|Problem z placeniem kredytu hipotecznego - Instytucje, które moga Ci pomóc|
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8 organiSationS to hElP you
When you buy a home, you
assume that your present income
will enable you to continue making
the monthly mortgage payments
in the future too. Unfortunately
circumstances change and you
may be unable to fulfill your
commitments, either temporarily
or permanently. Unemployment
or disability are examples of such
situations. Where couples divorce,
one of the two incomes may be
lost. In extreme cases, the house
has to be sold.
Prevention is better than sale
It is very important to prevent payment arrears and if such
a situation does occur, to resolve it as soon as possible.
Overcome any embarrassment and seek help in good time.
Remember: you are not the only one with payment problems.
There are numerous organisations which will be happy to
help you. You can prevent many difficult situations by taking
action and getting help. Here are eight useful tips to help you
resolve possible payment problems and existing arrears.
01 Contact your mortgage lender
This is definitely top priority. If you are facing payment
problems, contact your mortgage lender immediately. Your
intermediary or mortgage adviser can probably give you the
right telephone numbers. Check correspondence from your
mortgage lender to see which telephone number to call. It is
vital not to waste any time and take immediate action if you
are facing money problems. In many cases, payment problems
are the result of a change of income, for example as a result
of unemployment. This is not always a permanent situation.
During the period that you have no or less income, it may be
possible to reach an agreement with your mortgage lender.
You may be in paid employment again within a few months
and be able to repay the arrears. Without having to sell
02 Contact the Belastingdienst (Inland Revenue)
The interest that you pay on your mortgage is tax deductible.
This means that some of the interest you pay is refunded.
This can be arranged by completing a tax return every year.
You can also receive the refund every month. You can request
the ‘verzoek voorlopige teruggaaf’ (application for interim
refund) form from the Inland Revenue or download it from
www.belastingdienst.nl.03 Visit the NIBUD website
The Nationaal Instituut voor Budgetvoorlichting
(Consumer Credit Counselling Service) provides several
very useful tips about how to keep a grip on your financial
situation and prevent payment arrears. Visit the website:
www.zelfjeschuldregelen.nl and follow the steps. For more
information, you can also visit: www.nibud.nl.
04 Contact the municipality
If your income is temporarily insufficient to pay your mortgage,
you may be eligible for a ‘woonkostentoeslag’ (living costs
allowance) from the municipality. This is a temporary
supplement to your income, similar to the rent subsidy. The
criteria for receiving the allowance vary in each municipality.
Information is available from your municipality.
05 Contact your Gemeentelijke Kredietbank (GKB)
or a municipal credit bank
If you have several debts, a Gemeentelijke Kredietbank can
mediate between you and your creditors. This can result in
a payment arrangement based on your income. Contact your
municipality for the address of your local Gemeentelijke
Kredietbank. Or visit www.nvvk.eu for the addresses
of Gemeentelijke Kredietbanks or municipal banks in
06 Contact your employer
Your employer can help you reach a payment arrangement
with your mortgage lender. For example, you can arrange
to have some of your monthly salary paid directly to the
mortgage lender so that regular payment instalments are
maintained and/or the arrears can be paid off. You might
also consider using your holiday allowance or thirteenth
month to pay your arrears.
07 Mortgage payment facility (WLF)
If you already have a mortgage with NHG and you are
temporarily unable to make your mortgage payments in full
as a result of unemployment, disability, divorce or death of
your partner, you may be eligible for the WLF. The WLF allows
you to add your payment arrears to your mortgage so that
you have more time to bridge a difficult period in your life.
In order to be eligible for the WLF, contact your mortgage
lender. They will determine whether and under what conditions you may use the WLF. Your mortgage lender will assess
the maximum amount you are able to pay on mortgage
payments with your present income. The part that you are
temporarily unable to pay will be added to your mortgage
to a maximum of 9% of the total mortgage sum. Once your
income has been restored, your mortgage lender will agree
a repayment schedule with you.
The WLF is therefore not a ‘mortgage holiday’ but offers you
the possibility to bridge a difficult period so that you can stay
in your home.
08 Contact an estate agent
If none of these tips helps resolve your payment problems,
you may have to start thinking about selling your home through
an estate agent. It is essential to do this in consultation with
your mortgage lender. This prevents your payment arrears
rising even further and limits any residual debt.
– De Belastingdienst (Inland Revenue), www.belastingdienst.nl
– Gemeentelijke Kredietbanken (GKB), www.nvvk.eu
– Nationaal Instituut voor Budgetvoorlichting (NIBUD),
– Nationale Hypotheek Garantie (NHG), www.nhg.nl
– Centrum voor Werk en Inkomen (CWI), www.werk.nl
If you have any questions, please contact NHG:
0900 11 22 393 (€ 0,35 p/m). We will be happy to