{"id":174,"date":"2023-08-07T12:45:17","date_gmt":"2023-08-07T10:45:17","guid":{"rendered":"https:\/\/raev-advies.nl\/?page_id=174"},"modified":"2023-08-22T09:01:05","modified_gmt":"2023-08-22T07:01:05","slug":"hoeveel-kan-ik-lenen","status":"publish","type":"page","link":"https:\/\/raev-advies.nl\/index.php\/hoeveel-kan-ik-lenen\/","title":{"rendered":"Hoeveel kan ik lenen?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.16″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(0,19,46,0.6) 0%|rgba(0,19,46,0.6) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(0,19,46,0.6)” background_color_gradient_end=”rgba(0,19,46,0.6)” background_image=”https:\/\/raev-advies.nl\/wp-content\/uploads\/2023\/08\/financial-advisor-41.jpg” custom_padding=”||||false|false” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.21.2″ header_font=”Darker Grotesque|900|||||||” header_font_size=”100px” background_layout=”dark” custom_margin=”||||false|false” header_font_size_tablet=”70px” header_font_size_phone=”41px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Hoeveel kan ik lenen?<\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”About” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/raev-advies.nl\/wp-content\/uploads\/2023\/08\/Fotolia_45728641_M.jpg” alt=”Raev-advies hypotheken” title_text=”Raev-advies hypotheken” _builder_version=”4.21.2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.21.2″ text_font=”Darker Grotesque|600|||||||” text_font_size=”18px” text_line_height=”1.4em” global_colors_info=”{}”]<\/p>\n

nOp zoek naar een nieuwe woning en benieuwd of dit financieel haalbaar is? Op internet zijn er vele berekeningsmodules te vinden en geven je een goede indicatie van wat de maximale leencapaciteit is. Je maximale leencapaciteit is van vele factoren afhankelijk en daarom merken wij in de praktijk regelmatig dat de maximale leencapaciteit naar boven of naar beneden bijgesteld dient te worden. Dit wordt o.a. veroorzaakt door het meetellen van bepaalde inkomensbestanddelen, kleine leningen\/ telefoonabonnementen die aanwezig zijn, of fiscale beperkingen.<\/p>\n

Om een goede indicatie van je maximale leencapaciteit te krijgen adviseren wij je om contact met ons op te nemen zodat je goed voorbereid de woningmarkt kan bekijken en hiermee teleurstelling achteraf te voorkomen omdat de droomwoning toch niet haalbaar blijkt te zijn.<\/p>\n

Wat komt er nog meer bij kijken?<\/strong><\/em><\/h2>\n

De toetsing op basis van je inkomen en de waarde van de woning is een eerste grove indicatie van wat je maximale hypotheek kan zijn. In het vervolgonderzoek gaan wij deze eerste toetsing verder uitwerken en worden ook zaken meegenomen als:
– leeftijd
– overige verplichtingen zoals alimentatie, financieringen, DUO-leningen
– opbouw van je inkomen (bijv. onregelmatigheidstoeslagen, 13e maand, structureel overwerkt, etc.)
– gezinssituatie
– eigen middelen
– en nog een aantal zaken die van belang zijn voor een goed financieel overzicht van jouw situatie.<\/p>\n

Met deze gegevens vervolgen wij ons onderzoek bij de diverse geldverstrekkers omdat elke geldverstrekker zijn eigen acceptatienormen heeft over deze componenten. Zo kan het zijn dat bij de ene geldverstrekker een component sterk meeweegt in de hoogte van je maximale hypotheek terwijl de andere geldverstrekker daar andere acceptatienormen op toepast. Deze acceptatienormen bepalen uiteindelijk hoeveel hypotheek je kan krijgen. De verschillen in acceptatienormen kunnen nog wel eens het verschil zijn tussen de woning wel of niet kunnen kopen.<\/p>\n

Door onze jarenlange ervaring op hypotheekgebied en het uitgebreide palet aan geldverstrekkers gaan wij de juiste partij voor je zoeken waarbij een goede combinatie van laagste rente, goede voorwaarde, hypotheekvorm en een passend financieel plaatje een must is.<\/p>\n

\u00a0<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ max_width=”750px” module_alignment=”center” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/raev-advies.nl\/wp-content\/uploads\/2023\/08\/financial-advisor-02.png” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.21.2″ text_font=”Darker Grotesque|900|||||||” text_text_color=”#2a2a2a” text_font_size=”40px” text_line_height=”1.4em” text_font_size_tablet=”30px” text_font_size_phone=”24px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Bel ons voor een vrijblijvende afspraak!<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ max_width=”750px” module_alignment=”center” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/raev-advies.nl\/wp-content\/uploads\/2023\/08\/financial-advisor-02.png” _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Features” _builder_version=”4.16″ background_color=”#263142″ locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ admin_label=”Row” _builder_version=”4.21.2″ positioning=”absolute” position_origin_a=”center_center” position_origin_a_tablet=”” position_origin_a_phone=”” position_origin_a_last_edited=”on|phone” position_origin_f_tablet=”” position_origin_f_phone=”” position_origin_f_last_edited=”on|phone” position_origin_r_tablet=”” position_origin_r_phone=”” position_origin_r_last_edited=”on|phone” max_width=”none” positioning_tablet=”relative” positioning_phone=”” positioning_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.21.2″ text_font=”Darker Grotesque|900|||||||” text_text_color=”rgba(221,204,184,0.08)” text_font_size=”20vw” text_line_height=”0.8em” scroll_vertical_motion_enable=”on” scroll_vertical_motion=”0|50|50|100|2|0|-2″ scroll_vertical_motion_tablet=”” scroll_vertical_motion_phone=”0|50|50|100|0|0|0″ scroll_vertical_motion_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ header_2_font=”Darker Grotesque|900|||||||” header_2_font_size=”60px” background_layout=”dark” header_2_font_size_tablet=”42px” header_2_font_size_phone=”30px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

