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Mortgage Questionnaire

Step 1 of 9

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  • To prepare our mortgage meeting properly, we ask you to complete this questionnaire together. It is important that we receive this completed questionnaire before our meeting, so that we can prepare everything completely and in-depth.

    The following topics are covered in the questionnaire:
    1. Personal situation and future plans
    2. Preferences with regard to the mortgage
    3. Risks and insurances regarding death, disability and unemployment

    You can also indicate in the questionnaire if you do not want advice on a specific topic.

    Filling in the questionnaire is confidential and is intended for internal use only. On our website you can read more about how Viisi processes your data and how it is protected.
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  • 1. Personal situation

    Living / private
  • If you want to finance the renovation in the mortgage, the renovation costs are reserved in a construction deposit. In this article you can read how such a construction deposit works.
    We will then send you a link to a handy online tool from De Energiebespaarders where you can calculate the energy savings for the home free of charge. The outcome (expected investment and energy savings) will be sent to you in PDF format and we can discuss this during our meeting.
  • Career and financial

  • At Advieskeuze.nl you can search for a financial planner in your area in order to discuss the possibilities in relation to pension accrual.

  • Need help with determining how much you save and spend each month? Nibud offers a handy Budgetadvice-tool, with which you can calculate what you spend annually and what you save up.
  • Experience
  • 2. Mortgage

    We will now ask you a number of questions to help us better prepare for the meeting. We use your answers and preferences primarily as a starting point for preparation. During our meeting we will elaborate on the various topics and discuss the best options for your mortgage and potential insurance policies together. So try to answer the questions seriously, but do not ponder the answers too long and feel free to state it if you do not know something yet or would like to receive advice.
  • Mortgage general
    The maximum duration of a mortgage is 30 years in the Netherlands. At the end of the term, the mortgage will be repaid. The duration of the mortgage is slightly different from the fixed interest rate period. For example, in the duration of 30 years you can fix the mortgage interest rate three times for 10 years.
  • Fixed interest rate period
    An important part of the mortgage is the fixed-rate period that you choose. In this article you can read about the advantages and disadvantages of fixing the interest rate for a long or short period of time.
  • Principal repayment
    First time buyers on the housing market generally make the choice between annuity repayment and linear repayment, because the mortgage interest deduction is still applicable for these repayment methods. For people who have taken out a mortgage before 2013, it is often possible to keep other mortgage repayment forms.
  • Fiscal policy and taxes
    Some tax regulations are specifically related to owning a home and mortgage in the Netherlands, like:
    - the mortgage interest deduction and the phasing out of this ruling (hypotheekrenteaftrek)
    - the Hillen Law and the phasing out of this ruling (Wet Hillen)
    - the additional borrowing rule (bijleenregeling)

  • If many of these points do not seem familiar to you, it is advisable to read this article in advance regarding the tax regulations that apply when taking out a mortgage. In our conversation we can discuss the questions you have on this in depth.
  • Mortgage provider
    Indicate how strongly you want the following wishes / requirements to be taken into account when choosing a lender.

  • Tip: do you think the sustainability policy is important in your choice of a lender? Be sure to read up in the Fair Money Guide on the Eerlijke geldwijzer website where you will find scores on various social themes from banks (in the Bank Guide) and insurers (in the Insurance Guide).
  • 3. Risks and insurances

    In order to properly advise you on risks and insurances, we now ask the following questions. We would like to have a good picture of your wishes in advance and of any insurance policies that have already been arranged for you, for example through the employer. Make sure you also provide us with information about existing insurance policies in the event of death, disability, unemployment and pension.
    The following does not apply if you are an entrepreneur.

    It mainly concerns the following documents:
    - current insurance policy(s)
    - supplementary Provisions of Employer
    - UWV employment history
    - mijnpensioenoverzicht.nl (my pension overview)
    - employer / pension provider information ( for example information from intranet, insurance policies) [optional]
    - Uniform Pension overview [optional]
    - Pension 1-2-3 [optional]

  • Death
    A life insurance policy pays a pre-agreed amount if the insured person dies before the end date of the insurance. Some lenders make it compulsory to take out a life insurance policy.
    This insurance is also often taken out for the relatives, for example to enable the family or partner who are left behind to be able to (partially) pay off the mortgage or to stop working to raise the children.
    In this article you can read more about the main features of life insurances and we give you the most important focus points.
  • People who do not smoke usually receive a lower premium because a special non-smoking rate is often applied. You will receive that discount if you do not smoke now and have not smoked for at least the previous 24 months. Nicotine patches, nicotine gum and electronic cigarettes are also seen as smoking.
  • People who do not smoke usually receive a lower premium because a special non-smoking rate is often applied. You will receive that discount if you do not smoke now and have not smoked for at least the previous 24 months. Nicotine patches, nicotine gum and electronic cigarettes are also seen as smoking.

  • Disability and unemployment
    Disability insurance or housing costs insurance pays a periodic (usually monthly) payment in the event of illness or disability of the insured person.
    As disability can have a major impact on the affordability of the mortgage and your general living costs, it is good to check what is sensible in your situation.

    With regard to unemployment, it is generally advisable to maintain a sufficient savings buffer, which you can use to bridge a temporary period of unemployment. You can also insure the risk of temporary unemployment for a period of 1 or 2 years as additional cover on the disability or housing costs insurance.
  • Thank you for filling out the questionnaire!
    Click on Send at the bottom of the page to complete the questionnaire.

    We have recently changed the design and questions of the questionnaire and we would like to hear from you what you thought of it.

Updates

  • Fixed rate period: what is the sensible thing to do in my situation?
  • Supply of documents
  • Maurice van Tilburg and Robert Metzke join Viisi Hypotheken Advisory Board

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