THE PLACEMENT MORTGAGE
At these hypotheekvorm you lend an amount that you at the end of the duration relay, by means of the value from your placement insurance. This mortgage exists therefore from two parts. During the whole duration paid you interest concerning the complete loan and this way exploits you your maximum tax advantage. Moreover you pay a premium which is applied for the protective covering at overlijden(risico insurance) and the advancement of the capital. This capital redeems the mortgage at the end of the duration.

FREEDOM
The placement mortgage gives maximum freedom himself you to stipulate how you build your capacity. You ascertain yourself whether you or less influence your capacity advancement actively actively. Also you have freedom to carry out modifications in the insurance outside the advancement for.

RISK
In any event, there is build no certainty concerning the end capital. A favourable placement climate has been then exists the possibility that you keep, after relay of the mortgage, money. However, you must itself there consciously of its that the turnover lower than the mortgage can burst out.

ADVANTAGES:
- Influence positive of the capacity advancement.
- Up to tax voordel in the interest calculation.
- Flexibility during the whole duration.
- choice possibility box I or III.
- money supplier and insurer can differ.

DISADVANTAGES:
- Negative influence of the capacity advancement.
- placement risk.
- With difficulty in when to value box I or III.

Do you give a pleasant feeling the mortgage influence to be able and flexibility to have adaptations to process which also in your life for are possible themselves do? Moreover you do not make yourself busy for possible what inferior years on grant oftewel in your placement insurance. Then the placement mortgage is possibly the correct option for u. the eventual stipulate mortgage alternative is a recommending conversation to our opinion at its place

THE SAVINGS-BASED MORTGAGE
At a savings-based mortgage you pay a fixed amount to interest for your mortgage and a premium for your spaarpolis. At the end of the duration you redeem the mortgage in one time with the advancement of the spaarpolis. We speak here concerning an assuredly amount that it is saved at each other. The same amount has been also guaranteed at death, since a part of the premium is spent on a risk insurance.

SPAARPOLIS
The interest which you pay concerning financing is equal to the interest which you receive in your spaarpolis. The mortgage interest is low, then also the interest concerning the spaardeel is low. The advantage of this construction is that it is possible interest increase compensated with lower spaarpremie to pay, because you get the same higher interest on your savings balance. Renteschommelingen arrive because of this less hard, on the other hand you have less advantage at an interest lowering.

ADVANTAGES:
- Maximum interest advantage.
- Subduing impact on renteschommeling.
- Concerning guarantee to build capital.
- Possibility for tax-free capacity advancement.

DISADVANTAGES:
- Generally a higher interest of +/- 0.3%.
- Less flexible hypotheekvorm.
- Less advantage at an interest lowering.
- Bound to a money supplier.

Certainty and do address do the rentedemping love you construction you? You have to moreover no effort for your certainty something pay more, then the savings-based mortgage can be the mortgage which to your rest and woongenot contribute.

CAPITAL INSURANCE AT YOUR SAVINGS-BASED MORTGAGE
The capital insurance has been bound to more rules and is not as a result, automatically tax-free. The benefit of a new capital insurance - coupled to your own house - remains tax-free, subject to there certain conditions is met. There the conditions is not met, then the advancement of the capital is considered as capacity in box III and will be charged annually.

THE LEVENHYPOTHEEK
The levenhypotheek are a form where you pay interest and premium. You use to the fullest possible extent of your interest advantage by redeeming the mortgage at the end of the duration entirely or partially, by means of the turnover from the life insurance. The life insurance ensures the advancement of capacity or the inlossing at more earlier death (minimum 60% of the mortgage).

TRADITIONAL LIFE INSURANCE
At this life insurance build the capacity it has been guaranteed. This guarantee has been based on the spaarpremie and an output of 3% (also rack interest called). Irrespective of the guarantee the advancement of the policy is dependent on the results which the insurer annually gained. The built value above the guarantee capital will preserve always to continue and never more in value decrease.

ADVANTAGES:
- Guarantee in the advancement of the capacity.
- money supplier and insurer can differ.
- Built value goes never more lost.
- Optimum use of the interest calculation.
- Tax-free capacities advancement (within tax rules).

DISADVANTAGES:
- Dependent in the advancement of the capacity of a society.
- Less flexible.
- Higher premium then other life insurances

You are a person whom risicoXFX002s of convening does not want test, but tevens you find the output of a spaarrekening too low. Possibly the levenhypotheek are the correct option for you.

CAPITAL INSURANCE OWN HOUSE?
The capital insurance has been bound to more rules and is not as a result, automatically tax-free. The benefit of a new capital insurance coupled to your own house remains tax-free, subject to there certain conditions is met. In all other cases the advancement of the capital is considered as capacity in box III and will be charged therefore annually.

THE LINEAR MORTGAGE
At the linear mortgage the period amounts exist from both interest and relay. The relay part is each month right whereas the interest part decreases during the duration. The fall of the interest part is the consequence of decreasing the debt rest the relays monthly by. The brutolast of the linear mortgage are in the first years high in comparison with other mortgage forms. By decreasing the interest payments the tax advantage decreases during the duration.

ADVANTAGES:
- Fast fall of the debt rest.
- Fast fall of the brutolasten.

DISADVANTAGES:
- High brutolasten in the first years.
- Fall of the tax advantage during the duration.

The linear mortgage is particularly suitable for people whom at the beginning of the duration much want relay. At some money suppliers it is possible limit the relays at the beginning of the duration.

THE HYBRID MORTGAGE
An hybrid mortgage is combined, saves - and placement mortgage. You have at this variatie the possibility during the duration of the mortgage of modifying of placement to save and vice-versa. The partitioning in terms of percentage between to save and can convene you therefore also adapt. You yourself stipulate the guarantees. The month charges exist from interest and premium.

