mortgage calculator abn amro. When energy-efficiency measures are included in the mortgage, the limit is even higher: € 429,300 . mortgage calculator abn amro

 
 When energy-efficiency measures are included in the mortgage, the limit is even higher: € 429,300 mortgage calculator abn amro  1

Account for interest rates and break down payments in an easy to use amortization schedule. It’s time again to complete your tax return, which you will need to do between 1 March and 1 May 2023. Click ‘Change mortgage’ at the bottom of the page. In general, you could say that the Dutch prefer to only spend money they actually have. The ABN AMRO app lets you quickly take care of almost all your day-to-day banking. If you renovate your home to energy label A or B and you register the energy label with the Dutch government within 24 months of the start of your fixed-rate. Simple online application process. If you're already using ABN AMRO Internet Banking, you can easily open a Direct Savings account online. mortgages. Mobile Banking. Are you looking for an advantageous mortgage rate? View the current mortgage interest rates of ABN AMRO. Now click the pencil icon next to ‘Loan part details’. In the previous 5 steps, you already learnt a lot about investing. Loan calculator . Make sure every copy is well readable and do not cross out information! Mention your application number on every document. 1. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. 5. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Notary fees for the mortgage deed. The Euribor rate is set every day at 11 a. Report amortization. Make repayments using iDEAL - Flexibel. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Want to check your balance or make a transfer? Internet Banking lets you do your banking online with your PC, tablet or mobile. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Or check the website of Nationale-Nederlanden (in Dutch) . Download the ABN AMRO app and click 'Open account'. 1. ABN AMRO Mortgage Group is one of. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Calculate your mortgage. Make your own investment choices. You have sufficient time and knowledge. A mortgage is a loan to buy a home. During this meeting, you and our adviser discuss the housing market in the Netherlands, the process of buying a house, your options and your wishes. Savings or mortgage: ABN AMRO’s home advisers know how you could finance sustainable home improvements. Your savings can achieve returns through sustainable investments and have a positive impact on people and the environment. Taking out a loan in three steps. ABN AMRO offers favourable borrowing conditions. dentifier; About the ABN AMRO app; More apps. Nor do we provide intermediary services for new term life insurance. Personal, by telephone, with an app or wired. If you’re currently in the market to buy a house in the Netherlands, it’s worth considering the mortgage options offered by ABN AMRO. Take a look at the current interest rates. You’ll have to consider the regulations and legislation, the tax benefits and the Dutch housing market. When going directly to a bank you will have to pay. Find out how to do this and more. Costs and profit. With our interest-only mortgage, you pay only mortgage interest each month; you don’t make any repayments. Whether they use the money for their studies, to go travelling, or to get a driving licence, it will definitely be money well spent. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Housing market monitor - turnaround, quick price correction. The process of buying a home in the Netherlands may be different from the process you’re used to. These percentages could change in the future. 2. V. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Make an appointment. Exclusive ABN AMRO socks to banish cold feet forever. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Get the Winter-Proof Home Pack and a 20% discount. The company has been financing home ownership for over 100 years. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. At the end of the term, you must repay the mortgage in full. 15 August to 30 December. For investment funds in our basic range, you do not have to pay any transaction costs. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. The initial orientation meeting is free of charge, with no strings attached. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Legal expenses insurance. You’ll find your loan (s) at the bottom of that page in the overview of your products. You can no longer take out term life insurance through ABN AMRO. Start your application. We can offer you a video-based mortgage consultation from the comfort of your own home within 24 hours. How advice works. You will also get advice on how to eliminate or reduce those risks. You will receive a discount on your mortgage interest rate if you buy a home with energy label A or B or if you buy a newly built home. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. The current fee is €4. 5. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. 2. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. All of the current interest rates for our current and savings accounts are listed in one convenient place. Now is a good time to check if your insurance cover is ready for winter. The additional fee will. Total savings interest. Remember to check your options and the consequences for your monthly expense first. ABN AMRO app. Bram Vendel is an economist and data scientist at ABN AMRO’s Group Economics department, where he has been working since 2023. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2022 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2022 and get instant information on how much you can borrow. Open Fixed Costs. Check here whether your documents meet all requirements. Making a sustainable living appointment. The annual percentage rate (APR) expresses all costs associated with the loan. Request a loan quote. You can do so at ABN AMRO by first opening a current account with us. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Argenta, and ABN AMRO. Future income. 