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You can apply for a revolving credit or a personal loan through us. Which form of credit is most suitable depends on the loan purpose and your wishes.
When you choose a personal loan, you will receive the amount in your account once. With a personal loan you know in advance where you stand. You pay a fixed amount each month consisting of interest and repayment and the term is fixed.
A personal loan is generally applied for to pay a large amount once. Consider, for example, the purchase of a new car or the financing of an extension. The disadvantage of a personal loan is that the loan amount cannot be withdrawn again; you experience less flexibility than with a revolving credit.
A revolving credit is requested to withdraw money several times over a longer period. The interest charged on a revolving credit is variable and can vary over the term. With a revolving credit you experience more flexibility than with a personal loan. The monthly amount consists of interest and repayment.
You can apply for a loan through us both by telephone and via the website. In addition to personal details, we also need information about your income and housing costs in order to be able to apply for a loan. With this information we assess whether a loan can be taken out in a responsible manner. You take out a loan, for example, to transfer several small loans into one or to make a large purchase.
After submitting a complete application, it will be assessed by the acceptance department, after which it will be sent to various banks. If we have received a response from all banks, we will present the options for borrowing money to you.
You then choose yourself with which lender you want to take out a loan. You do this by signing the contract and returning it to us together with the other documents (such as a payslip, bank statement and identification). We check these documents and if they are complete and correct we ensure that it is passed on to the lender, after which the loan is paid out.
The mediation that we arrange for you is without additional costs. We receive a fee from the lender in the form of a recurring commission.
The interest, on the other hand, depends on the risk profile of the applicant and the interest rate is determined on that. For example, a married couple with both permanent contracts and owner-occupied homes will receive a lower interest rate than a single person in their twenties who is a temporary worker and still lives with his parents. This method of determining interest is called Risk Based Pricing.
The amount of the loan amount depends on various factors, including your income and expenses. Curious how much you can borrow? With our handy tool you get an indication of the amount of money that you can borrow through us.