Step 1 of 9 11% To prepare our mortgage meeting properly, we ask you to complete this questionnaire. 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.HiddenKlanttype HiddenDossiernummer HiddenProduct-ID HiddenAdviseur HiddenNaam klant HiddenE-mailadres HiddenE-mailadres adviseur 1. Personal situationLiving / privateHow long (in years) do you expect to live in the property? How long do you expect to continue living in the Netherlands? 1 to 5 years 5 to 10 years 10 to 20 years 20 years or more What could be the next step after this property?Suppose you move, what do you expect to do with this property? Sell Hold and rent out Keep as a second home Are you going to live in the house yourself (potentially together with family members)? Yes No Explain briefly how you want to use the home:Do you expect a change in your family situation in the coming 0 to 5 years?What are your current housing costs (basic rent or current monthly mortgage costs)? What suits you the most regarding risk-taking? I prefer to avoid risks and I feel comfortable paying a little more for certainty Occasionally incurring some risk is fine, but not too much I like to take risks, e.g. to save money, and accept my loss if a choice turns out badly Are people financially dependent on you (for example, children or parents)? Yes No Who and in what respect?Do you expect to renovate this property? Yes No What are you going to do and what is the budget (approximately)?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.Do you expect to make the property more sustainable or energy efficient? Yes No Don\'t know yet Short elaboration (optional)What are you going to do and what is the budget (approximately)?Can we pass on your name and (future) address to De Energiebespaarders (the Energy Savers)? Yes No I would like some more information during our meeting 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 financialWhat could be different in your work in 5 years?How do you expect your family income to develop? Rises In line with inflation Remains the same Drops Approximately how much?Do you receive the 30%-ruling? Yes No For how many years will you continue to receive the 30%-ruling? Do you have a certain moment in your life in mind when you would like to be able to stop working? Yes, once I have reached a certain age As long as I am healthy enough, I will likely continue to work (possibly with fewer hours or a different kind of job) I haven\'t really thought about this yet At which age? Do you have certain financial goals for the future?What does your pension accrual look like? I am (currently) not concerned with my retirement and do not want to be advised about it I do not build up a pension and do not want to be advised about it I accrue pension through my employer and do not want to be advised on supplementary pension accrual I accrue pension through my employer and would like to be advised on supplementary pension accrual At the moment I am building up supplementary pension (in addition to what has been arranged through the government / employer), I put aside a set amount for this periodically I have arranged supplementary pension myself, but do not make additional contributions in accordance with a set pattern I would like to start building up supplementary pension and I can use some help with this At Advieskeuze.nl you can search for a financial planner in your area in order to discuss the possibilities in relation to pension accrual. Which statement best describes your savings behavior? Every month I can save a significant amount on a structural basis I manage to save quite a bit, at the end of the year I normally have more savings / assets than at the start of a year Occasionally I save something, but that is usually used up again quickly I actually spend more or less what money comes in If there is a larger bill, it will be difficult for me to pay it How much do you save per month approximately? Can you easily adjust your monthly expenses if necessary? No problem at all, I just save a little less or I sometimes have expenses that I can easily omit It is possible but the wiggle room is limited. I still need 80-90% of my income I\'d rather not, but if I have to I can make sure I spend less in an emergency No, if I am realistic adjusting my expenses is only possible with the greatest possible effort Do you expect financial windfalls in the coming years?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 Which statement best describes your experience with financial advice? I have a financial planner / financial adviser who regularly advises me In the past I have sometimes obtained full financial advice (on mortgages, assets, risks and insurance) In the past I have occasionally sought out a specific topic (for example, mortgage advice or insurance advice) I have had a conversation with my own bank to discuss a number of things I don\'t really have experience with financial advice Do you have experience with investing in shares or share funds), bonds (or bond funds), real estate, options, futures, currencies? Yes No Since when and how intensively have you been investing?What do you consider important in good financial or mortgage advice and what do you expect from your Viisi advisor and the mortgage appointment? 