2. personal. If you take out an interest-only mortgage now, you can borrow up to a maximum of 50% of your property’s market value. personal. As of Monday 1 May. We are experts in expats. 15% if their home is officially registered as energy label A or higher. A mortgage is a loan. and communicated to all stakeholders and to the press. Page 1 of 5 Contents Home Mortgage Conditions June 2023 Contents Home Mortgage Conditions Conditions governing ABN AMRO Mortgage Types - Budget Mortgage 1. If you have changed your mind and want a different fixed-rate period. Mortgage loan basics Basic concepts and legal regulation. We look forward to delivering a wide array of outstanding products and. Request a loan quote. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Banking the way you want it: on your computer or on your phone. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Login now Here’s how to. banking product. Check and sign the requested documents. Open an account. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. . During this consultation, you and our adviser discuss the housing market in the Netherlands, the process, your options and your preferences. The personal loan is suitable for a large purchase. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Buying or renting. How to view your Wealth Dashboard. You no longer have to pledge your term life insurance to ABN AMRO for your NHG-backed mortgage. This is how you contact ABN AMRO. The Beleggers Spaarrekening is an ABN AMRO Bank N. The advice session starts with a comprehensive analysis of your financial situation, including any risks you might be exposed to when taking out a mortgage. 9%. AMSTERDAM (Reuters) -Dutch bank ABN Amro on Wednesday beat analyst expectations with a 77% jump in first-quarter net profit to 523 million euros ($576 million), helped by rising interest rates and. Calculating your loan will give you an idea of how much you can borrow and what it will cost you. - The new account number that you want us to direct debit from now on. However, your maximum mortgage is 106% of the value of your home if. And that appeals to an increasing number of investors. Now click the pencil icon next to ‘Loan part details’. First and last day of the month: 6 a. Go to your personal ABN AMRO Verzekeringen environment. During the renovation, you are only insured for the basic coverage of your home contents and home insurance. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. We also offer different repayment options for you to choose from, including repayment as a Level-Payment Mortgage, Straight-Line Mortgage or an Interest-Only Mortgage. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Interest-only mortgages explained. If that’s not possible, you can opt for an urgent credit transfer. Calculate your mortgage with ABN AMRO's online calculator and find out the best interest rate for your situation. Valuation fees. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Spaar Deposito. Use our mortgage calculator to calculate your maximum debt with ABN AMRO at 2023 and get instant get turn how loads you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Free orientation consult. Handy! This makes it easier to keep track of your money. Calculate your maximum mortgage and monthly payment yourself. 1471. Research Group Economics. Until which date can I scan acceptgiros via the ABN AMRO app? You can do that until and including Sunday 30 April 2023. Attach a recent bank statement showing your name and details. Mortgage calculator; Mortgage interest rate; Make an appointment; Mortgage with advice; Mortgage without advice; Mortgage for rental property; All about mortgages; Mortgage types;With ABN AMRO you can, either in an appealing selection of stocks, investment finds and ETFs (Basic) or in a wide range of instruments including complex investment products (Plus). What this means for you. An ABN AMRO mortgage shortfall loan has a maximum term of 15 years. Mortgage With Advice. If you want a longer or shorter fixed-rate period, the maximum mortgage amount will be lower; an ABN AMRO customer discount of 0. Euribor stands for Euro Interbank Offered Rate. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Click ‘Wealth Dashboard’ (the button is top-right on Internet Banking, and. If you fell behind on your payment obligations at any time during the past five years, you’ll be assigned a. These. Our mortgage calculator is the first step to answer this quesion. Self-directed Investing Basic or Self-directed Investing Plus. Cancelling a standing order. As a result of the new regulations, we have also adjusted our investment policy and introduced four new sustainability profiles: ‘Non-sustainable’, ‘ESG Starters’, ‘ESG Advanced’ and ‘Impact’. All of the current interest rates for our current and savings accounts are listed in one convenient place. dentifier software. You do have theft cover if you are renovating. The form your repayments take is dependent on the mortgage type. mutaties@nl. Fees payments via terminal. specially for. More information about mortgages in the Netherlands. What can I expect of the Mortgage Calculator Netherlands? You probably have seen mortgage calculators from banks like the ABN AMRO mortgage calculator, the Rabobank mortgage calculator or the ING mortgage calculator. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Calculate your loan. 60%. No longer compulsory as of 1 January 2020. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. If you are indeed eligible for such a mortgage, the calculator will tell. 3. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Talk to a budget coach. to 7 p. Check Internet Banking or the ABN AMRO app to see the fee-free allowance for your mortgage. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. This is a quick way of submitting your invoices, so that you are not distracted from building or renovating your home. In the Netherlands, you can borrow up to 100% of the value of the property. 3. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. If your taxable income in 2021 exceeds €68,507 (€69,398 in 2022), it’s important to note that you can offset the deductible mortgage interest at a maximum rate of 43% in 2021. Various costs incurred during the purchase process can be deducted from your income tax. Step by step guidance by a mortgage adviser. V. We currently only offer a fixed term of 1, 2, 3, 5 or 10 years. 