Mortgage left

A mortgage necessary whereas you a BKR has quotation?

Persons with a BKR quotation frequently problems have to at a "ordinary" bank or hypotheekverstrekken obtain a mortgage. And if this succeeds already then happens this frequently with bad mortgage conditions. We have been specialised in obtaining good mortgages for persons with a BKR quotation. Honesties half must we you say that this not always succeeds!
Data mentioned below fill in as well as possible, so that we can go for you in search to a mortgage proposer. Possibly that we take nevertheless firstly still contact for a couple closer ask.

Information on BKR quotations

In central credit computer system (CKI) the payment obligations of all consumers stand who have a credit in the Netherlands or had in the past five years. If a participant a credit has supplied to a consumer communicates he this at us. We process the data from the agreement in CKI. Is possible not everyone this way but your data offer for processing. To the processing lawful and legal rules apply.

credit data

In CKI stands exact which credit has someone on its name or had stand in the Netherlands. It only concerns credits. A mortgage credit has in principle not been confessed at our. These are just presented at us if you have not paid longer than 120 days a period amount. Other payment obligations credits have then not been confessed at our. We process only those data which necessary are give a picture of your leen - and aflosgedrag. Thus is for example visible how high the lent amount is, but not for which you it used.

In CKI come the following credit data for:

the lent amount or the amount which you can spend up to,

the moment on which credit arose

the month in which according to appointment with the participant credit must be relayed complete.

the month in which credit is effective be?digd.

the credit type and possible characteristics during the duration of credit.

Conditions fact processing

We inform concerning nearly all credits which have been supplied to consumers in the Netherlands. A credit is communicated at us according to the BKR rules.

credit has a duration of at least three months,

the lent amount is minimum. 500 and maximum. 125,000.

credit has been supplied to a natural person.

With a natural person a consumer is meant, but also commits where the director/owner can be put severally responsible. For example at?manszaak.

In the case of oversluiten you replace your current mortgage by an entirely new mortgage, possibly at another proposer and against other conditions. This is possible favourably unpacks if the current interest tariffs are lower than the interest tariffs of the old mortgage.

How does coding work?

Characteristics
Central credit provides insight into computer system who stands in the Netherlands which credit on its name has. He who it concerns, becomes clear from the personal data. From the credit data becomes clear which credit it concerns. Finally we process also possible characteristics during the duration of a credit.

Approximately 95% of the consumers who are at our, complies with without problems the payment obligations. From the BKR information becomes clear that they have meeied always exact their obligations. Sometimes it occurs that there betaalproblemen rise at the relay of a credit. Or to that for example a progress to to pay back in hands has been given of a incassobureau. Such particular situations are reflected in CKI with a ' characteristic code '. Such a code gives in a neutral manner to what there to the hand is, without giving a judgement.
Delay and convalescence
The participants have been obliged communicate an arrear at us. But that does not happen this way but. They have been obliged you in advance warn that the delay is communicated at our if you longer guard with to pay. The moment on which this report takes place, depends on the type credit. This period between the moment which the arrear arises and the moment on which these are presented at our, varies between two and celebrate months. At a aflopend credit happens this for example after two months. Is called officially a delay communicating a ' delay report '. In your data is these visible with a ' a ' at concerning credit.

You have worn in your delay, then is this also visible in CKI. A ' h ', of convalescence, at concerning credit indicates this. ' h ' is only mentioned if credit passes through. If the delay has worn in you and with that credit has be?digd, then only one termination date is visible at concerning credit. Five years after the termination date your data concerning the be?digde credit disappear automatically from our file.
characteristic codes
Beside ' a ' and ' h ' knows we characteristic codes still four which indicate that there is something to the hand.

Code 1: A relay - or debt arrangement has been made, after the delay situation has arisen.

Code 2: (The restant)vordering have been put opeisbaar.

Code 3: There is an amount of. 250 or entered up more. Only when transfer because of final discharge takes place, 3 termination dates must be communicated at the same time with the code. In other cases no termination date is communicated.

Code 4: The kredietnemer prove to be/appeared inaccessible.

In contrast to delay - and convalescence reports apply to presenting characteristic codes no waiting time. Participants are not obliged you in advance announce that they communicate a characteristic code at us.
BKR does not decide
We process all data including characteristics informing judgement neutrally and without concerning credits which someone has on its name or had stand. We do not decide, as it happens, if you get a credit. It is the participant who definitely. On the basis of all available information he makes an assessment or supplying a credit is justified. To do a good assessment the participant also data has not confessed be necessary that at our. Think of your income, woonlasten, energy charges and domestic situation

Risky tips:

good rack modules for mortgages	Mortgage interests and application mortgage tenders	credit tenders, and much credit information
Much mortgage news	Portal for to conclude mortgages	insurance shop: credit, mortgage, brommerverzekeringen
much mortgage and insurance news	For people who zoeken a mortgage	Many left mortgage sites
site for credit tenders	credit proposers of Internet	BKR quotation and credit necessary?
credit information and credit tenders	Medical Insurances proposers	Interplein mortgages, explanation mortgage interests
Tender application mortgages		Your link here? info@rekenmodules.nl