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 generalThe monthly gross mortgage costs may not exceed: What is your wish regarding the mortgage loan? I want to borrow as much as possible I want to borrow under NHG conditions (this is not possible in all situations, see the conditions in the link) I want to use my own money to lower the mortgage Approximately how much of your own money do you want to use to lower the mortgage? The own resources that you are going to use to pay the additional buyer costs or reduce the mortgage are made up of: Savings Gift(s) (Family) loan Capital gain on previous home Other, fill out a short elaboration below Short elaboration regarding your own resources:What is your preference with regard to additional repayment of the mortgage? I intend to repay the mortgage much faster than the standard repayment schedule I intend to repay the mortgage a little faster than the standard repayment schedule In the coming period I expect an incidental financial windfall (for example a donation or inheritance) which I want to use to repay the mortgage additionally I do not intend to pay back the mortgage faster than the standard repayment schedule What is your preference regarding the duration of the mortgage? 30 years Shorter than 30 years 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.How many years do you want the mortgage to run? 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. What is your wish with regard to fixing the interest rate? I want to fix the interest rate for as long as I expect to live in the home I want to fix the interest rate for a short amount of time or opt for a variable rate (less than 10 years) I want to fix the interest rate for a medium to long time (approx. 10 - 19 years) I want to fix the interest rate for a long time (approx. 20 - 30 years) Short motivation of your choice regarding the fixed rate period: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.What is your wish regarding the method of paying off the mortgage? Annuity repayment Linear repayment Continue current mortgage type(s) Borrow in tax box 3 to reduce taxable capital in box 3 Borrow as much as possible interest-only A combination of these forms of repayment Which mortgage type(s) do you want to continue?Which combination of mortgage types do you have in mind?Short motivation of your choice regarding the repayment method: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.What do you consider most important when it comes to selecting a mortgage provider? Good reputation Good online infrastructure The lowest monthly costs Possibility to rent out the property Sustainability policy How important is the sustainability policy of lenders to you? I would like the sustainability policy of lenders to be included in the comparison and I am also willing to pay extra for this I would like the sustainability policy of lenders to be included in the comparison, but I would rather not pay extra for this The sustainability policy of lenders does not have to be included in the comparison 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 You can also indicate whether the following applies: I have no supplementary insurances from my employer in the event of disability or death No employer\'s pension is accrued for me The net income that I need every month to pay all fixed costs (incl. future mortgage costs) and to be able to lead a normal life (groceries, vacation etc.): 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.What do you consider important with regard to the risk of death and taking out a life insurance policy? I don\'t want to talk about this during the consultation at Viisi, I don\'t want to be advised about this now No idea yet, I would like to receive some advice That the entire mortgage can be repaid if I pass away That (approximately) half of the mortgage is repaid if I pass away That my relatives can make ends meet That my surviving relatives are well cared for, I would like a little more detailed advice on this If I should die, I want my heirs not to be stuck with a possible debt Check my current insurance(s) and change if necessary I think it is fine, if after my death the property is sold and the mortgage is (largely) repaid. I do not want any additional insurance. Do you smoke or have you smoked in the previous 24 months?YesNoPeople 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.What is important to you regarding disability and taking out disability insurance for this? I don\'t want to talk about this during the consultation at Viisi, I don\'t want to be advised about this now I have no idea yet, I would like to receive some advice In this case, I would move back to my home country or another country and sell the property, (largely) repaying the debt That the entire monthly payment can continue to be paid from the insurance coverage That I can still make ends meet every month I want to discuss this extensively because more may be needed than just being able to continue paying the monthly mortgage costs If I become incapacitated for work, I want my partner not to be stuck with a possible debt Check my current insurance(s) and change if necessary If you become unemployed, what applies to your situation? Within a couple of months I can find a job with a similar income Within a couple of months I can find a job with 70% of my current income It will be difficult for me to find a new job within a couple of months In this case, I would move back to my home country or another country and sell the property, (largely) repaying the debt I have a sufficient savings buffer to bridge unemployment for several months My savings buffer is insufficient to bridge unemployment for several months HiddenDo you want to be advised about the possible insurance solutions in the event of unemployment? Yes No 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.Briefly enter your feedback here with regard to the questionnaire, then we will start to work on it!