekeringspakket
Exclusief-verzekeringspakket
/
Exclusieve-verzekeringen
Autoverzekering
Jachtverzekering
Opstalverzekering
Inboedelverzekering
Kostbaarheden
Verzekeringen:
/
Aansprakelijkheid en overige varia
Bedrijfsaansprakelijkheid
Beroepsaansprakelijkheid
Bestuurdersaansprakelijkheid
CAR-verzekering
Cyberverzekering
WEGAS/ WEGAM
Rechtsbijstand
Evenementen
/
Bedrijfsmiddelen
Bedrijfsschade
Geldverzekering
Opstalverzekering
Extra kosten
Milieuschade
Machinebreuk
Inventaris
Garageverzekering
/
Transport en zakenreis
Vervoer van eigen zaken
Goederentransport
Individuele zakenreis
Collectieve zakenreis
Container/ trailer
/
Verkeer
Personenauto
Bestelauto
Motor
Werkmaterieel
Aanhangwagen
Vrachtauto
Taxiverzekering
Oldtimer
Wagenpark
/
Ziekte en arbeidsongeschiktheid
Arbeidsongeschiktheid
Verzuimverzekering
/
pakketten
MKB-pakket
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheidsverzekering ZZP
Beroepsaansprakelijkheid ZZP
Bouw en Montage verzekering ZZP
Rechtsbijstandverzekering ZZP
/
Bedrijfsmiddelen
Inventaris- en Goederenverzekering ZZP
Eigen Vervoerverzekering ZZP
/
Pakketten
Verzekeringspakket ZZP
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheid VVE
Bestuurdersaansprakelijkheid VVE
Ongevallenverzekering VVE
Rechtsbijstandverzekering VVE
/
Bedrijfsmiddelen
Gebouwenverzekering VVE
Glasverzekering VVE
Milieuschadeverzekering VVE
Eigenaarsbelang vve opstalverzekering
Slapende vve opstalverzekering
VvE verzekering eigen huis
VvE inboedelverzekering
/
pakketten
VvE-pakket
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheid
Bestuurdersaansprakelijkheid
/
Bedrijfsmiddelen
Bedrijfsgebouwen
Glasverzekering
Glas kantoren/ flat en woonhuis in de verhuur
Verhuurde woonhuizen
Inventaris / Goederen / Huurdersbelang
Milieuschadeverzekering
/
Special
Studentenhuis
Kamerverhuur
Hotel
Horecapand
Kantoorpand
Grachtenhuis
Tweede woning
Vakantiewoning
Rijksmonument
Bedrijfsverzamelgebouw
Fundering
Beleggingspand
Loods
Garage
Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
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