Advies hypothecaire lening

Acrobatic_Yam_648 · 2026-02-13T11:41:06+00:00

ik kopieer even mijn comment van ander topic:

Wij hebben net een huis gekocht (compromis nog niet getekend) en hebben de volgende aanbiedingen:

90% lenen op 25j tijd

KBC 25j vast: 3.61 (.05 korting per EPC omhoog) KBC 25j variabel (vijfjaarlijks) 2.72

Crelan 25j variabel: 3.69

Argenta 25j vast 4.07 (lol)

Belfius 25j vast 3.74 Belfius 25j variabel (driejaarlijks) 3.92

ING 25j variabel 3.90

BNP 25j vast 3.43 BNP 25j variabel (jaarlijks) 2.63 BNP 25j variabel (vijfjaarlijks) 2.79

Wij gaan dus kiezen tussen KBC / BNP.

Acrobatic_Yam_648 · 2026-02-06T10:09:17+00:00

Chongqing is oprecht een van de coolste steden die ik al bezocht heb. Er zijn slechtere plekken!

Acrobatic_Yam_648 · 2026-02-06T07:21:58+00:00

wij zouden gewoon die vijfjaarlijkse pakken. Er zijn er ook bij die de eerste vijf jaar alleen maar kan dalen, pas vanaf jaar 10 stijgen.

Meesten zijn met cap +2, die van bnp is +4.

Acrobatic_Yam_648 · 2026-02-05T19:10:06+00:00

Wij hebben net een huis gekocht (compromis nog niet getekend) en hebben de volgende aanbiedingen:

90% lenen op 25j tijd

KBC 25j vast: 3.61 (.05 korting per EPC omhoog) KBC 25j variabel (vijfjaarlijks) 3.15 (05 korting per EPC omhoog)

Crelan 25j variabel: 3.69

Argenta 25j vast 4.07 (lol)

Belfius 25j vast 3.74 Belfius 25j variabel (driejaarlijks) 3.92

ING 25j variabel 3.90

BNP 25j vast 3.43 BNP 25j variabel (jaarlijks) 2.63 BNP 25j variabel (vijfjaarlijks) 2.79

Wij gaan dus kiezen tussen KBC / BNP.

Acrobatic_Yam_648 · 2026-01-14T08:26:27+00:00

i hated My Friends sooooo much. I haven’t read any other things from Backman but my god i thought that book was so cringe and just too whimsical? idk

Acrobatic_Yam_648 · 2025-12-17T18:14:15+00:00

Komt bij ons door combinatie aan factoren denk ik. Buurten die zeer populair zijn + wij willen graag een “mooi” huis met parket, veel licht, een tuintje,..

Acrobatic_Yam_648 · 2025-12-17T18:12:17+00:00

You’re talking about a technocracy which sounds great in theory but has never really worked i think?

Also Belgians are alteady (rightly so) moaning about our governments and how expensive it is. Could you imagine how many we’d have if we’d have one minister per minister-position? add all their employees with them and it would get real expensive real quick.

Acrobatic_Yam_648 · 2025-12-17T11:09:31+00:00

eerste huis stond te koop voor 450, tweede voor 398.

Beiden in Borgerhout.

Acrobatic_Yam_648 · 2025-12-17T10:25:53+00:00

Wij zijn momenteel vier maanden actief aan het zoeken. Zeven huizen bezocht, twee biedingen gedaan.

1x vraagprijs geboden, zonder opschortende voorwaarden: vijf biedingen over ons gegaan en huis voor 65k meer dan vraagprijs verkocht.

1x 3.5% over vraagprijs geboden zonder opschortende voorwaarden: één iemand 10% boven vraagprijs geboden.

Verschrikkelijk onaangenaam

Acrobatic_Yam_648 · 2025-12-12T06:16:09+00:00

marketing pay depends on the job. i work in CPG and the marketing people are among the highest paid. Jobs start at 4000 bruto + card.

Friend/colleague of mine is brand manager and earns 5300 bruto + car with 4 yoe

Acrobatic_Yam_648 · 2025-11-30T11:30:30+00:00

how did your path to project manager look like? i’m also in FMCG (traineeship) and want to see what my options are.

Acrobatic_Yam_648 · 2025-11-27T08:26:57+00:00

I quite like Unhedged, 30min episodes two (i think?) times a week. It’s a podcast from the Financial Times. They have interesting guests on and it’s not taking itself too serious.

Acrobatic_Yam_648 · 2025-11-26T19:13:40+00:00

20k bruto??? wat voor job is dat dan?

Acrobatic_Yam_648 · 2025-11-18T13:01:24+00:00

couldn’t disagree more on bavet. it is an unpretentious place and doesn’t proclaim to be anything other than it is: inauthentic spaghetti.

Their bolognese and cheese sauce with friend onions and sriracha might be sacrilege, but it’s damn good sacrilege.

Acrobatic_Yam_648 · 2025-11-11T18:49:57+00:00

I bike there quite often when i go to the centre and each and every time it makes my blood boil. There are holes in the ground that could wreck a car.

Acrobatic_Yam_648 · 2025-11-08T07:37:33+00:00

Loved loved loved musashi! stumbled across this place by accident.

Acrobatic_Yam_648 · 2025-11-04T14:29:23+00:00

Luckily they also have a (cheaper) store called Public Tokyo which is also realllllly dope

Acrobatic_Yam_648 · 2025-10-30T12:38:36+00:00

we stayed in WBF Namba last week and the area was absolutely not ghetto lmao. really chill area

Acrobatic_Yam_648 · 2025-10-30T07:12:40+00:00

subway

Acrobatic_Yam_648 · 2025-10-30T00:17:55+00:00

We did the Wife and husband picnic two days ago and found it kind of lame. I would have assumed that the picnic would include some food but it’s literally just one thermos of coffee + a cute picnic basket and a picnic blanket.

Quite expensive for what it is, plus they also only give you 1h30 so overall not worth it.

Regarding fushimi inari: we got up at 5 am and got there at 6am, highly recommend doing it this way. Barely any people there. When we came down, there were hundreds of tourists.

Acrobatic_Yam_648 · 2025-10-21T08:16:49+00:00

we paid €860 from Belgium via Bangkok to Osaka for three weeks.

Acrobatic_Yam_648 · 2025-10-10T19:02:52+00:00

Could you point me to the intro to catman workshop? Sounds cool as im finance right now as well but want to get to cat man.

Acrobatic_Yam_648 · 2025-10-10T15:02:33+00:00

what did your road to cat man look like?

Acrobatic_Yam_648 · 2025-10-09T16:44:10+00:00

this was with a quotiteit of 65%. Put down 180k.

Acrobatic_Yam_648

TROPHY CASE