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geld is een middel, geen doel

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Notaris: Banken star bij extra aflossen uit ruimere schenkingsregeling

Posted on August 19, 2014 at 2:25 AM

 

Vrijdag 15 augustus zaten Rob Dorscheidt en ik bij de notaris. Om de stichting Geldbelangen op te richten. Daar vertellen we later nog wel een keer meer over. Gelukkig hadden we een notaris die er nog wat aan wilde toevoegen. Niet even een snelle actie. En toen hij zag waar wij ons mee me bezig willen gaan houden kwam hij spontaan over de brug met een kwalificatie over banken, die ik hier niet eens durf te herhalen…

 

Waar ging het om. De huizenmarkt is de afgelopen tijd behoorlijk in elkaar gedonderd. Goed, er is weer een herstel aan de horizon, maar toch zitten veel mensen nog met een hypotheek die hoger is dan de waarde van het huis. Dat maakt het lastig verkopen. Zeker als je huis uit  moet (scheiding, werkloos worden, ziek zijn, verhuizen voor ander werk, you name it). Dan zit je met een niet gedekte restschuld. Dus een 'onderwaarde' aanhouden (schuld is hoger dan de waarde van de woning) is niet handig. Een lagere schuld ten opzichte van het onderpand is nog beter.

 

Mede om dat op te lossen heeft de overheid de schenkinsgvrijstelling voor mensen die dat gebruiken voor de eigen woning tijdelijk verruimd. Gebruikt de ontvanger het geld om extra af te lossen dan is er geen schenkbelasting verschuldigd.


Waar de notaris zich erg boos over maakte was het feit dat banken en andere geldgevers in dát geval op hun strepen blijven staan en gewoon boetes in rekening brengen. “De regering neemt zo’n maatregel niet voor niets” zei hij. “Er is een maatschappelijk probleem en daar draagt de overheid een stuk aan bij om dat op te lossen. Maar banken lijken niet te zien dat het wel aardig zou zijn als ook zij een steentje er aan bijdragen. Overigens: als mensen de ‘onderwaarde’ aflossen krijgen die banken ook een veel minder risicovolle hypotheekportefeuille. Maar toch, ze doen het niet, de …. (piep).”


Wie wat sites van banken bekijkt ziet dat zij (extra) aflossen daar wel noemen. Soms ook wel mondjesmaat inspelend op de regeling. Maar er voluit voor gaan?

Welke bank gaat er adverteren met: “De druk van de hypotheek op uw woonhuis wegnemen? Kom eens langs voor een gesprek”? En dat de klant dan vervolgens een voorstel krijgt om de hypotheek boetevrij fors te verlagen; tot bijvoorbeeld 70% of 75% van de executiewaarde. Daardoor kan ook nog eens de rente-opslag voor de tophypotheek verdwijnen.

Ik hoor de CEO en zijn collega’s al brommen: “Wat? Een deel van onze vaste inkomsten weg geven? En nog boetevrij ook? Wij zijn gekke henkie niet…” Nee klopt, maar wel een maatschappelijke instelling!

 

Ik wordt steeds benieuwder naar het maatschappelijk statuut van de NVB straks. Wordt het echt een statement waarop banken afgerekend kunnen worden? Of toch alleen maar windowdressing?

 

Categories: Consumentenbelangen, Banken

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