De banken waarmee wij samenwerken<\/h2>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_slider _builder_version=”4.21.2″ _module_preset=”default” background_color=”#26558c” background_image=”https:\/\/raev-advies.nl\/wp-content\/uploads\/2023\/08\/Fotolia_59655224_S.jpg” min_height=”506.9px” animation_style=”fade” auto=”on” auto_speed=”2500″ global_colors_info=”{}”][et_pb_slide heading=”Westland Utrecht Bank” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Woonfonds hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Tellius hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Tulp hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Venn hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Reaal hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Robuust hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Syntrus Achmea hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Obvion hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Munt hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”NIBC hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”IQ Woon hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Jungo hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Merius hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Florius hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Delta Lloyd hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Centraal Beheer hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”BLG hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Argenta hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”ASR hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Attens hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Bijbouwe hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Allianz hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”ABN Amro hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”ING hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Lloyds Bank hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Nationale Nederlanden hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Rabobank hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Clarian Wonen hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Dynamic Credit verhuurhypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Hypotrust” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Impact hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Lot hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Philips pensioenfonds hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Vista hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Woonnu hypotheken” _builder_version=”4.21.2″ _module_preset=”default” header_text_color=”#000000″ global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

\"\"<\/p>\n

[\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”CTA” _builder_version=”4.16″ background_color=”#263142″ background_image=”https:\/\/raev-advies.nl\/wp-content\/uploads\/2023\/08\/financial-advisor-24.png” min_height=”111px” locked=”off” global_colors_info=”{}”][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Footer” _builder_version=”4.16″ background_enable_color=”off” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(249,243,232,0.85) 0%|rgba(249,243,232,0.9) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(249,243,232,0.85)” background_color_gradient_end=”rgba(249,243,232,0.9)” background_image=”https:\/\/raev-advies.nl\/wp-content\/uploads\/2023\/08\/financial-advisor-41.jpg” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_4,1_4,1_2″ _builder_version=”4.16″ locked=”off” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/raev-advies.nl\/wp-content\/uploads\/2023\/08\/RAEV_logo.png” title_text=”RAEV_logo” _builder_version=”4.21.2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.21.2″ text_font=”Darker Grotesque|600|||||||” text_font_size=”18px” text_line_height=”1.4em” header_4_font=”Darker Grotesque|900|||||||” header_4_font_size=”22px” header_4_line_height=”1.4em” global_colors_info=”{}”]<\/p>\n

Adres<\/h4>\n

Brugge 18
2993 LB\u00a0 Barendrecht<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.21.2″ text_font=”Darker Grotesque|600|||||||” text_font_size=”18px” text_line_height=”1.4em” header_4_font=”Darker Grotesque|900|||||||” header_4_font_size=”22px” header_4_line_height=”1.4em” global_colors_info=”{}”]<\/p>\n

Email<\/h4>\n

info@raev-advies.nl<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.21.2″ text_font=”Darker Grotesque|600|||||||” text_font_size=”18px” text_line_height=”1.4em” header_4_font=”Darker Grotesque|900|||||||” header_4_font_size=”22px” header_4_line_height=”1.4em” global_colors_info=”{}”]<\/p>\n

Telefoonnummer<\/h4>\n

0180-820 238<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ custom_padding=”|50px|||false|false” custom_padding_tablet=”|0px|||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Hoeveel kan ik lenen?nOp zoek naar een nieuwe woning en benieuwd of dit financieel haalbaar is? Op internet zijn er vele berekeningsmodules te vinden en geven je een goede indicatie van wat de maximale leencapaciteit is. Je maximale leencapaciteit is van vele factoren afhankelijk en daarom merken wij in de praktijk regelmatig dat de maximale […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-174","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/raev-advies.nl\/index.php\/wp-json\/wp\/v2\/pages\/174","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/raev-advies.nl\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/raev-advies.nl\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/raev-advies.nl\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/raev-advies.nl\/index.php\/wp-json\/wp\/v2\/comments?post=174"}],"version-history":[{"count":7,"href":"https:\/\/raev-advies.nl\/index.php\/wp-json\/wp\/v2\/pages\/174\/revisions"}],"predecessor-version":[{"id":197,"href":"https:\/\/raev-advies.nl\/index.php\/wp-json\/wp\/v2\/pages\/174\/revisions\/197"}],"wp:attachment":[{"href":"https:\/\/raev-advies.nl\/index.php\/wp-json\/wp\/v2\/media?parent=174"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}