2. Calculating your loan will give you an idea of how much you can borrow and what it will cost you. Werken bij. The term will then depend on the maximum monthly mortgage costs you can afford. Sustainability discount with energy label A or B. Private Banking contact. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Housing market falters due to drop in purchasing power, higher mortgage rates and ailing economy We adjust our estimates and instead of a 2. For a precise calculation, schedule a free appointment with our expat mortgage advisors. Personal, by telephone, with the app or online. 2 Specific advice is advice on a new or existing mortgage. This means that damage to your home or belongings due to a renovation is not insured. Log in to Internet Banking. If you have requested or received a postponement (extension), you have more time to submit your tax return. Including debit card for € 2. 0. 15% when you buy an energy-efficient home or take further sustainability measures. It will make it that little bit easier for your child or grandchild to go to university, get a driving licence or find a place of their own. And a sustainability discount of up to 0. How much money we need to be able to provide loans. - The new account number that you want us to direct debit from now on. com quoting: - The contract number of the loan for which you have issued a direct debit mandate. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. A lot of employers of expats help their employees find a home to rent and make the necessary immigration arrangements, such as requesting a Dutch personal ID number (BSN). However, you may still need to pay purchasing costs such as the costs of a building survey when. Find your loan under 'Self service'. If you are planning to buy a home and would like to know the maximum mortgage you can afford, you can calculate how much you can. Click the number behind ‘Claimnummer’. No need to visit your branch or call us. We will start compensating clients with the Privélimiet Plus credit facility or a student overdraft facility in 2023. What this means for you. Compared to people in other countries, the Dutch are less likely to have a borrow money. 'Predictions' shows your expected transactions for the next 30 days. 10% if their home is officially registered as energy label B. However, your maximum mortgage is 106% of the value of your home if you spend the amount in excess of 100% of the value on energy. Request a quote. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. You will be given insight into your finances and the risks involved, but. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. 47%. 2 What does the mortgage right entail? 1. 5. 25 years the expert in expats. Cash withdrawals (notes) abroad using a credit card. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. ABN AMRO reports that in spite of inflationary pressures and higher interest rates - demand for residential mortgages has continued to remain strong, following several quarters of decreases for. € 596,84. 1. The videos below show how to accept or reject this compensation offer. € 600,00. If you want to increase your mortgage, there are two ways to do this: Increase it yourself You can ask for help at any time via chat or Direct Video Banking. Consult a qualified professional before making any decision. V. Just like a mortgage consultation at one of our branches, an initial consultation is free and without obligation. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2022 and get instant information on how much you can borrow. If you take out two or more home insurance policies now, you will get the Winter-Proof Home Pack, which contains: A lovely soft, unique ABN AMRO sofa blanket. Now is a good time to check if your insurance cover is ready for winter. EN; NL;. No need to visit your branch or call us. Commercial; Private Banking; Login. Your options are as follows:Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Click ‘Change mortgage’ at the bottom of the page. As of 1 March 2022. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. Advice future income. Also take a look at the complete list of fees for. Under ‘Documenten’, you can see the documents added by you in relation to the claim. Internet Banking comes free of charge with your personal account. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Make a free, no-strings-attached appointment. Hypothec is the corresponding term in civil law jurisdictions, albeit with a wider sense, as it also covers non-possessory lien. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Your partner's yearly income. The fee for an additional debit card will cost €1. 5. 1 - 2 years. In the unusual situations we have seen over the past period, savings interest rates may drop to (nearly) zero or even below zero. is covered by the deposit insurance scheme, which means that any savings you have deposited with ABN AMRO Bank, ABN AMRO MeesPierson and MoneYou are consolidated. Apply online in three easy steps. The term of a personal loan ranges between 12 months and 144 months. Now is a good time to check if your insurance cover is ready for winter. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. If you know a lot about mortgages, you may be able to arrange your mortgage yourself in some cases, without advice. Please note that the online Mortgage Calculator provides you with an estimation only. 50% of € 6,000 x 138/365 days = € 34. What. Our Engagement team may contact you personally to draw your attention to our online events, and even with the possibility to schedule a free meeting with one of our mortgage consultants. Choose the loan part for which you want to make an additional repayment. Our easy-to-use calculator helps you find out the maximum loan amount for an NHG-backed mortgage. Most interest-only, savings-linked or unit-linked mortgages allow you to repay 10% of the principal every year. Calculate your loan. 3 Your mortgage must be in keeping with your financial situation and your. If the home has an energy label A or B, you can borrow more, up to 80% of the market value when let. Send an email to lenen. You will be charged a mortgage guarantee fee for an NHG-backed mortgage. Contact us. Your new monthly mortgage payment and outstanding principal will be shown instantly. