Financial advice is given not only on the basis of your current financial situation and preferences and goals, but also on the basis of your knowledge of, experience with and willingness to take risks regarding financial aspects and products. The kind request that in preparation for the interview with the mortgage advisor, you complete this form.

Your details - Step 1 of 9

Your details

Name *

Voornaam

Achternaam

E-mail *

Start questionnaire

Goals

What financial goals do you have in life (multiple answers are possible)? *

• Being able to live well now, setting aside money for income later is less important
• Certainty of sufficient income in all situations
• Money available for expensive studies
• Larger house in the future
• Ever be able to take a trip around the world
• Saving money for a big expense, e.g. car, boat or wedding
• Setting aside money for college or children's studies
• Saving for a sabbatical
• Donating money
• Carefree retirement
• Something else

What amount can you save on average per month now? *

What goal are you saving for now? *

• Buffer for unforeseen expenses
• Doing fun things
• No specific goal
• A specific goal

Explanation of answers above

Next

Future perspective

How will your income develop? *

• Rising
• Staying the same
• Declining

When do you want to stop working? *

• State pension age
• Sooner
• Later
• I don't know yet

Do you expect a change in employer in the next 5 years? *

• Yes
• No

Are you expecting a change in family situation? *

• Yes
• No

How many years do you plan to live in the property? *

Explanation of answers above

Next

Risk & knowledge

Can you live with financial risks? *

• I always look for as much certainty as possible
• I sometimes take a gamble, but avoid big risks
• I accept uncertainty and can live well with financial risk

Are you willing to adjust your spending pattern in case of financial setbacks?

• Yes, I am willing to sell my house
• Yes, I am willing to save on major living expenses
• Limited, I am willing to go on less hollidays
• Limited, I tap into my financial buffer if necessary
• No, not at all

What in particular do you look for when purchasing a financial product? *

• More risk with a chance for high returns
• Less risk but guarantee of safe returns
• The best quality in conditions and this may cost something
• The more risks are excluded the better I feel

What appeals most to you? *

• Certainty
• Returns

For the topics below, please indicate your level of understanding

4=I know a lot about that, 1=I know nothing about that

Financial knowledge and experience

Geselecteerde waarde: 1

Financial products

Geselecteerde waarde: 1

Tax and social legislation

Geselecteerde waarde: 1

Financial advice (experience)

Geselecteerde waarde: 1

Explanation of answers above

Next

Mortgage

What are your preferences and goals regarding taking out a mortgage? *

• Buying a property
• Home renovation
• Getting the lowest possible monthly cost
• Stable monthly costs over a long period of time
• Build up capital to pay off (part of) the mortgage
• Extra mortgage to supplement income
• Buyout of partner in case of divorce
• For consumption purposes (such as a car or world trip)
• Something else

Are you prepared to continue to have to pay the cost of a mortgage if your income drops due to unemployment, death, disability or retirement? *

• Yes
• No
• Limited

For the topics below, please indicate your level of understanding

4=I know a lot about that, 1=I know nothing about that

Mortgages in general

Geselecteerde waarde: 1

Annuity and linear mortgage

Geselecteerde waarde: 1

Risk of residual debt

Geselecteerde waarde: 1

Fixed Interest Period

Geselecteerde waarde: 1

Tax deductions

Geselecteerde waarde: 1

Employment Disability

Geselecteerde waarde: 1

Risk of double housing costs

Geselecteerde waarde: 1

Are you interested in making your home more sustainable? *

• Yes
• No

What is the main reason you are interested in sustainability? *

• I want lower monthly costs
• I want more comfort
• We want a higher selling price for the house
• For a better environment
• Irrelevant

How will you finance sustainability? *

• With a loan
• With my own (savings) money
• Not interested in making the house more sustainable

For the topics below, please indicate your level of understanding

4=I know a lot about that, 1=I know nothing about that

Sustainability in general

Geselecteerde waarde: 1

Energy saving measures

Geselecteerde waarde: 1

Savings

Geselecteerde waarde: 1

Financing options

Geselecteerde waarde: 1

What is your preference regarding responsible lending? *

• Borrowing as much as possible
• Not borrow more than is justified according to the GHF (Code of Conduct for Mortgage Financing)
• Loan based on National Mortgage Guarantee (NHG)
• I have an amount in mind for maximum net mortgage burden (after tax refund)
• Something else

What is your preference regarding the method of repayment? *

• Annuity repayment (increasing net charges)
• Linear repayment (decreasing net charges)
• Continue current mortgage form(s)
• Interest only
• Mixed composition of repayment types

Are you willing to take the risk of interest rate increases, resulting in a possible increase in monthly expenses? *

• Yes
• No
• Limited

If you can choose from the following options, how long do you wish to fix the mortgage rate? *

• I want a variable interest rate
• I want to fix the mortgage rate for 1 to 5 years
• I want to fix the mortgage rate for 6 to 10 years
• I want to fix the mortgage rate for 11 to 30 years

What is your preference regarding your mortgage tax deduction? *

• I want to make the best use of the tax deduction
• I want to co-finance a consumer expense
• I have no specific preferences
• Something else

What is your preference regarding contributing your savings to your mortgage? *

• I do not want to contribute my saving
• I want to use my savings for mortgage reduction
• I want to use my savings to pay double monthly expenses
• I want to use my savings to pay interest during construction
• I want to use my savings for renovations
• Something else

What is your preference regarding the lender of your mortgage? *

• I have no preference
• I have good experiences with a specific lender
• Something else

Are the following mortgage conditions acceptable to you?

