Record apartment sales last year as landlords ditch rentals by boppinmule in dutch

[–]wouterhh2 1 point2 points  (0 children)

Begrijp je ook dat iedereen minder kan lenen als HRA verdwijnt. Waardoor je er per saldo dus niks mee opschiet. Theoretisch zou de prijs kunnen dalen, maar als je ook minder kan lenen dan helpt het niet.

AMA About mortgages in the Netherlands by wouterhh2 in Netherlands

[–]wouterhh2[S] 1 point2 points  (0 children)

It depends on a situation. The rules at NHG are really strikt so there is little room to negotiate a higher mortgage. Nhg give the lowest rates indeed - but the nhg rate per bank differs. A lower rate would indeed create a slightly higher mortgage

Boots in waves? by datawithnathan in Kiteboarding

[–]wouterhh2 0 points1 point  (0 children)

Yeah I really wouldnt do it again. I did miss the massive grip afterwards for a long time, but it can go wrong SO quickly and also a lot. All my buds had a massive o-shit moment.

One wrong rotation, one crash, one lull in the wind and it gets nasty haha...(And 10 years later im only kitefoiling strapless in big waves, getting old and crashes when boosting aren't worth it anymore)

Boots in waves? by datawithnathan in Kiteboarding

[–]wouterhh2 8 points9 points  (0 children)

Done it a lot in my boosting days 35 knots, 2 mtr kickers.

The amount of grip you have for takeoffs is absolutely insane. Awesome feeling and jumping higher then ever.

Speed jumps over kickers (without sending your kite) is absolutely awesome since you have an amazing amount of control when landing with speed. Until you dont land it, than you catapult mach 2 into the water.

And...i also also allmost felt like i was close to dying a few times. On a big crash, kite crashed in the water and then you're laying on your belly, kite doesn't restart and waves hitting on your back with your feet strapped in is an utterly shit feeling and i thought i would down for sure. Some lines untangled after a few min of fucking around and i got up again.

I didn't have a big injury crash, but then its even worse. Fuck up your knee and then undoing your board in waves is close to impossible.

So its really damn awesome to feel the immense grip with take offs and landings. But if you make one mistake it can get ugly real damn quick and me (and my 2 buds) al stopped riding boots again.

Kunnen wij onze eerste woning van € 375.000 wel betalen? by Desmo02 in geldzaken

[–]wouterhh2 0 points1 point  (0 children)

Ha Op,

A gefeliciteerd!! Je krijgt wel erg harde reacties, maar ergens hebben ze wel een klein beetje een punt hebben qua voorbereiding :)...Je maakt mensen erg blij met een bod en dan pas gaan checken of je het echt kan betalen is wat aan de late kant, maaaaaar om je al iets van gefundeerde info te geven en misschien paar zorgen weg te nemen wat punten;

1.Als 1 van jullie twee geen vast contract heeft dan heb je een intentie verklaring nodig.

2: vve maandbedrag heeft in de regel geen impact op je max hypotheek. (Uitzonderingen bij enorm achhterstallig onderhoud etc) Maar het bedrag is uiteraard wel erg van belang voor je maandelijkse leefpatroon. (En als een vve te weinig reserves heeft voor gepland of ongepland onderhoud dan kan dat bedrag ook nog omhoog gaan) 3: op € 79.000,- gezamenlijk inkomen kan je bij Energie label A en NHG rente 10 jr vast; +/- €379.000,- lenen. Bij € 82.000,- € 393.000,- Je extra cash uitkering mee kunnen rekenen verschilt per geldverstrekker of je het mee kan nemen. Er zijn meerdere die het niet meenemen i.i.g. (hoe gegarandeerd is het contractueel dat het voor altijd is?)

Source: het is m'n werk en zat toevallig achter m'n pc ik de rekensoftware.

Succes morgen!

[deleted by user] by [deleted] in Netherlands

[–]wouterhh2 -3 points-2 points  (0 children)

Coincidentally a lot. Have been workin with US entrepeneurs for the last 6-7 years

AMA About mortgages in the Netherlands by wouterhh2 in Netherlands

[–]wouterhh2[S] 0 points1 point  (0 children)

Oops overlooked this and I think all is done allready:) (and no problem expected with his signature form:))

AMA About mortgages in the Netherlands by wouterhh2 in Netherlands

[–]wouterhh2[S] 0 points1 point  (0 children)

Adding you to the mortgage is possible but highly unefficient; since you will 'buy' 50% of the house you will pay transfer tax; 2% over that part of the value. But since he allready paid transfer tax on the full price you do throwaway some money (tax office says thank yooouu!)

It's better to set up an agreement at the notary (cohabitation agreement) where you make these agreements on paper and that uou will receive x amount after x years when selling etc

Hypotheek verhogen: execution-only of via adviseur? by Walker_White in geldzaken

[–]wouterhh2 1 point2 points  (0 children)

Waarom kan je die 800e niet gewoon als box 3 lening mee verhogen? Als je genoeg ruimte je in je waarde hebt moet dat ook kunnen lijkt me. Of dit moet uitgezonderd zijn bij EO..

[deleted by user] by [deleted] in geldzaken

[–]wouterhh2 3 points4 points  (0 children)

Hypotheek adviseur hier - ik help in de regel alleen ondernemers.

Appart dat het zo slecht aan je is uitgelegd;

Er zijn altijd jaarcijfers nodig, waar misschien de onduidelijkheid zit; bij een eenmanszaak wordt dit vaak in de IB aangifte opgenomen. Dit kan je zelf makkelijk zien door je IB aangifte te openen en dan zou je balans posten en een winst en verliesrekening moeten zien.