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2022 and get instant information on how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. NOTE! If you decide to arrange the increase yourself, you will need to complete the knowledge and experience test . In his previous role of risk analyst at ABN AMRO Mortgages, Bram worked on climate risk modelling for ABN AMRO’s mortgage. With an ABN AMRO annuity mortgage, you repay part of the loan each month. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Self-directed Investing Basic or Self-directed Investing Plus. ABN AMRO Mortgage. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. At ABN AMRO you manage your banking affairs as you please. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2022 and get instant information on how much you can borrow. However, there must be demonstrable signs of burglary. Keep reading or make an appointment with one of ABN AMRO’s mortgage advisers. Make an additional repayment to an ABN AMRO account. If you make your repayments as required, this listing won’t have any consequences for your credit rating. His responsibilities include the analysis of the Dutch housing market and transaction data. Step-by-step guide to buying a home: a new home in 5 steps. ABN AMRO corporate website. Premium How much premium you pay for your car insurance depends on your:. 09 €. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. You must therefore make sure you store building. 100% of your average income from paid employment and self-employment over the past 3 years (as long as your current income matches the. If you would like to know what is possible for you, make a free appointment for a no-obligation orientation meeting at one of our branches, at home or via video banking. Calculating your loan will give you an idea of how much you can borrow and what it will cost you. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Werken bij. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. This leadership explains how to secure Dutch. 1-800-MORTGAGE. Log into the ABN AMRO app and go to your transactions. View the new interest rates. Mobile Banking. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. If you do not use the ABN AMRO app for 5 minutes, you will automatically be logged out. Research Group Economics. If you fell behind on your payment obligations at any time during the past five years, you’ll be assigned a. 95 per month. You can read more about the sustainability profiles in the 'A closer look at your investment profile' brochure. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. You can start with €50. 75 per month as of 1 January 2024. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. In the ABN AMRO app, click ‘Self-service’ and then your ABN AMRO mortgage. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. More about taking out a mortgage. File your tax return. This will give you a discount on the mortgage interest rate, provided that your salary is paid into an ABN AMRO account. Like other banks, we set savings interest rates based on the following factors: Interest rates in the money and capital market. At the top, select ‘Claims’. No guarantee is made for the accuracy of the data provided. In that bar, next to ‘in progress and rejected’ and ‘Future’, you will find the tab ‘Fixed Costs’. DochterondernemingenMost interest-only, savings-linked or unit-linked mortgages allow you to repay 10% of the principal every year. With ABN AMRO you can, either in an appealing selection of stocks, investment finds and ETFs (Basic) or in a wide range of instruments including complex investment products (Plus). Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. These costs amount to around 2 to 3% of the property’s purchase price. Tikkie. m. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Above your transactions you will see a bar. When energy-efficiency measures are included in the mortgage, the limit is even higher: € 429,300 . If you think this is the mortgage for you, make an appointment with one of ABN AMRO’s advisers. For example: Mortgage advice fees. More information on secure banking. First check on Internet Banking or in the Mobile Banking app what options you have and how they affect your monthly payment. 54%. Personal, by telephone, with the app or online. Calculate how much you can borrow. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. 5. A partially interest-only loan is also an option. At the beginning of your mortgage term, your repayment is smaller and you pay more interest. With a KidsFuture Savings Account, you are setting the right example and will give your child a flying start later in life. 2 Specific advice is advice on a new or existing mortgage. These interest rates are valid as of 3 July 2023 and are annual effective rates. After the orientation meeting, you can proceed with advice. Just go to Internet Banking or use the ABN AMRO app to make the repayment. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. From the term to the next repayment date: find all you need to know about your loan on Internet Banking. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. Next, select ‘Additional repayment’. Discount on your mortgage interest rate. Insurance. Use our mortgage calculator to calculate your maximum mortgage with ABN AMRO in 2023 and get instant information on how much you can borrow. View the fees for all our personal products. Spaar Deposito. How much interest you pay depends on your personal situation, taking into account aspects like the loan purpose (what it will be used for), whether you own your home, and your risk profile, for example. For clients who live outside the Netherlands or in a special municipality (Bonaire, Saba and Sint Eustatius), the costs we as a bank have to incur are higher on average.