Declaration of debt to possess a mortgage app

Declaration of debt to possess a mortgage app

To determine just how much your debt, examine ‘Mijn schulden’ in the Mijn DUO. You’ll find announcements regarding your debt under ‘Mijn berichten’. These could feel published out. If you like an announcement out of loans having home financing app or tax go back, oftentimes everything when you look at the Mijn DUO is sufficient.

Throughout the Netherlands, their beginner obligations or lifelong studying credit is taken into consideration when figuring exactly how much you could potentially borrow to possess a home loan. Really lenders therefore require evidence of so it – particularly, the amount of the fresh debt. DUO features agreed having loan providers as you are able to bring you to definitely research by the entry brand new alerts issued at the beginning of the fees stage, stating how much you must pay off each month. Discover that it notification when you look at the Mijn DUO, lower than ‘Mijn berichten’.

Which notification you will want to complete depends upon in the event the cost phase first started. If it try just before 2017, then chances are you gotten the newest notification in the January of the year in the and this the fees stage started. If it try while in the or shortly after 2017, you acquired they 2 months prior to the beginning of the the fees stage. That is always for the Oct otherwise November. Are you paying down an effective lifelong studying credit? Your obtained new alerts when you look at the January, following avoid of the lifelong understanding borrowing from the bank.

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While you are incapable of find the notification during the Mijn DUO, you might consult a duplicate using the on the web contact page. You are going to found which of the blog post inside 2 weeks.

Even more money

Perhaps you have made volunteer additional money? Both, financial team keep this in mind whenever calculating just how much you can be obtain. Such as, because it enjoys less your remaining month-to-month instalments otherwise because you provides eliminated your debt entirely. As the facts, you need the fresh new confirmation you obtained even as we canned their volunteer fee. Or the alerts stating your own faster monthly instalment. For many who paid of the most readily useful, you will want to discover that it within step three business days. Or even, it will require up to two weeks.

If you like an even more intricate report out of debt, we are able to elizabeth-post it for your requirements into the demand. But this might be only you are able to for those who have inserted a legitimate e-mail target inside the Mijn DUO. To protect your confidentiality, we can’t e-send announcements, texts or any other records. As well as, your own demand have to come from the fresh elizabeth-send target entered from inside the Mijn DUO.

So you’re able to request the full declaration off loans, have fun with our very own online contact form. Depending on your role, you will get the pursuing the information:

  • their unique obligations balance at the start of the installment phase.
  • your debt equilibrium, and additionally desire accrued.
  • your current interest and its particular ages of authenticity.
  • the brand new quantities of any extra repayments produced as well as their value times.
  • your own old and you will this new monthly instalments, in addition to their performing schedules.
  • the rest label of debt.
  • verification off complete payment.

Yearly statement getting Dutch income tax regulators

Most of the time, you don’t need in order to state their a fantastic college student financial obligation when processing an income tax come back from the Netherlands. Ergo, we really do not send you an annual statement since the basic. If you want to know your debt balance, you will find they inside the Mijn DUO around ‘Mijn schulden’. And you can under ‘Schuldhistorie’ there is the fresh new amounts you due with the 29 December away from earlier in the day decades.

Can you are now living in the Dutch Caribbean? And have your reduced the beginner obligations? Then you will found a yearly report.

  • the quantity outstanding is over € step three,two hundred when you find yourself solitary or even more than € six,eight hundred when you yourself have a partner, and you may
  • the assets in Field 3 (discounts and you will investments) surpass the latest exception tolerance. In 2021 which is € fifty,100000 for single people otherwise € one hundred,000 having people, to your site date being .

It’s not necessary to county your own student fund because the income whenever you file a taxation return. We are able to, although not, deliver a public transport declaration if you want they to have your report.

When you find yourself unable to log into Mijn DUO, fool around with the online contact page rather to inquire about for your annual statement.

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