Credit listing

What, why and when?

If you’ve taken out a loan or are behind on your repayments, you may be listed in the Dutch National Credit Register (BKR).
 

Why a credit listing?

In the Netherlands, consumers are protected from taking out loans they can’t afford to repay: loans and overdue repayments are listed in the National Credit Register. You must be able to afford repayments on your loans. When you apply for a loan, we’ll perform a credit check. This is standard procedure.

Positive listing

If you take out a loan, you’re assigned a positive credit listing. If you make your repayments as required, this listing won’t have any consequences for your credit rating. If you apply for a new loan, we can see from the National Credit Register whether or not you can afford to borrow money.

 

Registration details

 

What does the National Credit Register know about you?

If you take out a loan from us, we’re expected to share the following details with the Register:

  • Your name
  • Your address
  • Your date of birth
  • The type of loan
  • Your contract number
  • The amount of your loan
  • The first and last month of repayment

If you terminate your loan, your details will continue to be listed for another five years.

How quickly do we report overdue repayments?

We don’t report overdue repayments to the National Credit Register until the amount has been outstanding for 60 or 90 days (depending on the type of loan). Your positive listing will be changed into a negative listing until you’ve caught up on your repayments.

Viewing your credit listing

You can request to view your credit listing at no charge. Go to the website of the Dutch National Credit Register to find out how. Please remember that this will take at least 28 days. You can speed up the process, but this will come at a fee.

Don’t agree with your credit listing?

Please let us know if you believe that your credit listing is incorrect. We would be happy to look into this for you.

Why you should choose ABN AMRO for your loan

Contact

You can get in touch with us to schedule a meeting. We are available 24/7

English-speaking advisers

Our International Client Desks advisers would be happy to help you, in English, of course.

Excellent terms and conditions

From a competitive interest rate to debt cancellation in the event of death, we offer excellent terms and conditions.