The most common mortgage is the annuity mortgage (in Dutch: annuïteitenhypotheek). That is not without reason. With this mortgage you start with lower monthly payments. First-time buyers in the housing market have the option of choosing between two different types of mortgage: an annuity mortgage or a linear mortgage. A mortgage advisor is often asked … Read more
An important decision when taking out a mortgage is the choice of which mortgage type you want. An annuity mortgage or linear mortgage? At Bliss we often get questions about what the best mortgage type is. One thing is certain. It is your personal choice. Annuity or linear repayment There are many things to consider … Read more
The loan-to-value (LTV) is the percentage in which the amount of the mortgage (loan sum) is compared to the market value of the collateral. The lower the LTV, the more certainty the provider of the financing has that the outstanding or requested loan sum can be repaid from the proceeds of the (execution) sale of … Read more
If you and your ex-partner own a home for sale, it can be checked and calculated whether one of you can stay in the home after the divorce. Your joint home has a certain financial value and belongs to both of you. In the event of a divorce, this value is fifty percent of the … Read more
When you apply for a new mortgage, there are many different documents that you need to provide to assess your mortgage and determine how much mortgage you can get. If you were previously divorced, the lender will often request a number of additional documents from you. These extra documents have to do with your divorce. … Read more
Divorce is an emotional rollercoaster and a lot of hassle. To then also have to change your home, or worse, your place of residence, is a very unpleasant sight. It is therefore possible that you also have the following question: can I continue to live in my own house? Answering this question is very difficult. … Read more
Separating from bed and board is a kind of temporary solution. If you don’t want to officially divorce by law, but you can’t live together under one roof, this way of divorce is a solution. However, this form of divorce is becoming less common. That has to do with the law. By law you are … Read more
Co-parenting is a visitation arrangement that parents have with each other about the children when they are divorced. In co-parenting, the division of care and parenting tasks is equally divided between both parents. When co-parenting? With co-parenting it is important that you as parents live close to each other. Preferably no more than 7 kilometers … Read more
An employer statement when taking out the mortgage, why do you need this document? What exactly is an employer statement and do you also need such a statement for the mortgage application? Learn more about what you need to know and download three models in this article. Employer statement 2022: what is that? Are you … Read more
The Temporary Mortgage Credit Scheme (TRHK) forms the Dutch legal basis for providers to be able to provide mortgages in the Netherlands. Mortgage lenders are obliged to take into account the mortgage rules laid down in this law with regard to the financing of an owner-occupied home. Within the TRHK there is room to offer … Read more