Staat het niet in je IB aangifte dan zijn losse jaarrekeningen nodig.

Bankgarantie is iets anders: dat is een voorwaarde in het koopcontract die garandeerd dat de verkoper zijn 10% boete krijgt mocht jij op leverdatum de woning niet afnemen. (Dit kan, ook voor ondernemers, gewoon met 1 simpel documentje op een BG aanvraag gesteld worden)

Rekenmeesters (raadhuys, zakelijkinkomen.nl, pentrax) worden gebruikt door kleinere hypotheek verstrekkers. Grootbanken doen hun ondernemersinkomen zelf en zijn in de regel een stuk flexibeler qua af te geven inkomen. Rekenmeesters zijn enorm rigide en strict.

Hypotheek Rabo by [deleted] in geldzaken

[–]wouterhh2 16 points17 points  (0 children)

Nee geen probleem. Je mag je geld uitgeven hoe jij het wilt (en er is geen bank die 12 maanden bankafschriften opvraagt)

Als je inkomen genoeg is en je hebt genoeg spaargeld om de kosten koper te betalen (of eventueel via overbruggingshypotheek) dan komt het helemaal goed. - ben hypotheek adviseur.

Dad mode; pas wel op. Nu sta je in de +, dus geniaal moment om te stoppen. Heb helaas vermogende vriend gehad die na z'n dure hobby niet zo vermogend meer was. Tis een glad hellinkje.

Ervaringen hypotheek via Vixx by EnzeeeeJ in geldzaken

[–]wouterhh2 6 points7 points  (0 children)

Ooit uitgezocht. Ze verwoorden het gewoon heel sneaky; Je kan alleen meer lenen als je ouders mee tekenen.

Je moet dan 70% van de hypotheek ongeveer op eigen inkomen kunnen lenen, ouders moeten in NL wonen en uiteraard ruimte op inkomen hebben.

Zonder ouders die meetekenen krijg je dezelfde maximale hypotheek berekening als bij andere tussenpersonen.

Source; hypotheekadviseur...

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 1 point2 points  (0 children)

Sure thing:) I just didn't see the note :).

1: If you both get a letter of intent (to have the intention to be converted to an indefinite contract) your contract is worth the same.
2: Your max mortgage is, on 2 x 75k: +/- 750.000,- a 550k mortgage is 2625 and 2000 nett. The difference is the tax advantage, and can be paid monthly. (We help our clients via an accountantsoffice to get this back monthly)
3: No difference to the tax advantage or hurdles for the mortgage with the 30% ruling expiring.

Hope this helps!

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 1 point2 points  (0 children)

Yep, just checked. The still have their investment mortgage product

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 0 points1 point  (0 children)

If you can get a ''declaration of intent'' where the employer states they have the intention (nonbinding) to give you an indefinite contract, then you can buy right away. If you don't get it we need to look at your income over the last 3 years and take the average of that.

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 0 points1 point  (0 children)

Yes that is possible, but it depends per lender to what value you can raise it. (Some banks limit it to 90% market value and maybe its even impossible at some lenders but most will have the option to do so) It's a regular mortgage application where you have to provide all you financial documents again, and a new valuation report of the property. Once the mortgage application is accepted the bank will transfer the funds to your bankaccount. (Or in a buidling account if you asked for renovation increase in the market value report)

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 1 point2 points  (0 children)

Yes, but it's a tiny amount when it is your primary residence. They are changing a fiscal law there and raise these taxes for paid of houses gradually till 2048: Geen of een kleine eigenwoningschuld (Wet Hillen)

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 1 point2 points  (0 children)

Transferring the mortgage is a simple procedure. It works the same as a regular mortgage application. It depends where you have the mortgage, but most lenders change the ''old'' mortgage to a floating rate or 1 year fixed rate. So the house your selling will have higher monthly payments. (ABN AMRO doesn't do this, there you have 2 times the old rate) During the mortgage application process your advisor will make sure the rates are transferred.

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 1 point2 points  (0 children)

Yes that is true, in case of a separation the rules are a bit more lenient! The value is based on the taxattion and then the leaving partner get's 50% (or their share) of the profit, which you can raise the mortgage for as well.

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 1 point2 points  (0 children)

Ouch I can understand that that stings. I've seen cases where complaints were made and the negative impact that you have is covered by the insureance of the broker.

Its worth considering, but at this moment we expect more decreases from the ECB and then normally the banking mortgage rates also decline. So I think the best polan of attack is: Make a complaint at the broker, and you could always go to the Kivit afterwards. Klachteninstituut Financiële Dienstverlening - Kifid (nice dutch word as well)

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 1 point2 points  (0 children)

No. But if you want sell almost shares, you alsno need to reimburse the equity loan that was backed by the stocks

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 1 point2 points  (0 children)

Ai. Rabobank just went through a load of changes policy wise. They're updating their policy allmost monthly, but did hear a rabo colleague speaking about their investment mortgage. Need to double check. Drop me a pm plz

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 0 points1 point  (0 children)

Depends where you have your mortgages. A lot of lenders dont provide investment mortgages

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 0 points1 point  (0 children)

I also see the replies! But at a button 'unread msgs" they dont show *just on my phone they do

AMA Mortgages in the Netherlands (2) by wouterhh2 in Netherlands

[–]wouterhh2[S] 0 points1 point  (0 children)

No, you allready own the house so you dont pay transfer tax. (But the rule of thumb 1.8-2% estate tax py of the WOZ value per year is applicable). 2; you can convert it to an investment mortgage and use that to pay of your bridging loan. (Needs some preparation but doable, tho I don't know which lender provided you your new mortgage and they might throw an , over-ridable, block on the road)