Three tips for a worry-free mortgage loan

Competition on the mortgage market is huge, resulting in a real price war. And that only plays to your advantage. The smallest tariff difference already makes a huge difference in the final settlement.

Yet you often do not get the most advantageous mortgage loan just like that. Only those who compare sufficient credits will get the best value for money at the end of the trip.

A mortgage loan starts with comparing

A mortgage loan starts with comparing

Comparing loans is fortunately not difficult at all. Just about every lender has a tool on its website with which you can easily make an online simulation. That way you get a complete and transparent picture of the possibilities.

But it doesn’t stop there. After the online simulation it is important to make agreements with different banks. Those who negotiate well will probably get an even better offer than what the online simulation promises.

Compare (and negotiate) the right way

Compare (and negotiate) the right way

Made an appointment with the bank? Then it comes down to appearing well prepared for the apple. What does that mean?

  • If you have already sat down with another lender before, it’s best to take the repayment table to the next party. This will make it easier for a counter proposal.
  • Always look at the total amount that needs to be paid and also pay attention to the conditions that banks link to their preferential rate. For example, are you required to link one or more insurance policies to your mortgage loan with the same lender?

Tailored loan = tailor-made protection

Tailored loan = tailor-made protection

When you take out a mortgage loan, you naturally want to get the most attractive price tag out of the brand. But the long term is also important. A good mortgage loan is therefore properly insured through a debt balance insurance. This is not mandatory (but your credit institution can enforce this as a condition), but it guarantees your dependents on a carefree future.

If it happens that you die during the term of your mortgage loan, the insurer will take over the repayment of the loan partly or entirely from your dependents. But even in life a balance insurance policy has a lot of advantages in store. For example, it is tax deductible under certain conditions and you can link additional guarantees to your debt balance insurance. Tip: you choose the debt balance insurer with which you will work. Compare is the message! Looking for free advice or an initial offer? Feel free to contact us, we are ready for you!