How much can I borrow?

We want your loan to be right for you, so we take the following aspects into account: 

• Your net income
  The amount you earn every month largely determines the amount you can borrow.

• Your fixed costs
  Do you have a mortgage or do you rent your home? This affects how much you can borrow, as do any other loans you may have. Take, for instance, a student loan, credit card or overdraft. And if you have a car, we’ll look at things like your lease costs, insurance and fuel.

• Your family circumstances
  Are you requesting a loan on your own or together with your partner? Applying for a loan together can work in your favour, as your joint income will probably be higher. If you have children, we’ll take the extra costs, such as childcare, school and sport, into account.

• Dutch Credit Registration Office (BKR)
  If you already have a loan, we’ll take this into account when deciding how much more you can afford to borrow. Previous payment arrears may also affect your maximum loan. We always check your credit history with the Dutch Credit Registration Office (BKR)

• The cost of a loan
  The cost of a loan depends on the amount you borrow, the term and the interest rate. How much interest you pay depends on your personal situation, including aspects like the purpose of the loan, whether you own your home, and your risk profile.

• The risk profile
  Sometimes, clients do not repay their loans. As a bank this is a risk we need to take into account, which is why we always compile a risk profile when you come to us for a loan. We set your risk profile according to your income, your age and whether you currently have a loan, or have had one in the past. The lower the risk, the lower the interest rate.

• The loan term
  The time you take to repay the entire loan is known as the ‘loan term’. If you want to repay your loan quickly and pay less interest, you can opt for a shorter term. A longer term means lower monthly repayments, but you ultimately pay more interest.

Our online calculation tool will give you a fairly accurate idea of how much you can borrow and what the monthly repayments will be.    

To find out exactly how much you can borrow, ask for a no-strings-attached offer. We’ll ask you for certain documents so that we can form a clear picture of your options. You then have 30 days to decide whether or not you want to proceed.  More information? Our staff at the Loans Desk are happy to help you move forward.