Flexible Mortgage Credit

Take advantage of the equity in your home

Personal Advice

These pages contain general information on the Flexible Mortgage Credit which is not intended as advice. Would you like to apply for Personal Mortgage Credit straightaway, or would you prefer to discuss your personal credit requirements first? Drop by at one of our or make an appointment, or call us on 0900 - 00 24 (€ 0.10 per minute).

Specifications

Form of credit	Revolving credit
Extent of credit	From € 10,000 to 125% of the foreclosure value of your own home. For interest-only credit: up to 100% of the foreclosure value of your own home.
Withdrawals	Free of charge, using your free bank card and PIN to buy goods in shops via payment terminals and to withdraw cash from ABN AMRO ATMs.
Repayments	You can choose between a fixed monthly amount consisting of both interest and repayment or a monthly amount consisting solely of interest ('interest-only'). In the latter case you have no monthly repayment obligations. The amount of credit you have taken out must be repaid in full by or before the termination of the credit. Extra repayments are possible at any time and are free of charge.
Tax benefits	If you use a Flexible Mortgage Credit to purchase, maintain or improve your own (main) home, the interest is tax deductible under Dutch tax laws. Check with your tax advisor for more information on your personal situation. The tax deduction is limited to a period of 30 years. For more information, see www.belastingdienst.nl.
Other details	A clear statement of account will be sent to you every month You receive a free bank card You do not have to pay an arrangement fee
Security	This form of credit is secured on your home.
Options and interest rates	Drop by at one of our branches or call us on 0900 - 00 24 (€ 0.10 per minute) for more information.
Credit registration	We carry out credit checks and register credit with the Central Credit Registration Office (BKR) in Tiel.
Credit brochure	A credit brochure (in Dutch) is available for this product.

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