Clientprofile Mortgages|GoodFinanZ | Hypotheken en Verzekeringen

- Step 1 of 4

A mortgage is a long-term financial commitment. For appropriate advice, it is good to determine what is really important to you. What are your preferances, your objectives and which risks can and do you want to take? The questions below help us to get a better picture of your wishes and objectives.

Personal information

Name applicant *

First

Last

Sex *

Date of birth *//

Adress *

Address Line 1

City

State / Province / Region

E-mail applicant *

Telephone number applicant *

Marital status *

Personal situation for financing *

Name partner *

First

Last

Sex *

Date of birth *//

On which adress is your partner registered *

Adress partner *

Address Line 1

City

State / Province / Region

E-mail partner *

telephone number partner *

Marital status partner *

Do you have (an) underage child(ren)? *

Name, sex and date of birth child(ren) *

First

Middle

Last

Naam en geboortedatum kind(eren) 2

First

Middle

Last

Naam en geboortedatum kind(eren) 3

First

Middle

Last

Naam en geboortedatum kind(eren) 4

First

Middle

Last

What aplies to your current home? *

What is your basic rent per month? *

What aplies to the current home of partner? *

What is your partner's basic rent per month? *

From which accountnumber (IBAN) do you wish to pay your monthly mortgage payments? *

name accountholder(s) *

Do you (or partner) have active loans or credits? (Excluding mortgage) *

Loan / Credit 1

Where does this loan or credit run? *

What kind of loan or credit? *

Original loan amount / Credit amount *

Remaining loan amount / Credit amount *

Loan / Credit 2

Where does this loan or credit run?

What kind of loan or credit?

Original loan amount / Credit amount

Remaining loan amount / Credit amount

Loan / Credit 3

Where does this loan or credit run?

What kind of loan or credit?

Original loan amount / Credit amount

Remaining loan amount / Credit amount

Loan / Credit 4

Where does this loan or credit run?

What kind of loan or credit?

Original loan amount / Credit amount

Remaining loan amount / Credit amount

Doelstellingen

1. What do you want advice on? *

Buying an existing home
Buying a new to build home
Changing current mortgage
Renovate my current house
Evaluate the current situation
My partner and I are separating and I want to continue living in the house

2. Who becomes or is the owner of the property? *

Only me
My partner and I, both for 50%

3. Do you expect the current (family) income to remain at least at the same level in the coming years? (Note! This is the mortgage- income, so the income that you want to count towards the calculation of the mortgage) *

Yes
No, I / we expect a fall in income

4. Different forms of repayment have different mortgage payments What do you prefer? *

Start with high gross monthly charges, which become increasingly lower during the term (linear).
Start with low gross monthly charges, which remain stable throughout the term (annuitair).
I have no idea, I would like to be advised.

5. Which characteristics do you find important for a mortgage? Multiple answers are possible. *

At most banks you can repay 10% extra per year without penalty. I want to be able to pay off more than 10%.
I want to be able to move my mortgage interest to a next home in the future
I am looking for a lender who automatically lowers the mortgage interest rate as soon as I have repaid (extra)
It takes a long time before I need the mortgage. The validity period of my quotation must in any case be longer than three months.
I have no additional wishes

6. Do you want a renovation to be taken into account within the financing? *

6b. Amount of renovation to be taken into account *

7. When taking out a mortgage, it may be wise (and sometimes even mandatory) to take out a life insurance policy. If you or your partner should die unexpectedly during the term of the mortgage, what do you think is important? *

I don't have a partner, so I don't care what happens to the house. I therefore only want to insure this if it is mandatory.
I don't have a partner, but I want to insure this. For example, to increase my inheritance in the event of death.het geval van overlijden.
In that case, we want the mortgage to be lowered to a level that the remaining partner can bear on his / her own income.
It would be nice if the entire mortgage could be repaid, so that the remaining partner has all the freedom to make choices (for example, to work less because of the care for the children)
We do not want to take out insurance for this if that is not mandatory. We find it no problem if the property in the worst case must be sold.