As an example the following: At a high month interest it is frequently judiciously save the premiums. The grant climate is however favourable, then correctly convening the premiums is interesting.
Natural changing the market interest and the grant climate constant. An hybrid mortgage has not been found oneself therefore.

ADVANTAGES:
- The choice for charges lowering and/or turnover increase.
- You are not forced now take a decision for longer period.
- Flexibility.

DISADVANTAGES:
- You must be informed of the economic developments and expectancies.
- Switch have been frequently based on a short period matter.
- Pays you for flexibility.

Are you a long period thinker and realistically enough realise that it can go less on grant? Do you find that the advantages even out the aforesaid disadvantages? If so, then the hybrid mortgage something is for you.
The eventual mortgage alternative to stipulate is a recommending conversation to our opinion at its place

THE CREDIT MORTGAGE
The credit mortgage is as it were an ongoing credit with the value of your house as a certainty. With a credit mortgage can you take free and relay within put financing. These form exist also but from a component, namely know the interest concerning the taken part.

ADVANTAGES:
- In a flexible way in the prerecording and the relay.
- Lower interest in comparison with consumer loans.
- No obligatory relay.

DISADVANTAGES:
- Only possible as a second mortgage.

These hypotheekvorm give freedom to ascertain whether himself you you relay yes or no. Thereby these form for own house owners very interesting with overwaarde on the house are.

THE TAX AUTHORITY
The interest concerning your mortgage is still but maximum 30 years deductible. For existing mortgages this period of 30 years discusses 1 January 2001. as soon as you will raise your mortgage, enters for this increase a new period of 30 years. You must or this apply increase for purchase or improvement of your house

THE GRACE MORTGAGE
This mortgage only exists from paying interest concerning you financing. Your saves nothing at each other and relays also nothing. Also you do not have insure itself at death, as a result of which the grace mortgage is the financing with the lowest month charges.

TOCH RELAY?
Grace does not mean that you cannot relay. By money supplier this percentage can differ, but if you want reduce the interest debt to pay eventually less interest, you can relay an amount annual boetevrij. Eventually the mortgage must be redeemed, what frequently frequently happens at sale of the house.

ADVANTAGES:
- Lowest month charges.
- Maximum tax interest calculation (maximum 30 jr).

DISADVANTAGES:
- No capacity advancement.
- Input own money frequently necessary.
- In the long term the most expensive mortgage.

COMBINATION
The grace mortgage is frequently combined with another random hypotheekvorm, this because the grace mortgage is restricted to maximum. Generally up to 75% v.d executiewaarde, but some money suppliers more higher a percentage use (the executiewaarde is the value which produces the house at obliged sale. In the appraisal report is indicated value this). You serve therefore on the house overwaarde to have or own money to take along to be able finance a house with only a grace mortgage.

Have you overwaarde or own resources and the wish now most advantageous live. Or are you on what progressed age, as a result of which saves no ideal picture for later or redeeming for capacity is, then can the grace mortgage a good option for you be.

THE ANNUAL INSTALMENT MORTGAGE
At the annuïteitenhypotheek you pay a fixed amount during the whole duration monthly. This amount has been built from two parts, a part interest and a part relay. At the beginning of the duration you pay a larger part interest and a smaller part relay. At the end of the duration of this mortgage this proportion lies exactly the other way around. You pay however still monthly the same amount. At a duration of 30 years you have relayed half after approximately 22 years. The net month charge will be in the beginning relatively low. This because you a large part pays interest monthly and for this reason a large part of your month amount of the tax authority can recover. This part walks back however with the years. During the duration, however, an always larger part as a result of which the mortgage debt will decrease rapidly, relays.

ADVANTAGES:
- Certainty.
- Debt relayed at the end of the duration.

DISADVANTAGES:
- Less tax advantage.
- Generally more expensively than other mortgage forms

Impact MORTGAGE
At this mortgage you build a capacity on to redeem the mortgage at the end of the duration (generally 30 years). The advancement occurs by means of an impact portfolio. The impact mortgage knows a number of several alternatives, which reaches particularly expression in the placement possibilities.

DIFFERENCES WITHIN THE IMPACT MORTGAGE
The month charge can exist from only paying interest, there is then purchase talk of the meefinancieren of the share portfolio or introducing a portfolio already existing. Of course these can be paid also from own resources (for example with the overwaarde from to sell the first house).
The month charges can also exist from several parts if there is no talk of own resources or the meefinancieren of the portfolio.

Paying interest concerning the loan
Monthly or annually a inleg on your placement account
Loose overlijdens risk insurance (at both alternatives are it usual to these there separately beside let run.
ADVANTAGES:
- Up to tax advantage because of mortgage interest calculation.
- Can preserve you interim for free extra.
- Very flexible.
- The possible placement advantage.

DISADVANTAGES:
- Share portfolio lent at, a higher mortgage.
- No certainty with respect to the relay.
- No choice concerning a capital exemption.

The impact mortgage is mainly interesting for persons who occupy themselves gladly with their share portfolio. Also for persons with large overwaarde sale of their earlier house or with own money can be an impact mortgage interesting.

THE TAX AUTHORITY
During the whole duration you pay interest concerning the complete loan and this way exploit you your maximum tax advantage. The mortgage interest is deductible, as long as the mortgage loan has been applied for purchase or improvement of its own (first) house.
The impact mortgage can use never of the tax exemption in box I (concerning capacity advancement). The capacity that builds you in the impact portfolio is charge annual for 1.2% concerning the on average standing remainder (tax tariff 30% x advancement output 4% = 1.2%).

Source: mortgage proposer