When taking out a loan you agree to the corresponding conditions. The most important condition is that you must repay the loan to the bank or continuous loan provider within the agreed term via monthly amounts. You enter into this payment obligation when you take out the loan. The bank applies strict rules with regard to the granting of loans.
Taking out a loan (online) is not possible in all cases. There are a number of clear exclusions. You cannot take out a loan in the following situations:
- Your living situation is resident (with parents, family or friends or you live in rooms) and you have a temporary employment contract
- You are self-employed or employed
- You are younger than 21 and older than 65 in the case of a continuous loan
- You are younger than 21 and older than 74 in the case of a personal loan
- You have a negative registration
- You have one or more debts in the form of payment arrears
- You have borrowed more than your maximum responsible continuous loan
- You are single and have a residence permit type 1 or 3, only in nationality
- You live and work abroad
- If your income is deposited into a foreign checking account
Borrow without testing
Especially on the internet is advertised for taking out loans without a review at the . This is offered by rogue parties that do not comply with the rules of the AFM. Borrowing without a test seems to be an attractive option for people who are at their continuous loan limit or who have a negative registration. Thanks to this offer, taking out a loan now seems an option. Granting a loan without checking at the is not permitted.
Your loans and continuous loanen are registered with the . Without checking a new loan you can get a wrongly high loan amount. Based on your personal and financial situation, a maximum loan amount is appropriate, so that the loan is a responsible loan. If you borrow an amount that is higher than your financial capacity, payment problems may arise from the monthly charges.
You get a negative code if you are a few months behind in the repayment of your loan. Borrowing money in this situation means even more payment problems. Professional and reliable banks and continuous loan providers of not grant loans to consumers with a negative code.
Borrow with payment arrears
It is not possible to take out a new loan in the event of payment arrears with institutions. For example, if you are no longer able to pay the payments for your rent, health care or tax and you have a debt with that institution, taking out a loan to eliminate those arrears is not an option.
If you have debts in the form of a loan or continuous loan without payment arrears, you can take out a loan. The relevant customer is advised with a continuous loan specialist to sit down and discuss the options. In some situations, a new loan can prevent debt from rising.
Maximum loan amount
A maximum amount of loans and payment obligations means that you cannot take out a new loan. A maximum loan amount has been determined based on your personal and financial situation. A loan amount above this maximum amount means an irresponsible loan. From the duty of care that we have as a financial service provider, we do not provide irresponsible loans.