Mandatory banking with lender resulting in interest rate discount: *

• Yes
• No

Possible penalty on redemption when moving house *

• Yes
• No

Foreign lender *

• Yes
• No

Explanation of answers above

Next

Death

When you die, your next of kin inherit your assets, but also your debts. In the case of a mortgage, they then inherit the house on the one hand and your remaining mortgage debt on the other.

What is your preference regarding the provision at death? *

• I want the full debt to be paid off
• I want my heirs to be able to sell the property with no remaining debt
• Nothing has to be repaid
• I do not have a partner and therefore do not want insurance or minimal insurance
• Because of my health, I am difficult/uninsurable
• I don't want to insure anything regarding death
• Something else

What do you want to make survivor benefits for? *

• Supplementing the survivor's pension
• One-time death benefit
• Funeral care
• Pay off (mortgage) debt
• Provision for the care of children
• I do not want to make any provision

For what period do you want to insure your death risk?

• Lifetime
• Temporary
• I do not want an insurance

For the topics below, please indicate your level of understanding

4=I know a lot about that, 1=I know nothing about that

Death Benefit Insurance

Geselecteerde waarde: 1

The survivor provision in your 'Pension plan through employer'

Geselecteerde waarde: 1

Nabestaanden- voorziening 'ANW' (General survivors law)

Geselecteerde waarde: 1

Survivor's provision 'Benefit in annuity or capital'

Geselecteerde waarde: 1

Explanation of answers above

Next

Employment Disability

When you become totally or partially disabled due to illness, the result in most cases is that your income drops, while your fixed expenses - including your mortgage - continue.

What is your preference regarding disability provision? *

• I would like an income supplement
• I want to continue to live in the property
• I am willing to sell the property if necessary
• I already have disability insurance
• Because of my health, I am difficult/uninsurable
• I don't want to insure anything
• Something else

hat (minimum) income level (relative to your current income)do you wish to receive in the event of (full) disability? *

• 90%
• 80%
• 70%
• A different percentage
• An amount per year
• Irrelevant

For how long is the income level desired in a situation of disability? *

• During at least 5 years
• During at least 10 years
• During at least 15 years
• During at least 20 years
• A different period
• Irrelevant

Depending on your retirement date, term of your mortgage, you run the risk of losing income due to disability. Do you want to insure this? *

• Completely
• Partially
• Very limited
• Irrelevant

Do you have alternative assets or income to absorb the risk of income loss? *

• Yes
• No

Some disability benefits have a waiting period until the start of benefits. Are you taking the risk of having to provide for your income in some other way during this waiting period? *

• Yes
• No
• Irrelevant

For the topics below, please indicate your level of understanding

4=I know a lot about that, 1=I know nothing about that

Employment Disability

Geselecteerde waarde: 1

Your income situation on disability

Geselecteerde waarde: 1

Disability insurance and benefit criteria.

Geselecteerde waarde: 1

Explanation of answers above

Next

Unemployment

When you lose your job, in most cases the result is that your income drops, while your fixed expenses - including your mortgage - continue.

What is your preference regarding unemployment provision? *

• I would like an income supplement
• I want to continue to live in the property
• I am willing to sell the property if necessary
• I already have unemployment insurance
• I don't want to insure anything
• Something else

What (minimum) income level do you wish to receive in the event of unemployment?

• 90%
• 80%
• 70%
• A different percentage
• An amount per year
• Irrelevant

Depending on your retirement date, term of your mortgage, you run the risk of losing income due to unemployment. Do you want to insure this? *

• Completely
• Partially
• Very limited
• Irrelevant

Do you have alternative assets or income to absorb the risk of income loss? *

• Yes
• No

For the topics below, please indicate your level of understanding

4=I know a lot about that, 1=I know nothing about that

Your income situation in the event of unemployment

Geselecteerde waarde: 1

Unemployment insurance and benefit criteria.

Geselecteerde waarde: 1

Explanation of answers above

Next

Employment Disability

When you reach state pension age, your income may change. This is because a pension is the set of benefits you receive after you stop working. You have a good pension if your future income matches your future expenses.

What is your preference regarding provision in retirement? *

• I want to take out a supplementary pension
• I want to continue to live in the property
• I am willing to sell the property if necessary
• I have a supplementary pension plan
• I don't want a supplementary pension
• Something else

What (minimum) income level do you wish to receive from your retirement date? *

• 90%
• 80%
• 70%
• A different percentage
• An amount per year
• Irrelevant

What do you want to make a pension provision for? *

• Income supplement from retirement date
• Being able to stop working earlier
• Something else
• Irrelevant

Do you desire a lifetime or temporary retirement plan? *

• Lifetime
• Temporary
• Both
• Irrelevant

Are you willing to accept that your retirement will be less than planned because fewer assets have been accumulated than expected? *

• Yes
• No
• Limited
• Irrelevant

For the topics below, please indicate your level of understanding

4=I know a lot about that, 1=I know nothing about that

Your income situation during retirement

Geselecteerde waarde: 1

Your 'Pension plan through employer'

Geselecteerde waarde: 1

Pension provision 'AOW'

Geselecteerde waarde: 1

Pension provision 'Payment in annuity or capital'

Geselecteerde waarde: 1

Explanation of answers above

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