8a. What is the objective if you (or your partner) become unemployed or disabled during the term of the mortgage? *

In any case, I / we want to continue to live in the house, even if an insurance policy has to be paid. (The costs of such insurance are usually €20 to €60 per month, depending on your situation)
I / we do not mind if the property (in the worst case) should eventually be sold.
It is preferable to continue to live in the home, but that depends on the monthly costs to cover this risk.
I am an expat. When not able to work for a longer period this will have consequences for my residence status in the Netherlands. An insurance therefor will not be applicable.

8b. In what year did the applicant start working? (if you have worked at least 52 days a year / 4 hours a day) If you do not know, you can possibly check at "mijnUWV". *

8c. In which year did the partner start working? (if the partner has worked at least 52 days a year / 4 hours a day) If you do not know, you can possibly check at "mijnUWV". *

9a. What is the maximum amount you want to spend per month on net mortgage payments (ie after refund from the tax authorities), including any insurance policies? *

9b. How much can the applicant save per month on average, or do you have (freely disposable) left over? *

9c. How much can the partner save on average per month, or does the partner have (freely disposable) left over? *

9d. What is the total balance of your own funds / savings? *

10. What is the minimum net (family) income that is required with these monthly payments (see question 9) in order not to get into financial difficulties? Even if you (or your partner) would become unemployed or unfit for work? *

11. What is your objective when the retirement age is reached? *

That takes even longer than 30 years. The mortgage must have been repaid by that time.
That takes less than 30 years. The mortgage must have been repaid by that time. Even though I have to pay more for that now.
My mortgage does not have to be fully repaid, as long as the monthly payments are justified by that time with regard to my income .
I don't want to take this into account. If the mortgage has not yet been repaid by that time and the monthly costs are too high in relation to retirement income, it is no problem to sell the property.

Knowledge and experience

1. What experience do you have with mortgages? *

No experience with taking out a mortgage.
I (and / or my partner) have previously had a mortgage and am well aware of the obligations.
I (and / or my partner) have previously had a mortgage and we do not really know which obligation has been entered into.

2. Do you know the difference between an annuity and a linear mortgage? *

No
I know the difference, but it's hard to explain
I can explain exactly what the differences are

3. To what extent are you / are you familiar with the following financial terms?

Term life insurance *

Not
Limited
Fully

Disability insurance *

Not
Limited
Fully

AOW (Dutch General Old Age Pensions Act) *

Not
Limited
Fully

WIA (Income according to Labor Capacity Act) *

Not
Limited
Fully

Interest-only mortgage *

Not
Limited
Fully

Execution sale *

Not
Limited
Fully

4. Have you (and / or your partner) arranged extra insurance for you (and / or your partner) if you become unfit for work? Pay attention!! If yes, please request the information (the type of insurance and what this insurance does in the event of disability) from your employer, and give this information to your advisor. If your advisor does not receive any further information, he must assume that there are no additional insurance policies. *

Financial position

1. To what extent is the current income adequate for your lifestyle? *

The income is more than sufficient; I can save a lot now.
The income is more than adequate, but I spend a lot on nice things and don't save much.
The income is just sufficient; I want to, but can't save.
The income is insufficient compared to the current expenses

2. How do you expect the (family) income to develop over the next five years? *

The income is going to fall.
Income remains stable and increases with inflation (1 to 3% per year)
Income will increase in the coming years by an average of more than 3% per year.

3. If you buy a home and take out a mortgage, it is important that you have a good understanding of your income and expenses. Do you have this?

Yes
No, I / we do not have a good insight into the income and expenses

4. How likely are the changes, mentioned below, to take place within five years?

Moving to the next home *

Family expansion *

Work less *

Large expenses (e.g. study) *

Privacystatement *

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