A very exciting time and decision. We can imagine that you would like someone who can guide you through this process. Bouvy Advies does this weekly so you are in good hands.
Linear Mortgage
This mortgage type is similar to an annuity mortgage with one important difference; the monthly payment decreases during the term. A characteristic of a linear mortgage is that the repayment remains the same during the term.
Annuity mortgage
With an annuity mortgage, the gross monthly payments remain the same in principle throughout the entire term. However, the structure of the monthly payments does change over the years.
Interest-only mortgage
As the name suggests, you do not pay off anything with an interest-only mortgage. This means that the monthly payments are the lowest. You only get mortgage interest deduction on the interest paid. Since you only pay interest with this form of repayment, the refund is the largest.
Investment mortgage
The investment mortgage consists of a loan and a linked investment. The intention is that the investment part yields the same amount on a specific date as the mortgage part that is linked to it. However, this is usually not the case.
Savings mortgage
The savings mortgage consists of a loan and a linked policy. This can be a life insurance policy, but also a savings policy. The interest you receive on the policy is equal to the interest you pay on the policy. The more interest you receive on the policy, the more
Starter loan
The Starter Loan offers starters on the owner-occupied housing market the opportunity to borrow just that little bit extra in a responsible way. This makes that one special house possible. The Starter Loan bridges the gap between the
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Self-employed people have no money for disability insurance
See below an interesting piece from the NRC about Work Disability for ZZPers. I get this question often. Also about the comparison with a bread fund I would like to make a free independent comparison of all parties.